01 · General education, not advice
This website provides general education and comparison information. It is not insurance, financial, investment, legal, tax or immigration advice and does not consider any person's objectives, financial situation or needs.
02 · Non-guaranteed items
Bonuses, fulfilment ratios, dividends, fund performance, non-guaranteed cash values and other non-guaranteed items may be reviewed or changed by insurers; interest rates, exchange rates, fees and underwriting requirements may change at any time. Illustrations and past performance are neither guarantees nor forecasts.
03 · Long-term commitment and surrender
Insurance is usually a long-term commitment. Early surrender can be costly and surrender value may be less than total premiums paid; policy loans, withdrawals and charges can reduce cash value or cause a policy to lapse. Premium financing carries interest-rate and currency risk, and banks may call for additional collateral.
04 · No sales, no referrals
This site sells no insurance or financial product, accepts no applications and quotes no individual product. Applications, quotations and policy servicing should be sought from Hong Kong insurers or licensed insurance intermediaries, verified through the Insurance Authority's register of licensed intermediaries.
05 · Mainland and cross-border readers
Mainland Chinese residents must sign Hong Kong policies in person in Hong Kong and complete the Important Facts Statement for Mainland policyholders. Cross-border funds, foreign-exchange, tax and reporting obligations depend on personal circumstances; obtain independent advice in your own jurisdiction. This site carries on no insurance sales or promotion in Mainland China.
06 · Regulatory review
Content has not been reviewed, approved or endorsed by the Insurance Authority (IA), the Hong Kong Monetary Authority (HKMA) or the Securities and Futures Commission (SFC). Guidelines and circulars should be read in their current official versions.
07 · Trademarks and third-party names
Insurers, banks, indices and product names mentioned are trademarks of their respective owners, used for identification and comparison only; no partnership, authorisation or endorsement is implied.
08 · Not legal advice
Content is a general digest of Hong Kong legislation and official procedure. It is not legal advice and does not address anyone's particular circumstances. Statutory wording is as in the current e-Legislation text; fees, time limits and forms are as published on the relevant court or department website. Whether a will, enduring power of attorney, advance medical directive or cross-border arrangement is valid or suitable must be assessed case by case by a Hong Kong solicitor and professionals in the relevant jurisdictions.
09 · Policies and beneficiaries
Descriptions of beneficiary nominations, change of life insured, policy splitting and similar features come from insurers' public materials and general market practice; terms differ between insurers and the policy document and the insurer's written confirmation prevail. The site compares and recommends no insurance product and promises no tax or legal outcome.
10 · Mainland and cross-border readers
Mainland residents must sign Hong Kong policies in person in Hong Kong and complete the Important Facts Statement for Mainland Policyholders; Mainland assets pass under Mainland law and notarial procedure; cross-border funds, foreign-exchange, tax and reporting obligations depend on personal circumstances, so obtain advice in your own jurisdiction. This site carries on no sales or promotion in Mainland China.