Hong Kong insurance has so many unknown "hidden features"!

As a city that ranks among the world's top three financial centers, Hong Kong is home to many of the world's top insurance and financial companies, which makes theHong Kong's insurance products have demonstrated exceptional global appeal.

For high net worth individuals in the Mainland, the value-added potential of Hong Kong insurance is only one of the aspects, and more critically, theIt is difficult to quantify the financial benefits that can be realized through a series of hidden features carefully designed by Hong Kong insurance.

So, what kind of hidden features have prompted mainland consumers to take out insurance in Hong Kong?

#01

Policy split:

Flexible asset management

The policy splitting feature allows the policyholder to split the original master policySplit into multiple small policies at a certain rateEach policy stands alone and retains its original current value and product protection features.

This feature provides policyholders with great flexibility, not only to allocate assets according to the different needs of family members, but also to subsequently designate the split policy to different currency types through the currency conversion function to cope with possible exchange rate risks.

By splitting the policy, the policyholderNo need to worry about the impact of immigration or exchange rate changes on policy valuesat the same timeAvoid financial losses from surrendering your policy.

#02

Dividend Lock:

Stable income, flexible withdrawal

Although the dividend income of Hong Kong participating insurance is affected by the investment market, some products provide a dividend lock-in feature.

This means that from the 10th anniversary date of the policy, theThe policyholder can lock in partial reversionary dividends or terminal dividends each year.The maximum cumulative percentage that can be locked in is 50% of dividends paid.

This feature enables policyholders to lock in the amount of dividends paid when the market performs well, thus ensuring stability of returns.

Locked-in dividends canWithdraw cash at any timeAnd so can you.Remain in account to earn interest, providing policyholders with more flexibility in the use of their funds.

#03

Asset segregation:

Protecting personal assets and avoiding debt liquidation

The asset segregation function of Hong Kong insurance is one of its unique advantages.

By purchasing a Hong Kong insurance policy, the policyholder canAvoiding the liquidation of business assets by debt when they are at risk of insolvency by taking advantage of the fact that their beneficial rights are greater than their claims.

At the same time, Hong Kong insurance has the advantage of natural debt segregation as it maintains excellent confidentiality of information and is under a different set of jurisdictions. This provides policyholders with a safe and efficient asset protection program, ensuring that personal assets are effectively safeguarded in the face of various risks.

#04

Unlimited Change of Insured

Realize the perpetuation of wealth

Another hidden feature of Hong Kong insurance is the unlimited change of insured.

This feature breaks the unchangeable limitations of the insured in traditional life insurance by enabling the policyholder to, if he or she so desires, toChanging the policy insured to the next generation or beyond.

By continually changing the insured, the policyholder canAchieve smooth asset transferThis reduces the risk of interruption of wealth accumulation due to the death of the insured.

This feature not only provides policyholders with a more flexible wealth inheritance program, but also trulyBreaking the curse of the "three generations of the rich".Enabling continued growth and continuity of family wealth.

The hidden features of Hong Kong insurance provide policyholders with moreRich and flexible asset management and wealth transfer programs.

With features such as policy splitting, dividend locking, asset segregation and unlimited change of insured, policyholders are not only able toEnsure the safety of personal assets and stable income, and also realize the perpetual inheritance of wealth.

These features not only reflect the innovation and flexibility of the Hong Kong insurance market, but also provide policyholders with more comprehensive risk management solutions.

Therefore, Hong Kong insurance is certainly an option worth considering for investors seeking an efficient, safe and flexible wealth management solution.

If you are interested in Hong Kong insurance, please feel free to enquire!