Planning
Financial planning & HK insurance
Map household risks and duties first, then place policies across protection, growth, liquidity or succession—not by reversing from the highest illustration.
Three completeness questions
Mapped from public “depth / breadth / family cover” education ideas (original wording). If unclear, start with the needs check.
Depth: is the sum enough?
Would cash cover debts, income replacement and fixed costs—or is “having a policy” enough?
Breadth: are categories covered?
Among life, medical, CI, savings and accident—what is blank or thin?
Family: who is covered?
Do spouse, children, parents or key partners each have cover—or is risk stacked on one policy?
Four wealth layers
Protect → grow → liquidity → succession. Pin a layer (keyboard OK), then open its planning topic.
Educational frame only—not product advice; tools differ by layer and compliance.
Goals
Family duty · key person · lifestyle
Planning modules
Modules cover needs analysis, five common categories, plus cross-border, business-owner and succession. High-traffic medical / CI / cross-border details are trilingual.
- HK localCross-border
Needs analysis & completeness
Start with depth, breadth and family cover before any product discussion.
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- HK localCross-border
Medical & VHIS
Ward class, geography, renewability and underwriting matter more than brand stories.
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- HK localCross-border
Critical illness
Living-benefit cash: income gap vs medical bills—waiting periods, shared sums, acceleration effects.
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- HK localCross-border
Life cover (term & whole life)
Death-benefit responsibility: term for leverage/horizon; whole life for long-horizon mixes.
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- HK localCross-border
Accident & disability cashflow
Alive but income stopped—divide labour with life/CI/medical; check group leave gaps.
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- HK localCross-border
Savings & long-term accumulation
Separate guaranteed vs non-guaranteed benefits; costs, surrender and withdrawals—no yield figures here.
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- HK localCross-border
Retirement income & deferred annuity
When payouts start, how long, how much is guaranteed—and how MPF fits.
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- HK localCross-border
Succession & policy roles
Beneficiaries, ownership and trust concepts—tax/structure need licensed advisers by jurisdiction.
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- Cross-border
Cross-border framework
Currency, compliant paths, governing law and disclosure—questions, not how-to ops.
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- HK localCross-border
Business owners & key persons
Key-person, debt guarantees and employee benefits—keep group vs personal cover distinct.
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