... Charges: Some fees/charges will be deducted from the premiums you pay and/or your ILAS policy value, and will reduce the amount available for investment. Accordingly, the return on your ILAS policy as a whole may considerably be lower than the return of the underlying/reference funds you selected. For...

... regulatory regime for licensed insurance agencies As you will be aware, the direct regulatory regime for licensed insurance intermediaries, as set out in the Insurance Ordinance (Cap. 41) (“Ordinance”) has been in effect for just over one year now, having commenced on 23 September 2019. Based on our...

... comprehensively as possible on their journey. When should you buy travel insurance? Outbound travellers should buy travel insurance as soon as their itinerary is confirmed and they have made a payment or deposit for the trip, as the coverage commences only when the policy is approved. If...