BY LFSINSURANCELife Insurance
Make space for a conversation about the people and commitments that matter to you.
Who depends on you?
Think about the people who rely on your income and the financial commitments you would want to discuss with an adviser.
Prepare for your conversation
Bring an outline of your existing cover, household commitments and the period of protection you have in mind.
Read the proposed policy
Ask your adviser to explain the benefits, exclusions, premiums and application requirements before you decide.
Prepare for your conversation
- List the people who depend on your financial support.
- Outline household commitments and outstanding liabilities.
- Bring details of personal and employer life cover.
- Consider how long each commitment may continue.
- Ask which benefits are guaranteed and whether any figures are illustrations.
- Check how long premiums are payable and whether they can change.
Your questions, answered
What is life insurance for?
Life insurance is designed to provide a death benefit under the contract. Start with the financial support your dependants would need.
How do term and whole-life cover differ?
Term insurance provides protection for a defined period. Whole-life insurance is designed for lifelong protection and may include other features. Compare the contract, costs and purpose with an adviser.
How much cover should I consider?
Discuss household spending, dependants, liabilities, existing cover and other resources. A personal needs assessment is more useful than a fixed multiple of income.
Should I replace my existing policy?
Compare the existing and proposed contracts with an adviser, including costs, benefits and application requirements. Do not assume a new application will be accepted.
Read our practical guide
Questions to take to a life insurance adviser →
Further reading: Insurance Authority: Life insurance; Protection Needs Assessment. Content checked 6 November 2026.
LFScompare will offer selected providers and plans, rather than the whole Hong Kong market. A logo does not mean every product is available. Ask which options are included in your comparison.
Check indicative term-life premiums through the Instly quote tool. Final premiums depend on the insurer’s underwriting.
Get a Life QuoteA little guidance goes a long way.
Bring your questions. Explore your next step with LFSinsurance.