澄保筆記
澄保筆記
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Age bands

Age-band decision notes

Ages 0–5 / 6–24 / 25–54 / 55–64 / 65+: duty and cash-flow first, then scenario pages. No product names, no yield demos.

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Language:繁體简体EN/scenarios/age-bands /zh-hans/scenarios/age-bands /en/scenarios/age-bands

Age bands are not “must-buy checklists”—they sequence duty events. Pick a band, then open the matching /scenarios page and write one purpose sentence.

All scenarios → · 50-Q encyclopedia →

Ages 0–5

Early childhood: medical & parental duties before education savings

Parent leave and out-of-pocket care hurt most—map parental term life, medical and CI before education accumulation.

Priority

  • Parental income stop: term-life sum vs mortgage + years of costs
  • Child medical/VHIS and CI cash buffer
  • Emergency cash covering caregiver income loss

Don't lead with

  • Locking long education savings before protection is closed
  • Covering only the child while parents stay blank

10 interview questions

  1. 1. If the main earner stops for 12 months, what funds the household?
  2. 2. Which hospitals and deductibles do group/Mainland medical cover for the child?
  3. 3. Is CI cash meant to replace whose income—or bills?
  4. 4. Is education money truly unused for 10+ years?
  5. 5. Are beneficiaries / contingent owners clear?
  6. 6. Can premium share of disposable income pass a stop-pay stress test?
  7. 7. Does disclosure include prenatal / congenital-related records?
  8. 8. Do policy currency and future education spend location match?
  9. 9. Can the intermediary show an IA licence and let you take papers home?
  10. 10. Are cooling-off and grace-period starts written down?
Young-family breadwinner →Cross-border family →

Ages 6–24

School & youth: accident + first protection; savings can wait

High activity risk, early income—accident, medical and first CI before delayed savings.

Priority

  • Accident and accident medical
  • Personal medical top-up (esp. after group cover ends)
  • First CI / modest term life (parents as beneficiaries)

Don't lead with

  • Locking living costs into long savings illustrations
  • Buying ILAS without understanding fee structure

Branch: graduation / first job

Bridge personal medical/accident before group cover starts; parents as interim beneficiaries; stress-test premiums vs starting pay.

Branch: further study

Keep protection low-cost; do not lock tuition reserves into long contracts.

Branch: planned emigration

Write spend location and tax-residency assumptions before currency; see cross-border scenario.

10 interview questions

  1. 1. Will the first job include group cover—and what if it stops?
  2. 2. Is the biggest risk accident—or a CI cash gap?
  3. 3. Will premiums crowd out study or rent cash-flow?
  4. 4. If emigrating within years, rewrite currency and jurisdiction?
  5. 5. Should beneficiaries stay parents—and when switch to spouse?
  6. 6. Will occupation class affect accident cover / underwriting?
  7. 7. Are you treating the first policy as an investment?
  8. 8. Can you take documents home to read?
  9. 9. Have you checked the IA licence?
  10. 10. Will savings wait until emergency cash and protection are ready?
Single / DINKs →Young family →

Ages 25–54

Midlife: mortgage, single/dual income & cross-border duty map

Peak-duty decade—branch by mortgage, single/dual income, cross-border couples; size cover with formulas, not illustrations.

Priority

  • Income stop: term life + CI cash
  • Medical reimbursement and deductibles
  • Long accumulation / retirement only after protection is stable

Don't lead with

  • High-premium savings without a stop-pay test
  • Chasing total-benefit curves while ignoring mortgage horizon

With mortgage

Term length at least matches remaining mortgage years; sum approx. includes outstanding principal.

Single-income household

Earner’s cover is top priority; write spouse caregiving cash into CI purpose.

Dual income

Size each person’s cover for “if I stop”—do not insure only one.

Cross-border couple

Put jurisdiction, document language, claims geography and tax residency on the interview list.

10 interview questions

  1. 1. Mortgage + education + 5–10y costs − group cover = ?
  2. 2. Single or dual income—and the gap if one stops?
  3. 3. Cross-border couple: policy currency vs spend location?
  4. 4. Does CI sum align with ~1–5 years of household income?
  5. 5. If a business owner, are personal vs company risks separated?
  6. 6. With Mainland CI already, what incremental job does HK CI do?
  7. 7. Are premiums crowding emergency cash?
  8. 8. Do beneficiary shares match the family agreement?
  9. 9. Is there a written old-vs-new sheet before replacement?
  10. 10. What is the year-3 emergency exit?
Young-family breadwinner →Mid-life HNW →Cross-border family →

Ages 55–64

Pre-retirement: medical, care questions & succession draft

Debts often fall while longevity and medical rise—do not lock pension cash into long savings.

Priority

  • Medical renewability and deductibles into retirement
  • Long-term care / disability cash-flow questions first
  • Beneficiaries, contingent owners and an asset-list draft

Don't lead with

  • Funding long premium schedules with near-retirement liquidity
  • Ignoring medical re-pricing risk

10 interview questions

  1. 1. What funds premiums after retirement?
  2. 2. Is medical cover guaranteed renewable—and how can premiums rise?
  3. 3. If long-term care is needed, who pays and for how long?
  4. 4. Do annuity/savings withdrawal ages match spending?
  5. 5. How much income is guaranteed vs non-guaranteed?
  6. 6. Do children know where policies sit and who benefits?
  7. 7. Are “legacy” and “spend myself” ledgers separated?
  8. 8. Have you quantified surrender loss on old policies?
  9. 9. Will tax residency change soon?
  10. 10. If urged to replace, is there a written FNA?
Retiree planning →Mid-life HNW →Existing policy concerns →

Age 65+

Age 65+: preservation, medical & family proxy compliance

Without wages, favour preservation and medical; avoid high-risk ILAS; family proxies need proper authority.

Priority

  • Adequate, renewable medical arrangements
  • Named beneficiaries and findable documents
  • Low-volatility, understandable cash-flow tools if needed

Don't lead with

  • Buying ILAS without understanding risk
  • Letting children “sign on your behalf” off-process

Family-proxy compliance list

Policyowner still signs in person unless the insurer accepts a formal authority; keep licence numbers and entry/authority papers; premiums only to institutional accounts; refuse remote “family signs for all.”

10 interview questions

  1. 1. Who pays medical deductibles after retirement?
  2. 2. Is there still a servicing contact on the policy?
  3. 3. Are beneficiaries up to date?
  4. 4. What authority papers does a child proxy need?
  5. 5. Is emergency money locked behind heavy surrender penalties?
  6. 6. Can family submit claims by post / online?
  7. 7. Have you calculated guaranteed cash value on old policies?
  8. 8. Are tax and address updates done?
  9. 9. Anyone pitching “guaranteed high yield”? = red flag
  10. 10. Can today’s decision wait for co-reading documents at home?
Retiree planning →Existing policy concerns →

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