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 · Product terms are those in the policy documents
Currency switch, policy split and change of life insured terms cited on this site come from insurers' published brochures or web pages and carry version dates; waiting periods, frequencies, application windows, age limits and fees may be revised at any time, and the actual terms are those in the insurer's policy provisions, policy documents and current administrative rules. Citation is not a recommendation or comparison.
09 · Illustrations, caps and exchange rates
The illustration caps mentioned on this site (6.0% HKD, 6.5% non-HKD) are Insurance Authority limits on point-of-sale illustrations, not forecasts and not actual policy returns. The site quotes no insurer fulfilment ratios. Exchange and interest rate figures carry dates and sources and are used only to explain mechanisms. Content has not been reviewed, approved or endorsed by the Insurance Authority or the Hong Kong Monetary Authority.
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. Source of premium, cross-border fund and foreign-exchange rules and tax reporting obligations depend on personal circumstances; obtain advice in your own jurisdiction. This site carries on no insurance sales or promotion in Mainland China.