insurancetrust.hk — Insurance trusts in Hong Kong

insurancetrust.hk is an independently run Hong Kong insurance and trust information site edited by Insurance Trust Guide Editorial. It covers one subject: how a life policy and a trust fit together in Hong Kong, which statutes and regulatory documents govern the arrangement, and when it is not worth doing. The scope includes the trust-owned policy and the standby trust funded by claim proceeds, the Trustee Ordinance (Cap. 29) and the Trust Law (Amendment) Ordinance 2013, the perpetuity rules in the Perpetuities and Accumulations Ordinance (Cap. 257), the statutory trust under section 13 of the Married Persons Status Ordinance (Cap. 182), trustee and beneficiary arrangements, how a trust differs from a will or a beneficiary nomination, set-up steps and fee components, the TCSP licence under the Anti-Money Laundering and Counter-Terrorist Financing Ordinance (Cap. 615) and trust companies registered under Part VIII of the Trustee Ordinance, the HKMA Code of Practice for Trust Business, and the signing, funding, CRS and tax limits that affect Mainland policy owners and beneficiaries.

The site does not cover general estate-planning law in full (wills, probate and intestacy appear in one section of the comparison page), family offices and holding structures, product recommendations from any insurer or trust company, illustrated-return comparisons, currency-conversion routes or tax-planning schemes. Sources are limited to publicly verifiable documents: Hong Kong e-Legislation, Legislative Council ordinance texts and bill briefs, Companies Registry and TCSP Registry pamphlets, Inland Revenue Department, Judiciary, HKMA and Insurance Authority pages and circulars, Hong Kong Trustees' Association guides, Investor and Financial Education Council pages, public articles by insurers and law firms, and press reports marked as secondary. Every page carries an update date and sources; figures carry currency, date and origin, and where a figure cannot be verified the page describes the mechanism and defers to the latest official document.

The site is not an insurer, licensed insurance intermediary, trust company or law firm, sells nothing, accepts no insurance or trust applications, makes no referrals and carries on no sales activity in Mainland China. Corrections and additional material can be sent through the site's message form.

Operator

Insurance Trust Guide Editorial — Insurance Trust Guide Editorial is an independent Hong Kong insurance and trust information desk. It documents how a life policy and a trust fit together in Hong Kong: trust-owned policies and standby trusts funded by claim proceeds, the Trustee Ordinance and the 2013 reform, trustee and beneficiary arrangements, how a trust differs from a will or a beneficiary nomination, set-up steps and costs, licensed trust companies and the TCSP licence, and the limits for cross-border families. Every page cites dated, publicly verifiable sources; the desk sells nothing, accepts no applications and makes no referrals.

This site is run by Insurance Trust Guide Editorial, an independent insurance information site providing general education and comparison. It is not an insurer, licensed insurance intermediary or bank, sells no insurance product and accepts no application. Content has not been reviewed, approved or endorsed by the Insurance Authority (IA). For applications, quotations and policy servicing, consult a Hong Kong insurer or licensed insurance intermediary.

Regulators and industry bodies cited on this site

Our material relies on regulations, guidelines and statistics published by the bodies below, cited page by page with dates. This site has no affiliation with, authorisation from, or endorsement by any of them.

Editorial principles

  1. We compile only public material from insurers, banks, regulators and official statistics, citing source and date per item; where the source is silent, we do not infer.
  2. We separate guaranteed from non-guaranteed, fact from opinion, regulation from practice; illustrations, back-tests and past performance do not indicate future results.
  3. We do not recommend products or promise returns, approvals or tax outcomes; personalised advice is the responsibility of licensed or exempt institutions and their appointed representatives.
  4. Cross-border content states the applicable jurisdiction; readers should obtain advice in their own jurisdiction.
  5. If you spot an error or outdated figure, tell us via the contact page; corrections are dated.

Editorial policy

Every article follows one process: define a single question, consult public documents from regulators, insurers and official statistics and record each source with its date, then have a second editor cross-check figures, terminology and the version of the rules cited. Pages are dated when updated. Guaranteed and non-guaranteed items, and facts and opinions, are labelled separately; nothing is inferred where sources are silent.