Term or Whole of Life: A Decision Framework That Works
There is a version of this comparison that gets you nowhere, and it is the one most people are given. Term is cheap but temporary. Whole of life is expensive but permanent. Both true, neither useful, and you are no closer to a decision than when you started. The comparison that actually settles it starts […]
Whole of Life Cover and the Question It Actually Answers
Whole of life cover has a reputation problem in Hong Kong, and it is partly deserved. It is sold hard, it is often sold to people who do not need it[14], and the version that gets sold hardest is usually the version with the most moving parts. None of which makes it a bad product. […]
Getting Life Insurance With a Pre-Existing Condition
People with a diagnosis usually stop looking. That is the single most expensive thing about this subject, and it is based on an assumption that is mostly wrong. Life insurance with a pre-existing condition is available in Hong Kong far more often than people expect. A declared condition is normally a restriction on the terms […]
Critical Illness Cover After You Have Had a Diagnosis
The question usually arrives some months after the diagnosis, once the immediate crisis has passed and somebody has started thinking about what happens next. Can I still get cover? And underneath it, unspoken: have I missed my chance permanently? The honest answer has two halves and they point in different directions. For the condition you […]
Critical Illness Insurance Cost in Hong Kong: 2026 Guide
What critical illness insurance in Hong Kong really costs, what drives the premium, and whether it is worth it alongside your medical cover. Expert 2026 guide.
Leaving Hong Kong: What Happens to Your Life Insurance
The insurance question arrives late in the leaving process, usually somewhere between the shipping quotes and the school references,[1] and by then some of the use[5]ful decisions have already been foreclosed. The difficulty is that not everything behaves the same way.[16] Some policies follow you without fuss, some quietly become invalid,[16] and one or two […]
How Much Life Insurance Do I Need? A Hong Kong Expat’s Calculation
Most people answer this question with a round number that sounds serious,[15] and round numbers that sound serious are almost never right[1]. The figure is not a matter of taste. It is a calculation with four inputs and one subtraction,[1] and it takes about fifteen minutes to do properly[3]. Done carelessly it produces two failure […]
Income Protection and Disability Insurance for Expats in Hong Kong
Most people insure the thing that would kill them and not the thing that would stop them earning,[16] which is odd, because the second is considerably more likely[6]. Life cover pays when you die. Medical cover pays the hospital. Neither pays the rent while you are recovering[3] from something that took you out of work […]
Life Insurance Brokers in Hong Kong: Why Expats Use One
Life insurance is the one product where the price you are offered depends less on the product than on you[9]. Two people of the same age, buying the same amount of cover from the same insurer, can be quoted very different premiums because of a line in a medical record, a hobby, a family history, […]
Life Insurance in Hong Kong: A Guide for Expat Families
Life insurance Hong Kong guide for expat families: how much cover is enough, term vs whole life, currency, leaving HK, and beneficiaries across two countries.
