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 · No promised tax outcome
Concession conditions, thresholds and rates described on this site come from public documents of the Inland Revenue Department and the Legislative Council; eligibility is decided by the Department on the facts of each case, and the site promises no tax outcome. Advance rulings are available under Departmental Interpretation and Practice Notes No. 31, with fees and procedures as set out in the Department's current documents.
09 · Versions and the amendment bill
Content has not been reviewed, approved or endorsed by the Inland Revenue Department, the SFC, the Insurance Authority or any other regulator. As at this site's update date (4 November 2026) no official announcement of the third reading of the amendment bill gazetted in June 2026 had been found; readers should check the latest Legislative Council and Inland Revenue Department publications.
10 · Mainland and cross-border readers
Mainland residents must sign Hong Kong insurance policies in person in Hong Kong and complete the Important Facts Statement for Mainland Policyholders. Source of funds, cross-border fund and foreign-exchange rules, tax residence and reporting obligations for setting up an office, a trust or applying under an entrant scheme depend on personal circumstances; obtain advice in your own jurisdiction. This site carries on no sales or promotion in Mainland China.