Please click Terms and conditions to read the Terms of Use of this website before proceeding. Please click the "Accept" button below to continue if you have read and agree to abide by the Terms of Use. Otherwise, please click "Decline" to leave the website.
Terms of Use
You must read the following information before proceeding. By accessing this website / application and any pages thereof, you acknowledge that you have read the following information and accept the terms and conditions set out below and agree to be bound by such terms and conditions. If you do not agree to such terms and conditions, please do not access this website / application or any pages thereof.
General
This website / application has been prepared by FIL Investment Management (Hong Kong) Limited and for informational purposes only. FIL Investment Management (Hong Kong) Limited, FIL Limited and its subsidiaries are commonly referred to as Fidelity or Fidelity International ("Fidelity"). The information on this website / application is intended for Hong Kong residents and is for reference only. None of the Fidelity products referred to on this website have been approved for sale or purchase by any authority outside Hong Kong. Persons resident in territories other than Hong Kong should consult their professional advisers as to whether they may subscribe for the products and services described in this website / application or whether they require any governmental or other consents or need to observe any formalities to enable them to do so. Certain Fidelity products sold in Asia may be established in Luxembourg. The information contained in this website / application does not constitute a distribution, an offer to buy or sell any securities or the solicitation of any offer to buy or sell any securities, engage the investment management services of Fidelity in any jurisdiction in which the distribution or offer is not authorized or would be contrary to local laws or regulations. Without limitation, the information in this website / application is not for distribution and does not constitute an offer to buy or sell any securities in the United States of America to or for the benefit of United States persons (being residents or citizens of the United States of America or partnerships or corporations organized under the laws of the United States of America). It is the responsibility of the persons who access this website / application to observe all applicable laws and regulations.
Fidelity reserves the right to grant or revoke the authority to use the Fidelity Internet sites at its absolute discretion. Whilst every reasonable precaution has been taken to ensure the accuracy, completeness, security and confidentiality of information available through the Fidelity Internet sites, Fidelity makes no warranty as to the accuracy, completeness, security and confidentiality of such information. Fidelity, its affiliates, directors, officers or employees accept no liability for any errors or omissions relating to information available through the Fidelity Internet sites. Fidelity cannot be held responsible for any consequence of any action carried out by any user authorised or unauthorised.
These Terms of Use are in addition to any other agreements between you and FIL Investment Management (Hong Kong) Limited, including any customer or account agreements, and any other agreements that govern your use of FIL Investment Management (Hong Kong) Limited’s products, services, content, tools and information available on this website / application.
We reserve the right to change the website / application and the Terms of Use at any time without notice. If you use the website / application after the amended Terms of Use have been published, you will be deemed to have agreed to the Terms of Use, as amended.
Use of website
Unless otherwise specified, information contained in this website / application does not constitute investment advice or recommendations. Users are solely responsible for determining whether any investment, security or strategy, or any other product or service is appropriate or suitable for them based on their investment objectives and personal and financial situation unless otherwise agreed by FIL Investment Management (Hong Kong) Limited. Any person considering an investment should seek independent advice on the suitability or otherwise of the particular investment. While certain tools available on the website / application may provide general investment or financial analyses based upon your personalized input, such results are for your information purposes only and you should refer to the assumptions and limitations relevant to the use of such tools as set out in this website / application. Users should consult their independent professional advisers should they have any questions. The information contained in this website / application is only accurate on the date such information is published on this website / application.
Third Party Content
This website / application includes material from third parties or links to websites maintained by third parties some of which is supplied by companies that are not affiliated with any Fidelity entity ("Third Party Content"). Third Party Content is available through framed areas, through hyperlinks to third party web sites, or is simply published on the site. The Third Party Content is protected by copyright pursuant to Hong Kong laws and international treaties and is owned or licensed by the Third Party Content provider(s) credited.
Fidelity has not been involved in the preparation, adoption or editing of such third party materials and does not explicitly or implicitly endorse or approve such content. Any opinions or recommendations expressed on third party materials are solely those of the independent providers, not of Fidelity.Fidelity is not responsible for any errors or omissions relating to specific information provided by any third party.
While Fidelity makes every attempt to provide accurate and timely information to serve the needs of users, neither Fidelity nor the Third Party Content providers guarantee its accuracy, timeliness, completeness, usefulness or any other aspect of the information and are not responsible or liable for any such content, including any advertising, products, or other materials on or available from third party sites. You will access and use Third Party Content at your own risk. Third Party Content is provided for informational purposes only, and Fidelity and the Third Party Content providers shall not be liable for any loss or damage arising from your reliance upon such information.
Internet Communication
Messages sent over the Internet cannot be guaranteed to be completely secure. Fidelity will not be responsible for any damages incurred by investors as a result of any delay, loss, diversion, alteration or corruption of any message either sent to or received from Fidelity at investors’ request, over the Internet. Fidelity is not responsible in any manner for direct, indirect, special or consequential damages arising out of the use of this website / application.Communication over the Internet may be subject to interruption, transmission blackout, delayed transmission due to Internet traffic or incorrect data transmission due to the public nature of the Internet or otherwise.
Fidelity does not represent or warrant that this website / application will be available and meet investors requirements, that access will not be interrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to investors computer system. Investors have sole responsibility for adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties. Fidelity makes no representations or warranties regarding the accuracy, functionality or performance of any third party software or service providers that may be used in connection with the site.
