10Life – Your Insurance Decoder

About 10Life.com

10Life is one of the largest insurance comparison platforms in Hong Kong, providing product ratings and professionally curated education content. It covers mainstream insurance products in the market including savings, medical (including VHIS), critical illness, annuities and life insurance.

Actuaries, insurance product experts, medical consultants and legal advisors from 10Life apply their professional knowledge to analyse insurance products from various angles. 10Life compares more than 500 insurance plans from over 40 insurance companies in Hong Kong, reviewing their coverage and terms based on standardised and public methodologies to arrive at product scores and ratings.

On the 10Life Platform (website and mobile app), users can make instant enquiries with licensed insurance intermediaries online or connect directly to insurers on the insurance company websites, making insurance more transparent, simple and convenient.

Any information on 10Life Platform ("10Life Information"), including but not limited to Product Comparison, Product Ratings, Blog Articles are intended for general education purpose and reference only.

None of the 10Life Information is intended, nor should they be considered or relied upon, as regulated advice, insurance, financial, investment or professional advice, recommendation, approval, endorsement, invitation or solicitation in respect of any insurance, financial or investment products. 10Life Information does not take into account your individual needs.

Reading 10Life Information should not be considered as conducting a suitability assessment, and is not sufficient to form the basis of any decision to purchase insurance products. You should rely on information authorised by insurance companies, carry out your own research and/or seek independent advice from licensed intermediaries before purchasing any insurance products or making any insurance decisions. While reasonable effort is used when collecting, validating and updating 10Life Information from various channels, none of 10Life Group and its subsidiaries, affiliates, agents, directors, officers and employees will be responsible for any liability, claim or loss arising from or associated with you using 10Life Information. No warranty, representation or guarantee is given by 10Life Group on the accuracy, completeness and timeliness of the information.

10Life’s Mission – Empowering people to get the right insurance
Many insurance products are complex and sales advice is often driven by commission, making it difficult for consumers to understand the details and get the right insurance. 10Life is committed to the rights and interests of insurance consumers. By providing easy to understand insurance education and making the public aware of the breadth of insurance products available, 10Life empowers consumers to get the right insurance:

  • Provide education on complex insurance product features and terms, reducing the risk of consumers falling into insurance traps.
  • Implement a scoring standard that is regularly updated to keep pace with market product levels, encouraging insurance companies to launch more competitive and consumer focused products.
  • Act as the consumers' voice to insurance companies and regulatory bodies on insurance industry issues.

More than 2.0 million annual active users

Many people in the insurance industry have said insurance cannot be compared. 10Life firmly believes in the possibility of comparing insurance products and that consumers should understand insurance products before getting insured.

Since 2016, 10Life has been adhering to its mission, setting insurance product rating standards based on factors that matter most to consumers, gradually gaining public recognition. The 10Life Platform now has over 2.0 million annual active users, and continues to make every effort to provide users with professional information and valuable services.

How 10Life differs from other platforms

With advancing technology, many digital financial product comparison platforms have emerged in Hong Kong, but very few focus on insurance. 10Life is committed to educating consumers and decoding insurance products for consumers. It outperforms in the following:

10Life Other platforms
Insurance specialist
Professional and in-depth insurance information
  • Many include different financial products, mainly credit cards and loans
  • No insurance ratings or scores
  • Most compare general insurance, with limited or no life and medical insurance
Insurance ratings
Adopt a standardised and public rating methodologies to calculate insurance product scores
Life insurance focus
Covers complex insurance product types including with profit savings, medical, critical illness, annuities, etc.

10Life Insurance Ratings are free from commercial influence

10Life compares various types of insurance and prices of each product. The rating methodology for each product type is designed by 10Life Financial Limited, which is an authorised insurance broker company by Insurance Authority in Hong Kong. The 10Life rating methodology is standardised and public, with product scores and ratings calculated based on the coverage of each product under specified hypothetical scenarios. The 10Life Product Comparison and Insurance Ratings are based on factual data and are not influenced by any partnerships with or fees received from insurance companies.

About 10Life Group Limited and its subsidiaries

10Life Group Limited ("10Life Group", incorporated in Hong Kong under company number 2366460) invests in insurtech companies. 10Life Hong Kong Limited ("10Life HK", incorporated in Hong Kong under company number 2389344) and 10Life Financial Limited ("10Life Financial", incorporated in Hong Kong under company number 1154750) are wholly owned subsidiaries of 10Life Group Limited.

10Life Financial is an authorised insurance broker company licensed with the Insurance Authority with License Number FB1526. The business of 10Life Financial includes operating 10Life Platform and arranging insurance policies and services for its clients. 10Life Financial receives remuneration from insurance companies for arranging insurance contracts for its clients. 10Life Financial may also receive service fees from 10Life HK or other third parties for providing services on 10Life Platform.

10Life HK provides technology, research and marketing services to insurance companies, intermediaries and other corporate clients. 10Life HK may receive remuneration for services to its clients, which may have products and services listed on 10Life Platform. 10Life HK may also receive remuneration for IP licensing and technology services provided to 10Life Financial.

10Life Group and 10Life HK are not insurance companies, agents or brokers and do not carry on an insurance business. Any activities on the 10Life Platform that may be associated with operating an insurance comparison website or constitute regulated insurance activities are carried out by 10Life Financial in its capacity as a licensed insurance broker.

Accessing and using content, data, or any services through 10Life Platform constitute your consent to us receiving the above mentioned remuneration.

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Nik, Leung Tsz Kei


10Life Financial Manager, Insurance Specialist


Jack, Ng Wai Lap


AXA Unit Manager


Arthur, Law Wing Kai


10Life Financial Manager of Business Development


Winnie, Ng Wai King


FTLife Agency Manager


Even, Shum Miu Chu


恆泰 高級理財顧問


Philip, Lee Hon Lun


YF Life Branch Manager


Tony, Yeung Chun Fung


FWD Life Wealth Planner


Mabel, Siu Sin Wan


FTLife Wealth Management Director


Edward, Lam Wing Chuen


Convoy Senior Wealth Management Advisor


Noble, Suen Chit Yuen


AIA Associate Director, Wealth Management and Protection


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