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在香港，即使有一、兩天沒有帶備現金上街，您一樣可以輕鬆生活。. 無論是購物、飲食或乘搭交通工具，甚至朋友間的拆賬付款，多用途的八達通卡、多種愈見普及的手機付款應用程式及電子錢包，足以照顧您各方面的日常所需。. 在這裡，無現金生活完全無 ...
B) 指定固定伴侶為受益人. 如果我和固定伴侶在香港同居，即在有承諾的關係中同住，我需要提供什麽來證明雙方的關係？. 如果你希望指定您的固定伴侶（定義見下文第3條）作為您壽險保單的受益人，而您正與伴侶同住，您應在提名受益人時，向滙豐人壽保險 ...
根據行業慣例，保險公司於申請階段一般只會接受有法律或血緣關係之人士作為受益人，並只容許於受保後更改受益人。. 隨著固定關係及家庭關係的定義日漸廣泛，這些變更能清晰及透明地回應客戶的需要。. 滙豐保險香港行政總裁文德華表示：「滙豐保險明白 ...
解读. 贷款能力： 正如Mike的个案一样，若能力许可，申请按揭时可由业主 （ 抵押人 ） 同时成为借款人，无需加入其他人。 信贷纪录： 成为按揭抵押人或借款人，都会留有信贷纪录，若日后要为其他物业申请按揭， 有可能会影响贷款能力。 值得留意： 如果一个物业同时有多个业主，申请按揭时所有业主都必须同意将物业抵押并作为抵押人， 同时需承担贷款的相关债务。 借款人（Borrower） = 承担贷款债务责任、负责供款的人. 例子： Anson準备明年结婚，与未婚妻以联名买一个新单位，两位均是业主（抵押人），而Anson（也作为借款人）则负责供款。 解读. 贷款能力： 银行借审核借款人的财务及信贷状况，确保其有足够还款能力才能上会。 如果借款人的还款能力不足，可以加入多过一位借款人。
- Wealth Protection
- Family Protection
- Wealth and Protection Transfer
- Estate Equalisation
- The Beauty of Legacy Planning
Life insurance policies with a savings element give you a lifetime of protection and can serve as a tool to help accumulate wealth for the long term. While you are growing the cash value of your policy with the premiums you pay, you may receive regular cash bonuses and dividends under the policy, subject to market conditions, which you can use to f...
Life can be unpredictable, and the lack of adequate protection could leave your family exposed financially in the wake of unfortunate events. That is why a life policy typically protects the insured person’s family with a sizeable death benefit in the unfortunate event of his/ her untimely passing. Some jurisdictions outside Hong Kong may impose es...
Some life policies allow you to change the life insured1(Subject to the approval of insurance company), which gives you the option to pass on your wealth and life protection to the next generation at an earlier time if you wish. A life policy also allows you to change your designated beneficiary (ies), so you always have the flexibility to allocate...
Sometimes people want to divide their assets evenly but not all assets and holdings can be easily divided into equal or defined portions. Purchasing a life insurance policy can be a good way to ensure effective distribution, so that, if you wish, all your beneficiaries would receive nearly equal shares of your estate. Applicable products: Whole Lif...
Mr. and Mrs. Chan’s estate is worth a total of HKD20 million, including a HKD8 million property. They plan to keep a portion of it for their retirement and divide the rest equally between their two children as inheritance. Without using insurance in legacy planning In this hypothetical scenario, Mr. and Mrs. Chan may have to ensure they spend no mo...
解讀. 貸款能力： 就如Mike的個案一樣，如能力許可，申請按揭時可由業主 （ 抵押人 ） 同時成為借款人，毋須加入其他人。 信貸紀錄： 成為按揭抵押人或借款人，都會留有信貸紀錄，如日後要為其他物業申請按揭， 有機會影響貸款能力。 值得留意： 如果一個物業同時有多個業主，申請按揭時所有業主都必須同意將物業抵押並作為抵押人， 也需承擔貸款的相關債務。 借款人（Borrower） = 承擔貸款債務責任、負責供款的人. 例子： Anson準備明年結婚，與未婚妻以聯名買一個新單位，兩位均是業主（抵押人），而Anson（也作為借款人）則負責供款。 解讀. 貸款能力： 銀行借審核借款人的財務及信貸狀況，確保其有足夠還款能力才能上會。 如果借款人的還款能力不足，可以加入多過一位借款人。
HSBC Insurance is expanding the beneficiary definitions of its life insurance policies to reflect a broader range of committed and familial relationships as the society is evolving. This is part of HSBC Insurance’s customer-centric initiative to enhance overall customer experience and accessibility to life insurance products.
