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13 insurers · End-to-end product reference

See Hong Kong insurance
in finer detail

From insurer backgrounds and promotional offers, through dividend fulfilment ratios, savings plans and critical illness cover, to reading a benefit illustration and comparing across insurers — everything is organised so it can actually be read and compared.

Browse the 13 insurers Go to product comparison
0Major insurers
0Savings plans
0Critical illness plans
0Official pages
FLAGSHIP

Flagship plans from six insurers

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1 / 6

Copy here is a summarised digest, not an official insurer document; benefits and returns follow the official benefit illustration and policy terms.

Promotional images remain the property of the respective insurers and are shown here for product information only. If you believe an image should not appear here, contact us and we will remove it promptly.

FUNCTIONS

Nine modules

Ordered as: understand the insurer → read the product → learn to compare → fill in the basics. The pages cross-link to each other.

Insurers

Background, market position and product strengths of 13 major insurers.

View all 13

Promotions

Premium discounts, rebates and benefits currently offered across insurers.

See offers

Fulfilment Ratio

Direct links to all 13 insurers' official ratio pages, with disclosure conventions compared.

View sources

Savings Plans

Dividend savings, multi-currency, whole life and retirement annuity plans.

Browse plans

Critical Illness

Multiple-payout, tiered-payout and early-stage illness cover compared.

Browse plans

Proposal Guide

Break down a benefit illustration: guaranteed vs non-guaranteed, and IRR.

Learn to read

Compare

Filter across insurers and plan types, then compare side by side.

Start comparing

Insurance 101

Glossary, application and renewal process, market differences and planning by age.

Start reading

News

Regulatory updates, industry views, product and cross-border news.

Read more
INSURERS

The 13 insurers at a glance

A mix of international groups, the Hong Kong arms of mainland Chinese groups, and local insurers — each with a different emphasis.

AIAAIAaia.com.hk
SavingsCritical illnessMedical

AIA is a large Asia-rooted listed life insurance group, founded in Shanghai in 1919 and operating in Hong Kong since 1931. Hong Kong is one of its cor…

PrudentialPrudentialprudential.com.hk
British-style bonusSavingsRetirement

Prudential has operated in Hong Kong since 1964 and is among the longest-established life insurers in the market. It is known for its British-style di…

AXAAXAaxa.com.hk
Global brandSavingsHealth

AXA is a global insurance and asset management group spanning life, health, property and casualty, and asset management. Its Hong Kong business offers…

ManulifeManulifemanulife.com.hk
MPFSavingsCritical illness

Manulife has operated in Hong Kong since 1897 and is one of the longest-established foreign insurers here, as well as a major MPF provider. Its range …

CTF LifeCTF Lifectflife.com.hk
Local brandSavingsProtection

Formerly FTLife, CTF Life was renamed in 2024 and is the life insurance flagship of Chow Tai Fook Create (formerly NWS Holdings). The brand draws on t…

YF LifeYF Lifeyflife.com
SavingsRetirement annuityProtection

YF Life was formerly MassMutual Asia Limited. A consortium led by Yunfeng Financial acquired the business in 2018 and it was renamed YF Life Insurance…

China Life (Overseas)China Life (Overseas)chinalife.com.hk
Mainland parentageSavingsCross-border

China Life Insurance (Overseas) Company Limited is the principal platform through which China Life Group writes long-term insurance business in Hong K…

CPIC Life (HK)CPIC Life (HK)cpiclifehk.com.hk
Mainland parentageSavingsCritical illness

CPIC Life Insurance (Hong Kong) Company Limited is the platform through which China Pacific Insurance Group writes life business in Hong Kong, focusin…

Well Link LifeWell Link Lifewli.com.hk
Local brandProtectionSavings

Well Link Life is a life insurer focused on the Hong Kong market, offering mainly protection and savings products with a relatively simple product str…

BOC LifeBOC Lifeboclife.com.hk
Bank channelSavingsRetirement annuity

BOC Life was established in 1998 as the life insurance platform of BOC Hong Kong, serving customers through the bank's branch network across savings, …

Sun LifeSun Lifesunlife.com.hk
Global brandProtectionRetirement

Sun Life was founded in Canada in 1865 and has operated in Hong Kong since 1891. It is a global financial services organisation offering life and heal…

China Taiping (Hong Kong)China Taipingtplhk.cntaiping.com
Mainland parentageSavingsMedical

China Taiping is a long-established Chinese insurance brand, founded in Shanghai in 1929. The group writes life and general insurance in Hong Kong, se…

FWDFWDfwd.com.hk
DigitalSavingsCritical illness

FWD is a pan-Asian life insurance group operating across Hong Kong, Macao and several other Asian markets. It is known for its digital application exp…

See full insurer profiles
FULFILMENT RATIO

Fulfilment ratios at a glance

The fulfilment ratio compares dividends actually paid against the amounts illustrated at the point of sale. This site does not republish the figures — it links straight to all 13 insurers' official disclosure pages.

aia.com.hkprudential.com.hkaxa.com.hkmanulife.com.hkctflife.com.hkyflife.comchinalife.com.hkcpiclifehk.com.hkwli.com.hkboclife.com.hksunlife.com.hktplhk.cntaiping.comfwd.com.hk
See all sources
HOW TO CHOOSE

Four steps

A general thought process that works for both savings plans and critical illness cover.

01

Define the need

Start with the goal: long-term growth, education funding, retirement income, or illness protection. The need determines the plan type.

02

Understand the structure

Separate guaranteed from non-guaranteed, and check the premium term, policy currency and surrender value curve — don't just look at the illustrated total.

03

Compare sideways

For the same need, compare two or three insurers' equivalent plans line by line: IRR, coverage scope and dividend history.

04

Confirm the application

Check the benefit illustration and policy terms, understand the cooling-off period and payment arrangements, then complete the application.

CONSULT

Bring your questions

Leave a few details and your area of interest, and we can pull together the relevant insurer profiles, plan shortlist and proposal reading points.

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