This page is the master list of sources cited across wholelife.hk, grouped into Hong Kong, Singapore, Mainland China, international organisations, published insurer documents and secondary sources, with the publisher, title, date, link and how each is used on this site. Compiled on 2026-10-24. The date column gives the document's publication date; for web pages without a clear publication date, the date accessed is shown. Regulatory documents are revised from time to time, so please check the latest version on the publisher's website before citing.
How to use this list and source grading
This site grades sources at three levels and applies them consistently in the main text:
| Level | Meaning | How it is cited in the main text |
|---|---|---|
| Primary | Original texts from regulators, government departments, statutory bodies, industry associations or the insurer concerned | Cited directly, with publisher and date |
| Secondary | Summaries of primary documents, or independently compiled data, from law firms, actuarial consultancies and the media | Marked "according to [organisation]'s commentary / compilation"; third-party indices are marked "unofficial data" |
| Unverified | Only a search excerpt is available, or the original text has not been read | Not cited directly for figures; described only qualitatively |
For some IA documents, a copy in the HKMA document repository or an authoritative hosted copy (such as the Interpretation Notes on GL16 hosted by the law firm Kennedys) is also given; for joint IA circulars, the version in the HKMA document repository is authoritative. Law firm and actuarial commentary on IA documents is listed as secondary. This site does not use any insurer internal materials, commission schedules or client information. On 2026-10-24, key figures and regulatory statements were re-checked one by one: the original texts of sections 64A–64C of Hong Kong's Insurance Ordinance, section 13 of the Married Persons Status Ordinance, the IA practice note on illustration caps and the interpretation note on the review mechanism, the Interpretation Notes on GL16 and the ICB terms of reference have all been read.
Hong Kong
| Publisher | Title | Date | Link | Use on this site |
|---|---|---|---|---|
| Government of the Hong Kong SAR | 新闻公报：保险业监管局明日起规管保险公司 (Press release: Insurance Authority to regulate insurers from tomorrow) | 2017-06-25 | https://www.info.gov.hk/gia/general/201706/25/P2017062300406.htm | Establishment and functions of the IA (regulation) |
| Insurance Authority (IA) | Circular – GL34 Guideline on Fund(s) of Participating Business | 2024-06-14 | https://www.ia.org.hk/en/legislative_framework/circulars/reg_matters/files/Circular_20240614_GL34.pdf | Participating fund governance (regulation) |
| Insurance Authority (IA) | Circular – 修订 GL34 (revised GL34) | 2025-09-19 | https://www.ia.org.hk/en/legislative_framework/circulars/reg_matters/files/Circular_20250919_GL34.pdf | Participating Business Committee and asset segregation (regulation) |
| Insurance Authority (IA) | GL16 Guideline on Underwriting Long Term Insurance Business (other than Class C Business) | 2026 revised version | https://www.ia.org.hk/en/legislative_framework/files/GL16.pdf | Point-of-sale and post-sale disclosure (regulation, fulfillment-ratio) |
| Insurance Authority (IA) | Interpretation Notes – GL16: Fulfillment Ratios & Historical Crediting Interest Rates (IA original; for the hosted copy see the link column, checked paragraph by paragraph on 2026-10-24) | 2023-02 (effective 2024-01-01) | https://ia.org.hk/sc/legislative_framework/files/Interpretation_Notes_GL16.pdf ; copy https://kennedyslaw.com/media/ho4js4ou/interpretation-notes.pdf | Definition, basis and disclosure timing of fulfilment ratios (fulfillment-ratio, premium-financing) |
