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 · Not immigration or legal advice
This site summarises the public rules of the Immigration Department and related bodies. Approval is at the discretion of the Director of Immigration, and meeting the criteria does not guarantee approval; eligibility criteria, quotas, limits of stay and fees may change without notice. For any application, extension or permanent residence matter rely on the current Immigration Department documents and, where needed, qualified professionals.
09 · Tax and cross-border matters
How Hong Kong salaries tax, Mainland individual income tax and the Mainland–Hong Kong Arrangement apply depends on days of residence, source of income, the employer's location and other facts. This site describes rules and mechanisms only, makes no case-specific determination and promises no tax outcome. Obtain advice in your own jurisdiction for filing, tax credits and CRS self-certification.
10 · Insurance and healthcare
This site sells no insurance, accepts no applications and makes no referrals. Insurers' underwriting, residence and signing requirements are those in each company's current documents; Mainland residents buying Hong Kong policies must sign in Hong Kong and complete the Important Facts Statement for Mainland Policyholders. Public hospital fees are those most recently published by the Hospital Authority.