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 · Policy and trust are two documents
Trust terms described on this site (trustee powers, remuneration, exemption clauses, distribution conditions) are general mechanisms taken from statutes and public documents and are not a template for any deed; actual rights and duties are those in the trust deed, letter of wishes and trustee service agreement. Policy terms are those in the insurer's policy document, and the insurer is not a party to the deed.
09 · Legal and tax advice
Content has not been reviewed, approved or endorsed by the Insurance Authority, the Companies Registry, the HKMA or the Inland Revenue Department and is not legal, tax or financial advice. Whether a trust is valid, achieves its protection or succession purpose, or how it is characterised and taxed outside Hong Kong depends on the facts and on the law of each jurisdiction at the time; obtain advice from a Hong Kong solicitor and from professionals in your own jurisdiction before signing anything.
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 funds and foreign-exchange rules, CRS reporting and tax filing obligations depend on personal circumstances; obtain advice in your own jurisdiction. This site carries on no insurance or trust sales or promotion in Mainland China.