| Insurance Authority (IA) | Circular 28022025 (Ref. INS/TEC/6/100) and Practice Note on Illustration Rate Caps (copies in the HKMA document repository) | 2025-02-28 (effective 2025-07-01) | https://brdr.hkma.gov.hk/eng/doc-ldg/docId/getPdf/20250228-3-EN/20250228-3-EN.pdf ; https://brdr.hkma.gov.hk/eng/doc-ldg/docId/getPdf/20250228-5-EN/20250228-5-EN.pdf ; IA original https://ia.org.hk/en/legislative_framework/circulars/reg_matters/files/Circular_28022025.pdf | Customer IRR caps of 6.0% / 6.5% (primary; illustration-caps, overview, currency, checklist) |
| Insurance Authority (IA) | Interpretation Note on the Review Mechanism for Illustration Rate Caps (copy in the HKMA document repository) | 2026-07-10 (effective immediately) | https://brdr.hkma.gov.hk/eng/doc-ldg/docId/getPdf/20260708-3-EN/20260708-3-EN.pdf | Biennial review and 50 basis point adjustment rule (illustration-caps, regulation) |
| Department of Justice (Hong Kong e-Legislation) | Insurance Ordinance (Cap. 41) ss 64A–64C | Version of 2025-05-23, accessed 2026-10-24 | https://www.elegislation.gov.hk/hk/cap41 | Insurable interest in life insurance (policy-split-change-insured, process, faq, glossary, checklist, scenarios) |
| Department of Justice (Hong Kong e-Legislation) | Married Persons Status Ordinance (Cap. 182) s 13 | Version of 2019-06-20, accessed 2026-10-24 | https://www.elegislation.gov.hk/hk/cap182 | Trusts over policies for the benefit of a spouse or children (legacy, compare, glossary) |
| Insurance Authority (IA) | GL29 Guideline on Cooling-off Period | Effective 2019-09-23 | https://www.ia.org.hk/en/legislative_framework/files/GL29.pdf | 21-calendar-day cooling-off period (premium-financing, checklist) |
| Office of the Commissioner of Insurance (predecessor of the IA) | Circular on Important Facts Statement for Mainland Policyholders; IFS-MP template | 2016-07-08 (effective 2016-09-01) | https://www.ia.org.hk/en/legislative_framework/circulars/reg_matters/files/cir_20160708.pdf ; https://www.ia.org.hk/en/legislative_framework/circulars/reg_matters/files/ifs-mp.pdf | Signing in Hong Kong by Mainland residents (process, checklist) |
| Insurance Authority (IA) | Premium levy rate to be adjusted to 0.1% on 1 April 2021 | 2021-03-31 | https://www.ia.org.hk/en/infocenter/press_releases/20210331.html | Premium levy (process) |
| Insurance Authority (IA) | Provisional statistics for 2024 / 1H2025 / 2025; quarterly press releases | 2025-04-25; 2025-07-25; 2025-10-24; 2026-04-24 | https://www.ia.org.hk/en/infocenter/press_releases/20250425.html ; https://www.ia.org.hk/en/infocenter/press_releases/20250725.html ; https://www.ia.org.hk/en/infocenter/press_releases/20251024.html ; https://www.ia.org.hk/en/infocenter/press_releases/20260424.html | New office premiums, participating business, Mainland visitor data (market) |
| Insurance Authority (IA) / Hong Kong Monetary Authority | Circular on premium financing supervisory standards (copy in the HKMA document repository) | 2022-04-01 (effective 2023-01-01) | https://brdr.hkma.gov.hk/eng/doc-ldg/docId/getPdf/20220401-6-TC/20220401-6-TC.pdf | Affordability, over-leveraging, IFS-PF (premium-financing, checklist) |
| Insurance Authority (IA) / Hong Kong Monetary Authority | Findings from IA-HKMA joint inspection exercise on premium financing | 2024-06-27 | https://brdr.hkma.gov.hk/eng/doc-ldg/docId/getPdf/20240627-1-TC/20240627-1-TC.pdf | Joint inspection findings (premium-financing) |
| Hong Kong Monetary Authority (HKMA) | Premium Financing (Smart Consumers) | Revised 2024-01-24 | https://www.hkma.gov.hk/eng/smart-consumers/premium-financing/ | Financing risk warnings (premium-financing) |
| Hong Kong Monetary Authority (HKMA) | How Does the LERS Work?; Refinements to the Operation of the LERS | Current page; 2005-05-18 | https://www.hkma.gov.hk/eng/key-functions/money/linked-exchange-rate-system/how-does-the-lers-work/ ; https://www.hkma.gov.hk/eng/news-and-media/press-releases/2005/05/20050518-4 | Linked exchange rate of 7.75–7.85 (currency, checklist) |
