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港險通Hong Kong Insurance Connect
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Currency diversification

Holding a policy in another currency changes exposure; it does not remove exchange risk. Premiums, benefits and future spending may use different currencies. Currency options shown here are published contract facts, not an asset-allocation recommendation.

General information only. The operator is a referrer, not a licensed insurance intermediary. We do not provide insurance advice or recommendations. A licensed broker is responsible for all advice and arrangements.

What usually matters

Foreign-currency annuity premiums and income carry exchange risk when converted into the currency used for retirement spending. IA: annuity phases and risks

Where a premium-financing loan and the policy use different currencies, exchange movements can add risk to interest and repayment obligations. IA: premium financing risk checklist

Questions to take to the broker

Ask about conversion rates and charges, currency-switch conditions and the currency of surrender proceeds.

Related sourced guides

Published product facts

Lists include every database record with a publicly sourced type matching the types below. Products and comparison groups appear A–Z by English name.The database is incomplete. Links do not confirm availability, residence acceptance, affordability or suitability.

  • Savings
  • QDAP

Comparison groups

Residence and cross-border rules

Hong Kong residents can use the local guides above. Overseas readers of any nationality should also check residence-country rules. A Chinese passport does not establish tax residence.Mainland visitors receive information only. The whole sales process, including signing, must take place in Hong Kong.

Country guides
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Sources & verification dates

Trust & licence checks — UK expats: Hong Kong insurance — Country guides