Scenarios
Decide by scenario
Choose by situation, not by product. Align family duties and cash flow first, then category priority and interview questions—no product names, yields, or rankings.
/needs names the friction; /scenarios answers “what should someone in my situation do.” Same structure every page: capsule → risks → priority → self-check → interview → when not to buy → compliance → FAQ.
Needs / friction entry → · Interview prep → · Age-band notes →
01
Young family breadwinner: protect duties first
Mortgage, kids, one main paycheck: ask who still needs income and who pays the loan after a crisis—then prioritize medical / CI / life. Savings usually wait behind protection and emergency cash.
Open scenario →02
Mid-life HNW: purpose layers and liquidity
Assets may be large while duties, tax residency and currency grow complex: write whether this money is for protection, liquidity or legacy before product shape—never let yield replace purpose.
Open scenario →03
Retiree / pre-retiree: cash flow over lock-up
Income becomes drawdown: prioritise medical and understandable cash arrangements; be wary of long premium terms with low early cash value; stop at any “guaranteed retirement” pitch.
Open scenario →04
Single / DINK: flexibility first
Fewer dependants and more flexible cash flow: medical and right-sized income protection first; be cautious with large long lock-ups; keep room to adjust as life stages change.
Open scenario →05
Cross-border family: jurisdiction, currency, signing
Life and cover on two sides: align jurisdiction, policy currency, disclosure and in-person HK signing first; underground policies and private collection are hard stops.
Open scenario →06
Existing HK policy concerns: questions before adding
Already hold HK cover but feel uneasy: verify documents, licence, cooling-off/surrender cash value and whether purpose still holds; beware “old policy bad—switch now” scripts.
Open scenario →