| Investor and Financial Education Council (IFEC) | 保单红利成绩表：分红实现率 (Policy bonus report card: the fulfilment ratio); 买分红保单要注意两大重点 (Two points to note when buying a participating policy) | 2022-12; 2022-05 | https://www.ifec.org.hk/web/sc/blog/2022/12/understanding-the-fulfillment-ratio-of-participating-policies.page ; https://www.ifec.org.hk/web/sc/blog/2022/05/Two-considerations-before-purchasing-a-participating-policy.page | Consumer explanation of fulfilment ratios (fulfillment-ratio, checklist) |
| Inland Revenue Department (IRD) | Estate Duty | Accessed 2026-10-22 | https://www.ird.gov.hk/eng/tax/edu.htm | Abolition of estate duty (legacy) |
| Inland Revenue Department (IRD) | FAQ on AEOI; List of Reportable Jurisdictions; CARF and Amended CRS Bill 2026 | Accessed 2026-10-22 | https://www.ird.gov.hk/eng/faq/dta_aeoi.htm ; https://www.ird.gov.hk/eng/tax/aeoi/rpt_jur.htm ; https://www.ird.gov.hk/eng/tax/aeoi/crs_bill_2026.htm | Scope of CRS reporting (legacy, checklist) |
| Financial Services and the Treasury Bureau | Insurance and Risk Management; press release on the PPS consultation conclusions | Accessed 2026-10-22; 2023-12-28 | https://www.fstb.gov.hk/en/financial_ser/insurance-industry.htm ; https://www.info.gov.hk/gia/general/202312/28/P2023122800437.htm | Policy Holders' Protection Scheme not yet legislated (regulation) |
| Companies Registry | Press release on TCSP licensing; External Circular No. 1/2018 | 2018-03-01 | https://www.cr.gov.hk/en/publications/news-press/press/20180301.htm ; https://www.tcsp.cr.gov.hk/tcspls/docs/Companies_Registry_External_Circular_No_1-2018_en.pdf | Licensing of trustees (legacy) |
| Hong Kong Judiciary | Probate Registry | Accessed 2026-10-24 | https://www.judiciary.hk/en/court_services_facilities/probate.html | Grants of probate and letters of administration (cross-border-claims, legacy) |
| Department of Justice | 律政司司长致辞（中国委托公证人）(Speech by the Secretary for Justice on China-Appointed Attesting Officers) | 2021-11-11 | https://www.doj.gov.hk/sc/community_engagement/speeches/pdf/sj20211111sc2.pdf | Hong Kong documents for use in the Mainland (cross-border-claims) |
| Association of China-Appointed Attesting Officers | 中国委托公证人办理公证文书规则（试行）(Rules for China-Appointed Attesting Officers handling notarial documents, trial) | 2025-05 | https://www.caao.org.hk/uploads/file/202505中國委托公証人辦理公証文書規則（試行）.pdf | Attesting officer procedure (cross-border-claims) |
| Consumer Council | Cooling-off Report Executive Summary | Accessed 2026-10-22 | https://www.consumer.org.hk/f/initiative_detail/301157/406989/Eng_executive_summary_Cooling-off_Report.pdf | Cross-check on the cooling-off period (regulation) |
| Insurance Complaints Bureau (ICB) | Terms of Reference | Accessed 2026-10-24 | https://www.icb.org.hk/en/terms_of_reference.html | HK$1.5 million limit, six-month time limit (cross-border-claims, compare, regulation, faq) |
Singapore
| Publisher | Title | Date | Link | Use on this site |
|---|---|---|---|---|
| Monetary Authority of Singapore (MAS) | Notice 320 Management of Participating Life Insurance Business | 2020-11-16 (effective 2021-01-01) | https://www.mas.gov.sg/regulation/notices/notice-320 | Management and disclosure of participating business (regulation, fulfillment-ratio) |
| Monetary Authority of Singapore (MAS) | Monetary Policy | Updated 2026-10-23 | https://www.mas.gov.sg/monetary-policy | SGD exchange rate policy (currency, checklist) |
| Monetary Authority of Singapore (MAS) | Guidelines to MAS Notice 314; Circular AMLD 01/2022 | 2025; 2022-02-08 | https://www.mas.gov.sg/regulation/notices/notice-314 ; https://www.mas.gov.sg/regulation/circulars/circular-on-non-face-to-face-customer-due-diligence-measures | Non-face-to-face due diligence framework (process, checklist) |