Intellectual Property Rights
Copyright, trade marks, database rights, patents and all similar rights in this site and the information contained in it are owned by Fidelity, its licensors or relevant third party content providers. Users may use the information on this site and reproduce it in hardcopy for their personal reference only. The information may not otherwise be reproduced, distributed or transmitted to any other person or incorporated in any way in to another database, document or other material. Any copy of materials which a user makes from the site must retain all copyright or other proprietary notices and disclaimers contained therein. Trade names referred to in this site are trade marks owned by or licensed to Fidelity or other content providers. Trade marks owned by Fidelity or providers of content on the site are used to act as an indication of source or origin of associated services. Nothing on this site should be considered as granting any licence or right under any trade mark of Fidelity or any third party, nor should a user attempt to use, copy adapt or attempt to register any similar trade marks to any trade marks or logos appearing on the website / application or in the Information herein.
Fidelity, Fidelity International, the Fidelity International logo and F symbol are trademarks of FIL Limited.
Third party marks appearing in this website / application are the property of their respective owners and used with the permission of such owners, where necessary.
Governing Law
These Terms of Use shall be governed by the laws of Hong Kong Special Administrative Region.
Languages
In case of discrepancies between the English and Chinese language versions of these Terms of Use and content of this website / application, the English version shall prevail.
What should you be aware of when buying life insurance
31 Jul 2026
The Fidelity Global Sentiment Survey1 shows that 7% of Hong Kong workers cite life and disability insurance protection as their most pressing financial needs. If you are the breadwinner in your family, you should consider your need for life insurance coverage.
1. Common types of life insurance in Hong Kong:
There are mainly three types of life insurance products in Hong Kong, according to the Investor and Financial Education Council:
Term life insurance: pays a lump sum upon your death if it occurs within the term of the policy.
Whole life insurance: generates a cash value and gradually growing non-guaranteed dividend during your lifetime. The policy will provide a lump sum benefit to your beneficiary upon your death. If you surrender your policy too early, the cash value and dividend recovered might not be sufficient to cover the amount of premiums paid.
Endowment policy: generates a cash value and gradually growing non-guaranteed dividend during the policy term. Some endowment policies even offer guaranteed dividends. The insurer will pay a lump sum on the agreed date if you survive or pay a death benefit if you die before that date. If you surrender your policy too early, the cash value and dividend recovered might not be sufficient to cover the amount of premiums paid.
2. Understand premiums
The premium of your life insurance is calculated by referencing various factors like age, health conditions, lifestyle choices (e.g., smoker, extreme sports enthusiast). These factors can affect the type of policy, coverage amount and your premiums.
If you are willing to give up a certain coverage amount, you may be able to lower your premium. The purchase of life insurance is a commitment over a long term with possible payment periods over 10 years, so you should consider if you can afford the payments over a long period.
3. Read the small print during cooling-off period
It is important for you to read the small print and make sure what is covered and not covered before you make a decision. Ask your insurer or insurance intermediary if you see something you don't understand.
It is required that new life policies come with a cooling-off period for policyholders to review the terms and conditions of their long-term insurance policies. The cooling-off period is normally 21 days. If you change your mind during this period, you can give a written notice to your insurer for a full refund of the insurance premiums.
1 The Fidelity Global Sentiment Survey was fielded to more than 38,000 working adults across 35 international markets. The sample consisted of respondents with the following qualifying conditions: aged 20-75, employed full-time or part-time and had a minimum income of: Australia: A$45,000 annually; China: RMB 5,000 monthly; Hong Kong: HK$15,000 monthly; USA: US$20,000 annually; Canada: CA$30,000 annually; UK: £10,000 annually; Mexico: $4,500 MXN monthly; Ireland: €20,000 annually; Germany: €20,000 annually; Netherlands: €20,000 annually; France: €20,000 annually; Italy: €15,000 annually; Spain: €15,000 annually; Japan: 1.5m yen annually; Brazil: R$9,266 monthly; India: ₹55,001 annually, Singapore: SGD$2,000 monthly; Denmark: 100,00 DKK annually; South Korea: 1m KRW monthly; Switzerland: 20 CHF annually; KSA: 4,000 SAR monthly; Sweden: 200,000 SEK annually; UAE 5,000 AED monthly; New markets surveyed in 2024: Argentina: ARS 3,000,001 annually; Chile: 3,000,001 CLP annually; Colombia: 7,000,001 COP annually; Kuwait: 6,000 KWD annually; Nigeria: 1,000,000 NGN annually; Philippines: P10,001 monthly; Poland: 20,000 PLN annually; South Africa: R20,000 annually; Thailand: 60,000 baht annually; Vietnam: 24,000,000 VND annually; Taiwan: NT$300,000 annually; Costa Rica ₡250k monthly.
The data collection, research and analysis for the above markets was completed in partnership with Opinium, a strategic insight agency. Data collection took place between September and October 2025. Reporting and analysis took place between November and December 2025. Not all regions were asked about sexual orientation or gender identities (individuals that did not identify as either male or female did not represent a statistically significant sample size and are not presented within this piece).
Understand Financial Wellness
Understand the definition and importance of being financial well
Determine your Financial Wellness
Assess your personal financial wellness with our easy-to-use tool
