Yemen's Houthi rebels burnt a historic library in the north-western city of Hajjah on Wednesday, sparking outrage across the country.
The library is located in Al Sunnah Mosque in the city and is known to hold some of the country's oldest religious and cultural manuscripts and books.
The internationally recognised government condemned the move and called on the public to unite against the rebels.
“The burning of the library is part of the Houthis' plan to bulldoze Yemen's identity and cultural heritage to impose the teachings of its founder, Hussein Al Houthi,” Yemen’s Information Minister, Muamaar Al Iryani, said.
Mr Al Iryani called on the Yemeni public to confront the Houthis' “malicious scheme".
Local media reports said the rebels raided the mosque in the past few days, before entering the library and torching its contents.
Yemeni activists likened the event to the burning of "un-German" literature by the Nazi party in 1933 that foreshadowed the killing of about six million Jews during the Second World War.
“To the people of Yemen, when will you wake up from your negligence?” said Noora Al Jawri, a Yemeni human rights activist, on Twitter. “Our homes and mosques are destroyed. Our history is violated. Our books are looted.”
Five years of civil war have taken a heavy toll on Yemen's heritage, with historic sites such as Sanaa's Old City, the Great Dam of Marib, the archaeological city of Baraqish and the ancient city of Zabid under immense threat.
In early 2019, the Houthis were held responsible for the looting of Zabid's historic library.
According to the Islamic Educational, Scientific and Cultural Organisation, the rebels stole priceless manuscripts, books and artefacts from the library, an act rightly condemned as a crime against Yemeni and global civilisation.
At the time, Isesco director general Abdulaziz bin Othaman Al Twajairi said the pillaging of such heritage was a criminal offence that was a betrayal of the Yemeni people and a breach of international agreements.
Mr Al Twajiri called on the UN and its cultural agency Unesco to ensure that the rebels returned the items they had stolen from the library. He cited the Hague Convention for the Protection of Cultural Property in the Event of Armed Conflict that prevents the theft of such historic items.
Zabid was the capital of the country until the 15th century and a Unesco historic site since 1993.
The city is in Hodeidah province, the site of the battle between the Arab Coalition and the rebels for control of the Red Sea port city vital for the delivery of humanitarian aid to the Yemeni population.
It is home to the world’s fifth oldest mosque.
The Yemeni government accuses the Houthi rebels of smuggling out stolen or looted antiques for sale on the black market overseas.
The conflict has triggered what the United Nations described as the world's worst humanitarian crisis, with tens of thousands killed and the majority of the population reliant on aid for survival.
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Key changes
Commission caps
For life insurance products with a savings component, Peter Hodgins of Clyde & Co said different caps apply to the saving and protection elements:
• For the saving component, a cap of 4.5 per cent of the annualised premium per year (which may not exceed 90 per cent of the annualised premium over the policy term).
• On the protection component, there is a cap of 10 per cent of the annualised premium per year (which may not exceed 160 per cent of the annualised premium over the policy term).
• Indemnity commission, the amount of commission that can be advanced to a product salesperson, can be 50 per cent of the annualised premium for the first year or 50 per cent of the total commissions on the policy calculated.
• The remaining commission after deduction of the indemnity commission is paid equally over the premium payment term.
• For pure protection products, which only offer a life insurance component, the maximum commission will be 10 per cent of the annualised premium multiplied by the length of the policy in years.
Disclosure
Customers must now be provided with a full illustration of the product they are buying to ensure they understand the potential returns on savings products as well as the effects of any charges. There is also a “free-look” period of 30 days, where insurers must provide a full refund if the buyer wishes to cancel the policy.
“The illustration should provide for at least two scenarios to illustrate the performance of the product,” said Mr Hodgins. “All illustrations are required to be signed by the customer.”
Another illustration must outline surrender charges to ensure they understand the costs of exiting a fixed-term product early.
Illustrations must also be kept updatedand insurers must provide information on the top five investment funds available annually, including at least five years' performance data.
“This may be segregated based on the risk appetite of the customer (in which case, the top five funds for each segment must be provided),” said Mr Hodgins.
Product providers must also disclose the ratio of protection benefit to savings benefits. If a protection benefit ratio is less than 10 per cent "the product must carry a warning stating that it has limited or no protection benefit" Mr Hodgins added.