| Monetary Authority of Singapore (MAS) | Licensed trust companies; Financial Institutions Directory | Accessed 2026-10-24 | https://www.mas.gov.sg/regulation/capital-markets/understand-the-types-of-capital-market-entities/licensed-trust-companies ; https://eservices.mas.gov.sg/fid | Licensed trust companies and how to verify them (legacy) |
| MoneySense (MAS) | Interpreting your insurance documents | 2026-05-11 | https://www.moneysense.gov.sg/interpreting-your-insurance-documents/ | 14-day free-look period (premium-financing, checklist) |
| Life Insurance Association Singapore (LIA) / MoneySENSE | Your Guide to Participating Policies | 2020-05 | https://lia.org.sg/tools-and-resources/consumer-guides/2020/your-guide-to-participating-policies | One-ninth rule, nature of bonuses (regulation, compare) |
| Life Insurance Association Singapore (LIA) | Illustrated Investment Rate of Return for Par Policies; media release of 2021-06-02 | Accessed 2026-10-24; 2021-06-02 | https://www.lia.org.sg/tools-and-resources/illustrated-investment-rate-of-return-for-par-policies/ ; https://www.lia.org.sg/media/2976/20210602_lia-media-release_life-insurance-industry-revising-caps-on-par-pi.pdf | Illustration caps of 4.25% / 3.00% (illustration-caps, checklist) |
| Life Insurance Association Singapore (LIA) | Your Guide to Nomination of Insurance Nominees | 2026-03 | https://www.lia.org.sg/media/4815/ygtnin-english-2026.pdf | Nomination regime (legacy) |
| Life Insurance Association Singapore (LIA) | Guide on Submission of Death Claims to Life Insurer for Assessment | 2025-11 | https://www.lia.org.sg/media/4708/infographic-guide-on-submission-of-death-claims.pdf | Death claim documents and resealing (cross-border-claims, legacy, checklist) |
| Life Insurance Association Singapore (LIA) | Full-year 2025 results media release; 1H2025 results media release | 2026-02-11; 2025-08-13 | https://www.lia.org.sg/media/4789/20260211_lia-4q2025-results_media-release.pdf ; https://www.lia.org.sg/media/4643/20250813_lia-1h2025-results_media-release.pdf | Participating product share (market) |
| Singapore Statutes Online (AGC) | Insurance Act 1966 ss 131–134; s 146 (the current SSO version is authoritative) | Accessed 2026-10-22 / 2026-10-24 | https://sso.agc.gov.sg/Act/IA1966?ProvIds=pr132-,pr133- ; https://sso.agc.gov.sg/Act/IA1966?ProvIds=pr146- | Trust nominations, revocable nominations, insurable interest (legacy, policy-split-change-insured) |
| Singapore Deposit Insurance Corporation (SDIC) | PPF Entitlement; Scope of PPF Coverage | Accessed 2026-10 | https://www.sdic.org.sg/pp_entitlement/ ; https://www.sdic.org.sg/pp_scope_of_coverage/ | Policy Owners' Protection Fund (regulation, compare) |
| FIDReC | Financial Industry Disputes Resolution Centre | Accessed 2026-10 | https://www.fidrec.com.sg/ | S$150,000 dispute limit (cross-border-claims) |
| General Insurance Association of Singapore (GIA) | Insurance disputes | Accessed 2026-10 | https://gia.org.sg/help-support/insurance-disputes.html | Cross-check on FIDReC (cross-border-claims) |
| Inland Revenue Authority of Singapore (IRAS) | Estate Duty | 2026-03-09 | https://www.iras.gov.sg/taxes/other-taxes/estate-duty/estate-duty | Abolition of estate duty (legacy) |
| Inland Revenue Authority of Singapore (IRAS) | IRAS e-Tax Guide: Common Reporting Standard; CRS Overview and Latest Developments | 2026-08-11; 2026-09-09 | https://www.iras.gov.sg/media/docs/default-source/e-tax/iras-common-reporting-standard_e-tax-guide-2.pdf ; https://www.iras.gov.sg/taxes/international-tax/common-reporting-standard-(crs)/crs-overview-and-latest-developments | CRS reporting of cash value insurance contracts (legacy) |
