When a loved one passes away, how do you check whether they had any life insurance policies? (Includes a contact list for over 60 insurance companies)

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If you lose your policy documents, you can also contact the insurance company.

First, whether purchasing life insurance or savings insurance, the insurance company may require the policyholder to state whether the beneficiary is "personal estate" or a named beneficiary, and a named beneficiary must specify their relationship to the insured, surname and given name. If there is more than one named beneficiary, percentages must be provided.

However, when the policyholder dies and relatives do not know whether they are the "personal estate" beneficiary or a named beneficiary, multiple procedures may be needed. First, check the deceased's belongings, for example whether there are premium receipts or insurance payment notices; clues can be found in emails, letters or documents. In addition, people typically keep policy documents with valuables, such as safes and bank safe deposit boxes, which successors can also try to search; or try contacting the deceased's insurance agent or broker.

If the above methods do not apply, and you are the executor or administrator of the estate, you can contact the insurance company by various means one by one, including phone, email, or in person, and the insurance company will usually require you to provide the following documents:

1. Death certificate
2. Deceased's Hong Kong Identity Card
3. Beneficiary's Hong Kong Identity Card
4. A copy of proof of the relationship between the beneficiary and the deceased insured, such as a birth certificate or marriage certificate

Keep your life insurance policy safe.

Because insurance companies may not necessarily know that the policyholder has died, they will not automatically pay beneficiaries. Therefore, it is best to keep the policy in a safe deposit box or other secure place. If appropriate, the policyholder may also give a copy of the policy to the executor of the will or to the beneficiaries to facilitate follow-up later.

In fact, some overseas examples of a “central claims” mechanism could be used as a reference for Hong Kong. Take Taiwan as an example: after a relative dies, descendants can check the deceased’s insurance status through the Life Insurance Association and must provide relevant supporting documents and information. In addition, Taiwan has a “One-Stop Service for Insurance Claims by the Deceased’s Relatives.” When registering the death at the household registration office, the deceased’s information can be simultaneously reported to the Life Insurance Association, which will then ask insurance companies to assist in the search; if there are policies, the insurers will proactively notify the beneficiaries to handle subsequent claims procedures.

Hong Kong actually has a similar organization composed of major insurers called the Hong Kong Federation of Insurers, but there is no information showing that it provides this service. If Hong Kong could introduce a similar one-stop service as described above, it could certainly give survivors greater peace of mind when handling the deceased’s assets.

