What this site is
澄保筆記 (Chengbao Notes) is an educational site for HNW and cross-border readers: glossary, FAQ, needs check, buy guide, public insurer archives, planning layers and rational compare frames. Traditional Chinese is primary; Simplified/English modules expand over time—verify official sources and dates when you cite.
What it is not
- Not an official channel of any insurer or sales team; does not speak for one firm.
- Not personalised insurance, investment, tax or legal advice.
- No guaranteed returns, claim outcomes or income promises; no invented stats; no rankings or hard sells of named products.
- Default tone is educational, not licensed solicitation; product explanation and suitability require licensed intermediaries.
Editorial & service principles
Principles below follow publicly visible professional-service culture, rewritten as editorial standards—not recruiting copy, not a verbatim “official values” paste.
- 诚实披露 — 标明教育边界与来源；不编造统计，不口头保证回报或理赔。
- 客户利益优先 — 先需要、后产品；问题清单服务读者决策，不服务催签。
- 专业持续学习 — 内容随公开框架更新；作者路径强调持证备考与进修，而非职级炫耀。
- 长期视野 — 保护 → 增长 → 流动性 → 传承；用人生阶段思考，而非短期演示曲线。
Author path
Author Leon Ho aligns with Utopia’s professional-service values and is on a path toward AIA-related professional service work. This site remains an independent education knowledge base—not an official Utopia or AIA site. Educational modules may mirror public AIA HK planning/category taxonomy (original rewrite; see sources), without being an official channel. No unverified ranks, commissions or sales titles.