Lifestyle Insurance

01/09/2026

Buying insurance is an important decision, so most people seek out an advisor to help them find, explain and negotiate a plan that fits their circumstances.

The difference is who that advisor works for: an agent is appointed by one insurance company, while a broker holds an independent licence and shops around on your behalf.

Do you have the right insurance broker? Here is a 9-point checklist of questions to ask to help you make the right decision.

What's the difference between an insurance broker and an insurance agent? Here are 9 questions to ask your insurance broker.

25/08/2026

An insurance broker is a licensed professional who arranges insurance on your behalf, rather than on behalf of an insurer.

In Hong Kong, brokers are licensed and regulated by the Insurance Authority (IA) under the Insurance Ordinance.

This guide explains what a broker is, what they do, what they cost, and how they differ from an insurance agent.

Discover how insurance brokers work help you save money and navigate complex policies with ease.

20/08/2026

Myth: "I'm too young to think about life insurance."

Fact: Being young is actually the best time to lock it in.

Here's why:

✔ Premiums are based on age and health — the younger and healthier you are, the lower your rate, locked in for the life of the policy

✔ Waiting doesn't save money. It usually means paying more later for the same coverage, or facing exclusions if your health changes

✔ Starting early = more years of continuous coverage, right as you take on things like a mortgage or a family

The cheapest policy you'll ever be offered is probably the one available to you right now.

Book a free consultation:

https://www.lfsinsurance.com/2026/07/24/is-life-insurance-too-expensive-in-hong-kong-3-myths-busted/

18/08/2026

If you've put off buying life insurance because you assume it's expensive, complicated, or something to think about "later," you're not alone — but the assumption is usually wrong.

For many people in Hong Kong, an annual life insurance premium amounts to roughly the cost of one family dinner each month, and that small, regular amount can protect a mortgage, a child's education, and a family's long-term stability.

In Hong Kong, an annual life insurance premium works out to roughly the cost of one family dinner out each month. Is that expensive?

11/08/2026

If your business manufactures, distributes, sells, or even supplies a single component of a product, you're exposed to claims if that product ends up injuring someone or damaging their property.

It doesn't matter whether the defect was yours or a supplier's further up the chain — if your name is on it, you can be named in the claim.

Products Liability insurance covers the legal defence costs and compensation that follow, even for products that left your hands months or years ago.

https://www.lfsinsurance.com/business-insurance/products-liability/

06/08/2026

Does your life insurance actually cover what it needs to?

Most policies get bought once and are never revisited. A proper audit checks four things:

✔ Income replacement — enough to maintain your family's standard of living, for long enough

✔ Outstanding debts — your mortgage and loans are cleared, not passed on

✔ Dependents — education costs covered, local or overseas

✔ Premium fit — are you still getting a competitive rate for your age and health?

A 15-minute audit tells you exactly where you stand, without the rush. Book a free, no-obligation coverage review with a Lifestyle Insurance advisor today.
https://www.lfsinsurance.com/2026/07/24/life-insurance-coverage-audit/

04/08/2026

When did you last check if your life insurance still covers what matters?

September is Life Insurance Awareness Month, and it's the busiest time of the year for new policy enquiries in Hong Kong.

Beat the rush! Our short article shows you exactly where the gaps are. For an even more accurate and free audit, contact our advisors!

This guide walks you through a simple, five-point life insurance coverage audit you can do in about 15 minutes.

23/07/2026

Cancer remains the leading cause of death in Hong Kong, accounting for 15,075 of all registered deaths in 2024.

A serious diagnosis can affect much more than your health. Time away from work, reduced income and ongoing household expenses can quickly create additional financial pressure.

Critical Illness Insurance provides a lump-sum payout if you are diagnosed with a covered condition.

The payout can help you:

✅ Replace lost income while you are unable to work

✅ Cover treatment or recovery costs beyond your medical insurance

✅ Keep up with mortgage payments, rent and other financial commitments

✅ Reduce financial pressure while you focus on recovery

Financial protection is not only about preparing for medical bills. It is also about protecting your ability to manage everyday life when circumstances change unexpectedly. https://www.lfsinsurance.com/personal-insurance/critical-illness/

21/07/2026

The value of lost or stolen luxury watches on a global database has reached a record £1.7 billion.

For owners and collectors, these figures are an important reminder to review how valuable watches, jewellery, fine art and collections are protected.

Learn more about Fine Art & Jewellery Insurance and speak with our team about your coverage needs: https://www.lfsinsurance.com/home-insurance/fine-art-jewellery/

16/07/2026

Travel insurance can cover much more than lost luggage.

The right cover can help protect you from unexpected costs when plans change.

Get covered before you go and enjoy a 15% premium reduction when you buy your travel insurance online.

https://www.lfsinsure.com/buy-online/