Free tools
Use free calculators, official-list search and printable preparation checklists without signing up. All calculations and searches stay in your browser.
Illustration only, not advice.
General information only. The operator is a referrer, not a licensed insurance intermediary.
Assumptions and limits
General information, no sign-up. Examples use invented numbers and identify no product. Select a tool to read its calculation assumptions.
Calculations stay in this browser. Inputs are not sent, stored or added to the enquiry link. Avoid personal identifiers.
- Surrender value and break-even explainer · Compare premiums with your own surrender illustration and reduce non-guaranteed values to explore losses.
- Premium financing stress test · Explore loan interest, policy equity and collateral calls under user-entered cash value and interest assumptions.
- Tax-deduction calculator · Estimate qualifying deductions in HKD: VHIS has a per-person cap; QDAP shares a cap with MPF TVC
- Savings IRR calculator · Enter annual premiums and terminal values from your own illustration
- First-payment estimator · Estimate a single or annual long-term premium payment, the IA levy and your chosen bank/card fees and FX spread
- Is it authorised? · Search stored IA insurer, VHIS and QDAP official-list snapshots by name or reference
- Printable checklists · Print preparation lists for signing in Hong Kong, questions for any licensed adviser and claim documents
Static worked example
Hypothetical example — invented amounts, no product recommendation.
Hypothetical: use the IRR tool with annual premiums 100, 0 and terminal value 121 to obtain 10% under its timing assumptions. This does not describe a product.