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 · Tax figures and years of assessment
Allowances, deduction ceilings and rates cited on this site follow the years of assessment published by the IRD; 2026/27 changes come from the 2026-27 Budget and are subject to the ordinance passed by the Legislative Council and the IRD's latest documents. Actual deductions and tax depend on personal income, eligibility and the IRD's assessment; the site guarantees no tax outcome.
09 · Rules change
MPF contribution thresholds, the eMPF and full-portability timetable, mortgage LTV and DSR limits, and the certification conditions for VHIS and annuity products may all be revised. Each figure carries its effective date; check the current versions published by the MPFA, HKMA, Insurance Authority and IRD.
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, tax residency and reporting obligations depend on personal circumstances; obtain advice in your own jurisdiction. This site carries on no insurance, fund or loan sales or promotion in Mainland China.