Skip to content
港險通Hong Kong Insurance Connect
Ask a broker

Mass affluent households

Households with accumulated savings can compare liquidity, guarantees and long-term payment commitments across policy types. Having several policies does not multiply personal tax limits. This is a browsing label without an asset threshold or a product 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

Across several qualifying annuity policies, premiums still share the same individual deduction limit with tax-deductible MPF voluntary contributions. IRD: qualifying annuity premium deductions

Participating policies distribute non-guaranteed benefits; accumulating several such policies does not turn their illustrated bonuses into guaranteed cash. IA: life insurance types and cash values

Questions to take to the broker

Ask for combined premium commitments, guaranteed surrender values, tax eligibility and costs before adding borrowing.

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
  • Whole life
  • 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
Enquire about this topic

Sources & verification dates

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