...維持你的個人生活 水平，或能解決你的財務負擔，例如可支援照 顧摯親一段時間。 投保錦囊 5 6 8 7 轉換保單 保單價值 細閱詳情 不要輕易退保或轉換保單。如你在保單生效 期內退保或轉換人壽保單，或會招致財務損 失。某些保障範圍，保險公司或會因你的健 康狀況改變而拒絕受保，或需要你繳付較高 的保費才會承保。在作出退保或轉換保單決 定前，你應仔細評估自己的保險需要及分析 退保或轉換保單的利與弊。 保險產品的宣傳品，通常只概述重要條款，你不 要把宣傳品上的資訊當作是完整的保單條款及細 則。當兩者出現歧義時，均以保單上的條款及細 則為準。因此，收到保單後，你應詳細閱讀保單 內容，如不保項目、免賠額...

... insured property. The sum insured for life insurance should be su�cient to maintain your living standard or cover your financial burdens such as support those of your loved ones for a certain period of time. 5 6 8 7 Tips on buying insurance Replace a policy Policy values Read details Decide on the amount...

... replace a policy with a new one, note that the waiting period will begin again from the commencement date of the new policy. As this can affect your medical protection, bear this carefully in mind if you are considering surrendering your existing policy. 5. Disclose your health history...

... underwriting questions, immediately call the customer service hotline or consult the customer service officer through live chat. 5. Pay attention to the coverage period and renewal procedure When you apply for insurance online on your own, there is no intermediary to remind you...

... (Cap. 221), a fine at level 5 is HK$50,000 at present. ...

... Regulations”). This has, however, coincided with the 5th wave of the COVID 19 pandemic which has meant that during the first part of this calendar year, delivery of CPD courses has effectively been limited only to online channels. The industry has adapted to online mechanisms of CPD learning with impressive...

... broker companies Minimum CPD hours New training courses － F.5 graduate Level 2 or above in five subjects (including Chinese or English, and Mathematics) in the Hong Kong Diploma of Secondary Education Examination (HKDSE) Bachelor’s degree 10 hours 15 hours At least 3 CPD hours related to ethics or...

... and diverse - it covers 45 million square kilometres or 30% of total land area on this planet, and is the home to 4.5 billion people or roughly 60% of the global population. There are 48 nations with different cultural backgrounds, religious beliefs and states of development. As a local guy born and...

... assistance is provided within the terms of the memorandum; and b. engage in consultations, as appropriate, on mutually agreeable approaches designed to enhance the integrity and efficiency of their respective insurance markets and the exercise of insurance market supervisory functions. 5. This Memorandum...