Who can manage my policy if I lose mental capacity?

The Department of Justice explains that an enduring power of attorney allows a capable person to appoint someone to handle financial affairs if capacity is later lost. Unlike an ordinary power of attorney, it can continue through mental incapacity. For a living policyholder, ask a solicitor whether the proposed authority covers the policy administration you need; this guide does not decide the scope of your document. [C1, C2]

Arrange legal advice while you still have the capacity required to make it. The government reply confirms that execution involves a registered medical practitioner and a solicitor, including capacity certification. Do not assume an informal family instruction is a substitute. Ask your solicitor to check current legal formalities, the proposed wording and any limits on the attorney’s financial powers. [C1, C2]

The government explains that an attorney who has reason to believe the donor is or is becoming mentally incapable must apply for registration with the High Court Registrar as soon as practicable. Registration and the document’s scope need legal attention; possession of a signed copy should not be treated as proof that every later step is complete. Ask a solicitor about your particular circumstances. [C2]

Do not infer that from general EPA guidance. Have a solicitor review the powers granted, then ask the insurer what evidence it requires and which policy instructions it can process under that authority. The IA explains that policy rights and duties depend on the contract. The cited public guidance does not provide a universal insurer checklist or promise acceptance of every transaction. [C1, C2, C3]

Can I appoint someone before losing capacity?

That is the planning purpose described by the Department of Justice. [C1]

Does an ordinary power of attorney work the same way?

No. DOJ explains that an ordinary power ceases on mental incapacity, while an EPA can continue. [C1]

Is the EPA concerned with financial affairs?

Yes. The government describes authority over property and financial affairs. [C2]

Can I simply sign it without professional involvement?

The government describes execution involving a registered doctor and a solicitor. [C2]

Is registration relevant when capacity deteriorates?

Yes. The attorney must apply as soon as practicable when there is reason to believe incapacity is arising or present. [C2]

Is there one published insurer acceptance checklist here?

No. Ask the insurer about the contract and the solicitor about the authority’s scope. [C1, C3]

Can this guide establish authority for my policy?

No. Obtain individual legal advice and the insurer’s requirements. [C1, C3]

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We provide information and referrals to a licensed Hong Kong broker; regulated advice and arrangements belong with that broker. Mainland visitors must sign in Hong Kong. Do not send identity, tax or medical documents through the general enquiry form. [C3]

General information, not advice.