Relatively lower premium

  • Well established and long development history of insurance
  • Multinational corporates with healthy financial status
  • Rapid research and development to enhance product quality
  • Highly competitive pricing strategy

Estate Planning

  • No estate duty since 2006
  • Insurance benefit is exempted from estate duty even for non-Hong Kong residents
  • Fast claim process

Monitored by Office of the Commissioner of Insurance

  • Independent party without influence from government
  • Handling complaints from all insured including non-Hong Kong residents
  • Strict obligation to enforce the contract by law

High degree of diversity and freedom

  • Open to non-Hong Kong residents
  • Large variety of products to suit each individual’s need
  • Wide coverage
  • Keen competitiveness to amplified expected return