| Ministry of Law (MinLaw) | Apostille Convention Enters into Force for Singapore | 2021-09-16 | https://mlaw.gov.sg/news/announcements/2021-09-16-apostille-convention-enters-into-force-for-singapore | Apostille route (cross-border-claims) |
Mainland China
| Publisher | Title | Date | Link | Use on this site |
|---|---|---|---|---|
| Standing Committee of the National People's Congress (State Taxation Administration law database) | 中华人民共和国个人所得税法（2018 修正）(Individual Income Tax Law of the PRC, 2018 amendment) | 2018-08-31 | https://fgk.chinatax.gov.cn/zcfgk/c100009/c5193028/content.html | Residence test, 20% flat rate, exemption of insurance compensation from individual income tax (legacy, cross-border-claims) |
| Ministry of Finance and State Taxation Administration | 关于境外所得有关个人所得税政策的公告（2020 年第 3 号）(Announcement on individual income tax policy for overseas income, No. 3 of 2020) | 2020-01-17 | https://fgk.chinatax.gov.cn/zcfgk/c102416/c5207136/content.html | Filing period for overseas income (legacy, checklist) |
| State Taxation Administration and five other departments | 非居民金融账户涉税信息尽职调查管理办法（2017 年第 14 号公告）(Administrative Measures on Due Diligence for Tax-related Information of Non-resident Financial Accounts, Announcement No. 14 of 2017) | 2017-05-09 | https://fgk.chinatax.gov.cn/zcfgk/c100012/c5207016/content.html | CRS in the Mainland (faq) |
| State Administration of Foreign Exchange, Xiamen Branch | 个人外汇业务服务小贴士 (Tips on personal foreign exchange services) | 2021-10 | https://www.safe.gov.cn/xiamen/file/file/20211022/f4794075e84e40dd9394be523a52731b.pdf | Purchased foreign exchange may not be used for overseas life insurance (cross-border-claims, checklist) |
| State Administration of Foreign Exchange, Sichuan Branch | 业务咨询常见问题 (Frequently asked questions) | 2019-05-27 | https://www.safe.gov.cn/sichuan/file/file/20190527/6a20baeb9f5643d894d01eba1d780b86.pdf | Overseas life insurance falls under the capital account (faq) |
| Guangdong / Shanghai / Zhejiang Provincial Tax Services of the State Taxation Administration; Shanxi Tax Service (reprinting Xinhua) | 对未申报境外所得居民个人的引导规范通报 (Notices on guiding resident individuals who have not reported overseas income) | 2025-11-20; 2025-03 | https://guangdong.chinatax.gov.cn/gdsw/zqsw_jcdt/2025-11/20/content_548cc3d12c5f4155bac882c559b33f79.shtml ; https://shanghai.chinatax.gov.cn/xwdt/swxw/202503/t475826.html ; https://zhejiang.chinatax.gov.cn/art/2025/3/26/art_13226_634675.html ; https://shanxi.chinatax.gov.cn/web/detail/sx-11400-2641-1817094 | Background on reporting overseas income; the notices do not refer specifically to insurance products (faq) |
International organisations and cross-border documents
| Publisher | Title | Date | Link | Use on this site |
|---|---|---|---|---|
| Hague Conference on Private International Law (HCCH) | Apostille Convention enters into force for the People's Republic of China | 2023-11-07 | https://www.hcch.net/en/news-archive/?tag=China | Entry into force of the Apostille Convention for China (cross-border-claims) |
| Ministry of Law (MinLaw) | As in the Singapore table above | 2021-09-16 | https://mlaw.gov.sg/news/announcements/2021-09-16-apostille-convention-enters-into-force-for-singapore | Entry into force of the Apostille Convention for Singapore; the competent authority is the Singapore Academy of Law |
The actual form of authentication for cross-border documents depends on the requirements of the insurer or authority where the document will be used; the table above sets out only the legal basis.
Published insurer documents (examples of policy structure only)
The documents below are used only to show "which provisions some products offer and on what approval conditions". This site does not recommend any of them by name and does not cite any illustrated returns, breakeven years or multiples.
