Core Viewpoint - The article emphasizes the importance of long-term commitment in the insurance industry, highlighting the need for trust and reliability in both insurance companies and agents, particularly in the context of Hong Kong's insurance market [1][6][7]. Group 1: Drivers of Hong Kong Insurance Market - The Hong Kong insurance market is driven by three core factors: global service attributes, investment advantages in the capital market, and the evolving awareness of clients regarding wealth management [2]. - Hong Kong's insurance services cater to a global clientele, distinguishing it from single-market insurance products [2]. - The investment landscape in Hong Kong offers a wide range of options, enhancing the value of insurance funds, supported by its unique position connecting mainland China and the global market [2]. - The proliferation of social media has diminished information barriers, leading clients to seek better asset allocation tools [2]. Group 2: Choosing Insurance Agents - When selecting an insurance agent, it is recommended to first choose the platform, then the agent, and finally consider the overall service provided [2]. - The longevity and reliability of the insurance platform are crucial, with established companies like Prudential being more trustworthy due to their historical performance [3]. Group 3: Understanding Dividend Insurance - Clients often prioritize high returns in dividend insurance, but it is essential to balance this with an understanding of associated risks [4]. - The dividend realization rate is a key metric for clients, but it should not be viewed in isolation; both the numerator (actual payout) and denominator (expected payout) must be considered [4][5]. - Clients are encouraged to focus on the long-term performance and reliability of the insurance company rather than short-term gains [6]. Group 4: Key Criteria for Reliable Insurance Companies - Three critical standards for assessing the reliability of an insurance company include longevity (preferably over 100 years), strong performance, and substantial asset management capabilities [5]. - A trustworthy insurance company should transparently disclose investment situations and historical data, ensuring clients can verify performance over time [5]. Group 5: Long-term Commitment in Insurance - The article stresses that insurance is not a short-term investment but a long-term financial planning tool, often spanning decades [6]. - The focus should be on companies that have demonstrated resilience through financial crises and can provide ongoing service and support [6]. - Trust in both the insurance company and the agent is paramount, with a preference for those who adopt a long-term perspective in their service approach [6][7].
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