Compliance
Hard baselines before and after meeting an intermediary: in-person signing, payment path, licences, underground red flags, cooling-off and sales-tactic checks. No scores or products; FX/CRS are official pointers only.
Hard module linked from the needs checklist result, FAQ, buy guide and footer. Educational only. Needs checklist
Public cross-border education repeatedly stresses that sales and formal signing belong in Hong Kong. If you cannot travel, pause—do not hunt for a remote shortcut.
First and renewal premiums should reach the insurer or its designated collection path—not private accounts, opaque third parties, or “pay me and I’ll pass it on.”
Verify intermediary / firm licences yourself on the Insurance Authority public register—verbal claims, name cards or chat screenshots are not enough.
Remote signing, proxy signing and unlicensed Mainland solicitation are the risk cluster most often named in public discussion. Stop if you see them.
Public education often cites ~21 calendar days from the earlier of policy delivery or cooling-off notice. The helper below is approximate only—written cancel and refunds follow insurer notice / policy, not a “can I cancel” verdict.
Enter policy delivery date and cooling-off notice date. The helper uses whichever is earlier (common public education framing), then shows +21 calendar days and days left. Not a promise—insurer notice and policy control.
Whichever earlier rule: start = earlier of delivery vs notice (when both filled). One date alone still works.
Aligned with common public consumer-education themes: social proof, gift reciprocity and scarcity timers—slow down, demand writing and quiet reading time.
We will not conclude whether you “can convert FX” or “must report.” Cross-border funds and tax-information exchange follow public regulator / tax-authority materials—read them and consult licensed professionals.
P0 only reserves this slot: post-decision tools for renewals, claims, beneficiaries and annual review are P1. For now, read buy-guide “after you sign” and cooling-off questions.
Chengbao Notes｜Compliance self-check summary (educational) 1. In-person HK signing; refuse remote / proxy 2. Premiums to insurer-designated accounts 3. Verify licences on IA: https://www.ia.org.hk/ 4. Ask cooling-off start date and written cancel path 5. Non-guaranteed dividends ≠ guaranteed returns; past fulfilment ≠ future 6. FX / CRS: official sources only—no can/cannot conclusions here Disclaimer: not an application recommendation or suitability assessment.