| Publisher | Title | Date | Link | Use on this site |
|---|---|---|---|---|
| A Hong Kong insurer | Participating savings plan brochure (example of policy structure only; not a recommendation or a product profile; print code ending 2608) | 2026-08 | https://www.ctflife.com.hk/pdf/en/mywealth-beyond-savings-insurance-plan-brochure.pdf | Policy split, change of life insured, continuation by policy split on death, currency switching, bonus face value vs cash value (policy-split-change-insured, legacy, currency, premium-financing) |
| Manulife Hong Kong | Policy Split Service Leaflet (unverified; search excerpt) | Accessed 2026-10-24 | https://www.manulife.com.hk/content/dam/insurance/hk/zh-cn/documents/products/save/policy-split-service-leaflet.pdf | Differences in split conditions (qualitative) |
| HSBC Hong Kong | Product information (unverified; search excerpt) | Accessed 2026-10-24 | https://forms.hsbc.com.hk/content/dam/hsbc/hk/docs/insurance/life/wealth-goal/illustrative-examples.pdf | Differences in the number of changes of life insured (qualitative) |
| A Singapore insurer | Participating whole life product page (example of policy structure only; not a recommendation or a product profile) | Accessed 2026-10-24 | https://singlife.com/en/savings/legacy-income | Structure of change of life assured provisions in Singapore (policy-split-change-insured, faq) |
| A Singapore insurer (bank distribution page) | USD single premium participating whole life product page (example of policy structure only; not a recommendation or a product profile) | Accessed 2026-10-24 | https://sc.com/sg/insurance/prulife-vantage-achiever-prime | USD participating whole life in Singapore, exchange gains and losses (currency) |
| Generali Hong Kong / AIA Hong Kong / FWD Hong Kong | Death claim pages (secondary; search excerpts) | Accessed 2026-10-24 | https://www.generali.com.hk/EN_US/claims_and_support/individual/death-claim ; https://www.aia.com.hk/en/help-and-support/how-to-file-a-claim/death ; https://fwd.com.hk/en/claims-details/death | Claim documents for deaths overseas (cross-border-claims, qualitative) |
| AIA Hong Kong | IA information page (cross-check on the levy) | Accessed 2026-10 | https://aia.com.hk/en/help-and-support/individuals/ia-info.html | Cross-check on the premium levy |
Secondary sources and items pending verification
| Publisher | Title | Date | Link | Nature and use |
|---|---|---|---|---|
| DLA Piper | Hong Kong Insurance Authority issues revised guideline (GL34) | 2026-01 | https://www.dlapiper.com/en/insights/publications/2026/01/hong-kong-insurance-authority-issues-revised-guideline | Law firm commentary; revised GL34 (regulation) |
| DLA Piper | Insurance Authority of Hong Kong issues revised guideline (GL16) | 2026-03-25 | https://www.dlapiper.com/en/insights/publications/2026/03/insurance-authority-of-hong-kong-issues-revised-guideline | Law firm commentary; revised GL16 (regulation, fulfillment-ratio) |
| DLA Piper | Practice Note on Remuneration Structures and Commission Spreading for Participating Policies | 2025-08-11 | https://www.dlapiper.com/en/insights/publications/2025/08/hong-kong-insurance-authority-issues-practice-note | Law firm commentary; regulatory background only (regulation) |
| Milliman | Asia e-Alert: Hong Kong: Illustration rate cap for participating products | 2025-03-14 | https://www.milliman.com/en/insight/asia-e-alert-hong-kong-illustration-caps-participating-products | Actuarial consultancy briefing; basis of the illustration cap (illustration-caps) |
| Milliman | The Milliman Fulfillment Ratio Index (Reporting year 2024) | 2026-05-01 | https://www.milliman.com/en/insight/milliman-fulfillment-ratio-index-reporting-year-2024 | Third-party index, not official IA data (market, premium-financing) |
| Milliman | Asia e-Alert: HKRBC optimisation | 2024-08 | https://kr.milliman.com/-/media/milliman/pdfs/2024-articles/8-1-24_asia-e-alert_hongkong-hkrbc_optimisation.ashx | Cross-check on the GL34 effective date (regulation) |
| Kennedys | Hosted copy of the Interpretation Notes on GL16 | 2023-02 | https://kennedyslaw.com/media/ho4js4ou/interpretation-notes.pdf | Authoritative copy of the IA original (fulfillment-ratio) |
| Mondaq (law firm commentary) | Guarding Against The Creation Of Statutory Trusts When Assigning Life Insurance Policies As Collateral | Accessed 2026-10-24 | https://www.mondaq.com/hongkong/insurance-laws-and-products/404236/guarding-against-the-creation-of-statutory-trusts-when-assigning-life-insurance-policies-as-collateral | Law firm commentary; effect of section 13 on collateral assignment (legacy) |
