Planning layers
Protect · Liquidity
Public education expands life cover beyond “pays on death” into a needs list: dependants, final expenses, education, retirement, mortgage, emergency cash and disability income. Chengbao rewrites that as depth / breadth / family questions—not a product catalogue.
Two hygiene questions before product talk: what should cover do for you, and what premium can you afford and willingly pay? Sum assured is usually derived after fact-find. If essential finances are withheld, no product should be recommended—that is a suitability boundary, not a sales tactic.
Across life, medical, CI, savings and accident, find blanks and thin spots before illustration curves. Whether savings counts as a “gap” depends on whether cash-on-shock holes remain. See /tools and /needs.
Key questions to ask
- Among five common categories, which are blank or thin?
- Does the sum align with debts, income-replacement years and dependants—not a market-average slogan?
- Do spouse, children and parents each have cover—or is risk stacked on one policy?
- How are group and Mainland policies counted to avoid overlap or vacuum?
Common tool types (catalogue-level)
- Needs-analysis question list
- Coverage-gap map
- Household cover table
Compliance & boundaries
- Site tools organise questions only—no automated sum calculators or personal proposals. Formal FNA is for licensed intermediaries.
- Insurer assessment tools are third-party sites listed under /tools; this site does not submit applications.