Funnel: glossary → checklist → buy guide → FAQ. Pick a category direction, not a ranked product. Glossary · Buy guide · FAQ
Pick your situation(s) Select one or more situations to generate a takeaway question list. No scores. No product recommendations.
Mainland HNW / cross-border planning Hong Kong local family Business owner / shareholder Have group / Mainland cover, unclear gaps Rushed to sign / can’t follow / fear of lapse
Select at least one situation.
Each block: what you may be feeling → three questions → a myth to puncture → next links.
Mainland HNW / cross-border planning FX, identity disclosure, jurisdiction—and fear of a savings pitch—pile up together.
You may have been invited for tea with an illustration already on the table—before anyone asked what currency your household balance sheet uses.
You worry about incomplete disclosure and unclear documents, yet hesitate to ask more for fear of seeming distrustful.
What keeps you up is rarely “which brand”—it is whether you can take documents home and reverse course in the cooling-off window.
Answer these first Is this policy for a protection gap, liquidity, or legacy—in one sentence? Do policy, premium and household cash-flow currencies match? Who explains FX risk if not? Have important facts / disclosure lists been provided in writing? Were you asked to sign first and supplement later? Myth: cross-border planning means buying savings/dividends first. Comparing yield before purpose is usually the costly path.
Hong Kong local family Mortgage, childcare and parents’ medical costs stack up; group cover feels uncertain.
The mortgage already owns your cash flow, yet you are asked about another savings plan before anyone asks about three months of unemployment.
Kids’ visits, parents’ check-ups, your overtime—protection talks always land on the tiredest evenings.
Answer these first If income stops, how many months of buffer do mortgage/dependants need? Does current group medical survive job change? Do deductibles and room class match your choices? Do parents need indemnity medical, or cash (CI/life) as backup? Myth: one “all-in-one savings” plan fixes mortgage, medical and education. Mixed purposes usually mean compromised terms.
Business owner / shareholder Company risk and personal cover blur; key-person arrangements stay vague.
You habitually run everything through the company—yet few ask who the policy owner and beneficiary are, and whose pocket receives a claim.
If a key person is lost, business continuity and family living costs are different problems.
Answer these first Is this personal cover, shareholder planning, or employee benefit? Do owner and premium payer match? If the company owns the policy, have tax/accounting effects been explained by a professional? (This site gives no tax advice.) Between personal life/CI and group cover—any overlap or gaps? Myth: company-paid means company-owned. Wrong owner/beneficiary hurts more than picking the “wrong” brand.
Have group / Mainland cover, unclear gaps You are not bare—you just cannot tell what is uncovered versus duplicated.
A Mainland medical, company group cover, maybe a family-bought savings plan—yet no one mapped them on a timeline.
You fear paying twice—and fear both policies saying “not covered” when you are actually admitted.
Answer these first Have definitions, waiting periods, exclusions and geography been compared across policies? How does group cover change on resignation, job switch or retirement? Does Mainland cover work for HK care? How does HK cover reimburse care in Mainland? Myth: group medical means no personal medical. Group cover often ends with employment; personal renewal rules are a separate line.
Rushed to sign / can’t follow / fear of lapse Process friction: pressure selling, jargon walls, long premium anxiety.
They say “deadline today” and “last slots”—you have not finished the exclusions page.
Illustration numbers look polished, yet you cannot tell which line is guaranteed versus scenario.
What you fear most: income tightens, premiums lapse, surrender value shocks you.
Answer these first Can you take documents tonight and decide after 24–48 hours of quiet reading? Can guaranteed benefits, non-guaranteed benefits, fees and surrender values be explained separately in writing? If premiums stop or go paid-up, what happens to the policy? Myth: illustration figures equal guaranteed returns. Public education requires separating guaranteed vs non-guaranteed; scenarios are not promises.