| Mayer Brown | Issues with Insurable Interest – Taking out Hong Kong Life Insurance with Collateral Assignment | 2022-11-21 | https://www.mayerbrown.com/en/insights/publications/2022/11/issues-with-insurable-interest-taking-out-hong-kong-life-insurance-with-collateral-assignment | Law firm commentary; insurable interest for oneself and spouse, and for grandparent-grandchild relationships (policy-split-change-insured) |
| Allen & Gledhill | MAS issues circular on non-face-to-face customer due diligence measures for financial institutions | 2022-02-25 | https://www.allenandgledhill.com/sg/publication/articles/20232/mas-issues-circular-on-non-face-to-face-customer-due-diligence-measures-for-financial-institutions | Law firm summary; video conference controls under AMLD 01/2022 (process) |
| LawPlayer | Insurance Act 1966, s 146 (reproduction of the provision) | Accessed 2026-10-24 | https://lawplayer.com/sg/article/IA1966/146 | Secondary reproduction; the official SSO version is authoritative |
| The Straits Times (reproduced by NTU) | Why borrowing money to fund insurance policies can prove detrimental | 2022-07-22 | https://ntu.edu.sg/business/news-events/news/story-detail/why-borrowing-money-to-fund-insurance-policies-can-prove-detrimental | Singapore financing rates pegged to short-term benchmarks (premium-financing) |
| Sina Finance (Yicai) | 香港分红保单演示上限生效报道 (Report on Hong Kong participating policy illustration caps taking effect) | 2025-07-01 | https://finance.sina.cn/2025-07-01/detail-infcxwtr5511985.d.html | Media cross-check (illustration-caps) |
| Asia Insurance Review | Hong Kong insurance premiums surge 32% to US$37.4bn in first quarter of 2026 | 2026-09 (October issue) | https://asiainsurancereview.com/Magazine/ReadMagazineArticle?aid=60639 | Reporting IA provisional statistics of 2026-07-24 (market) |
| Insurance Business Asia | Hong Kong insurance market extends growth run as data gap widens | 2026-07-25 | https://www.insurancebusinessmag.com/asia/news/breaking-news/hong-kong-insurance-market-extends-growth-run-as-data-gap-widens-583673.aspx | Reporting IA provisional statistics of 2026-07-24: 1Q2026 long term and participating new office premiums; suspension of Mainland visitor data (market) |
| Insurance Business Asia | Financial adviser channel claws back Singapore's premium lead from banks | 2026-08-12 | https://www.insurancebusinessmag.com/asia/news/life-insurance/financial-adviser-channel-claws-back-singapores-premium-lead-from-banks-585871.aspx | Reporting LIA 1H2026 data; the LIA original has not been read (market) |
| The Paper; Wuhan Local Financial Work Bureau (reprint) | 赴港买保险的风险提示 (Risk warning on buying insurance in Hong Kong) | 2016-11-01; 2023-06-05 | https://www.thepaper.cn/newsDetail_forward_1552663 ; https://jrj.wuhan.gov.cn/ztzl_57/xyrd/bxy/202306/t20230605_2211063.shtml | Reports of a warning issued by the former China Insurance Regulatory Commission; the original has not been located (faq) |
| China Securities Journal; Cailian Press | Reports on a Greater Bay Area insurance after-sales service centre | 2018–2023 | https://cs.com.cn/bx/201809/t20180927_5877440.html ; https://www.cls.cn/detail/1286445 | Unverified: as at October 2026, no formal announcement of operation has been seen (cross-border-claims, faq) |
Items to follow up: the IA's provisional statistics for the first half of 2026 (no public reports found as at 2026-10-24); the original LIA media release on first-half 2026 results; the legislative progress of Hong Kong's amended CRS bill; progress on legislation for Hong Kong's Policy Holders' Protection Scheme; whether LIA adjusts the illustration caps for SGD participating policies; and the IA's first periodic review of illustration caps (based on data as at 2027-07-01, to be announced in the third quarter of 2027). This list is revised in step with updates to the main text.
Sources and dates
- Interpretation Notes – GL16: Fulfillment Ratios & Historical Crediting Interest Rates — Insurance Authority (Hong Kong) · 2023-02
- Notice 320 Management of Participating Life Insurance Business — Monetary Authority of Singapore (MAS) · 2020-11-16
- Illustrated Investment Rate of Return for Par Policies — Life Insurance Association Singapore (LIA) · 2026-10-24 (accessed)
- Circular on the supervisory standards and key requirements on the use of premium financing — Insurance Authority (Hong Kong) · 2022-04-01
- Guide on Submission of Death Claims to Life Insurer for Assessment — Life Insurance Association Singapore (LIA) · 2025-11