Table 1: Contact List of Insurance Companies in Hong Kong

Insurance Company	Address	Contact Number	Official Website	Email Address
AIA Company Limited	Room 5301-03, 53/F, Hopewell Centre, 183 Queen's Road East, Wan Chai, Hong Kong	2832 1800	www.aia.com.hk	---
AIA Everest Life Limited	1/F, AIA Hong Kong Tower, 734 King's Road, Quarry Bay, Hong Kong	2232 8968	www.aia.com.hk	aiaeverest.customer@aia.com
AIA International Limited	1/F, AIA Hong Kong Tower, 734 King's Road, Quarry Bay, Hong Kong	2881 3333 2232 8888	www.aia.com.hk	---
American Family Life Assurance Company of Columbus (AFLAC)	Room 706, Hoi Tin Plaza, 68 Hing Man Street, Shau Kei Wan, Hong Kong	2573 3100	aflac.com	cs@aflac.hk
Asia Insurance Company Limited	16/F, World-wide House, 19 Des Voeux Road Central, Central, Hong Kong	3606 9933	www.asiainsurance.com.hk	mailbox@afh.hk
Assicurazioni Generali Società per Azioni	21/F, 1111 King's Road, Tai Koo, Hong Kong	2521 0707	www.generali.com.hk	info@generali.com.hk
AXA Insurance (Bermuda) Limited	20/F, One Island South, 28 Wong Chuk Hang Road, Wong Chuk Hang, Hong Kong	2802 2812	www.axa.com.hk	cs@axa.com.hk
AXA Financial Limited	20/F, One Island South, 28 Wong Chuk Hang Road, Wong Chuk Hang, Hong Kong	2802 2812	www.axa.com.hk	cs@axa.com.hk
AXA Life Insurance Company Limited	20/F, One Island South, 28 Wong Chuk Hang Road, Wong Chuk Hang, Hong Kong	2802 2812	www.axa.com.hk	cs@axa.com.hk
AXA Wealth Management (Hong Kong) Limited	20/F, One Island South, 28 Wong Chuk Hang Road, Wong Chuk Hang, Hong Kong	2802 2812	www.axa.com.hk	cs@axa.com.hk
Blue Cross (Asia-Pacific) Insurance Limited	29/F, Bank of East Asia Harbour View Centre, Phase 5, Millennium City, 418 Kwun Tong Road, Kowloon, Hong Kong	3608 2888	www.bluecross.com.hk	cs@bluecross.com.hk
Blue (Micro) Insurance Limited	30/F, One Kowloon, 1 Wang Yuen Street, Kowloon Bay, Hong Kong	3550 9600	www.blue.com.hk	enquiry@blue.com.hk
BOC Group Life Assurance Company Limited	13/F & 17/F, Units 1705-1712, 13/F and 17/F, 1111 King's Road, Taikoo, Hong Kong	2160 8800	www.boclife.com.hk	enquiry@boclife.com.hk
Bowtie Life Insurance Limited	1/F, Emperor Commercial Centre, 58-64 Queen's Road East, Wan Chai, Hong Kong	2152 0632	www.bowtie.com.hk	hello@bowtie.com.hk
The Canada Life Assurance Company	Units 2109-11, 21/F, Shui On Centre, 6-8 Harbour Road, Wan Chai, Hong Kong	2827 1288	---	hongkongserv@canadalife.com.hk
Canada Life Limited	22/F, Manulife Financial Centre, 223-231 Wai Yip Street, Kwun Tong, Kowloon, Hong Kong	2510 5600	www.manulife.com.hk	service_hk@manulife.com
China Life Insurance (Overseas) Company Limited	22/F, China Life Tower, 313 Hennessy Road, Wan Chai, Hong Kong	2545 8111	www.chinalife.com.hk	info@chinalife.com.hk
China Pacific Life Insurance (Hong Kong) Company Limited	Room 4307, 43/F, Central Plaza, 18 Harbour Road, Wan Chai, Hong Kong	3169 5500	life.cpic.com.hk	wecare@cpiclife.com.hk
China Taiping Life Insurance (Hong Kong) Company Limited	9/F, 18 King's Road, North Point, Hong Kong	2853 6333	tplhk.cntaiping.com	tplhk@tplhk.cntaiping.com
Chubb Life Insurance Limited	Royal Tower, 311 Gloucester Road, Causeway Bay, Hong Kong Chubb Life Building, 33/F	2881 0688	life.chubb.com/hk	Enquiries.HKLife@chubb.com
Cigna Global Life Insurance Company Limited	16/F, 348 Kwun Tong Road, Kwun Tong, Kowloon, Hong Kong	2539 9222	www.cigna.com.hk	enquiryhk@cigna.com
Desjardins Financial Security Life Assurance Company	Units 2109-11, 21/F, Shui On Centre, 6-8 Harbour Road, Wan Chai, Hong Kong	2851 0851	www.desjardinsfinancialsecurity.com	---
FPI International (UK) Limited	Room 803, One Kowloon, 1 Wang Yuen Street, Kowloon Bay, Hong Kong	3550 6188	www.fpinternational.com.hk	servicing@fpihk.com
FTLife Insurance Company Limited	15/F, Greenview NEO, 123 Hoi Bun Road, Kwun Tong, Kowloon, Hong Kong	2591 8888	www.ftlife.com.hk	ftlhk.mkt@ftlife.com.hk
Fubon Life Insurance (Hong Kong) Co., Ltd.	3/F, Rooms 301-303, 12 Taikoo Wan Road, Taikoo Shing, Hong Kong	2516 0111	www.fubonlife.com.hk	csservice.hk.life@fubon.com
FWD Life (Hong Kong) Limited	28/F, FWD Financial Centre, 308 Des Voeux Road Central, Sheung Wan, Hong Kong	2199 1000	fwdlife.hk	info.hk@fwd.com
FWD Life Insurance (Hong Kong) Limited	28/F, FWD Financial Centre, 308 Des Voeux Road Central, Sheung Wan, Hong Kong	2199 1000	fwdlife.hk	info.hk@fwd.com
FWD Life Insurance (Bermuda) Limited	28/F, FWD Financial Centre, 308 Des Voeux Road Central, Central, Hong Kong	2850 2333	www.fwd.com.hk	cs.hk@fwd.com
Generali Life (Hong Kong) Limited	21/F, 1111 King's Road, Taikoo, Hong Kong	2521 0707	www.generali.com.hk	info@generali.com.hk
Hang Seng Insurance Limited	28/F, Hangseng 113, 113 Argyle Street, Mong Kok, Hong Kong	2288 6699	www.hangseng.com	---
Heng An Standard Life (Asia) Limited	12/F, Lincoln House, Taikoo Place, 979 King's Road, Quarry Bay, Hong Kong	2169 0700	www.hengansl.com.hk	cs@hengansl.com.hk
Hong Kong Annuity Company Limited	19/F, Two Harbour Square, 180 Wai Yip Street, Kwun Tong, Kowloon, Hong Kong	2929 0188	---	cs@hkmca.hk
Hong Kong Life Insurance Limited	15/F, COSCO Tower, 183 Queen's Road Central, Hong Kong	2290 2888	www.hklife.com.hk	info@hklife.com.hk
HSBC Insurance (Asia) Limited	18/F, One HarbourFront, 1 Sham Mong Road, Kowloon, Hong Kong	2288 6688	www.insurance.asiapacific.hsbc.com	---
HSBC Life (International) Limited	18/F, One HarbourFront, 1 Sham Mong Road, Kowloon, Hong Kong	2288 6622	www.hsbc.com.hk	---
Liberty International Insurance Limited	13/F, Peak Building, 25 Hoi Bun Road, Quarry Bay, Hong Kong	2892 3888	www.libertyinsurance.com.hk	admin@libertymutual.com.hk
Lloyd's	Room 619, 6/F, Lee Garden Three, 1 Sunning Road, Causeway Bay, Hong Kong	2918 9911	www.lloyds.com	Joshua.Lynch@lloyds.com iris.cheung@lloyds.com
The Manufacturers Life Insurance Company	22/F, Manulife Financial Centre, 223-231 Wai Yip Street, Kwun Tong, Kowloon, Hong Kong	2510 5600	www.manulife.com.hk	service_hk@manulife.com
Manulife Life Insurance (International) Limited	22/F, Manulife Financial Centre, 223-231 Wai Yip Street, Kwun Tong, Kowloon, Hong Kong	2510 5600	www.manulife.com.hk	service_hk@manulife.com
Massachusetts Mutual Life Insurance Company	---	(1) 800- 767-1000	www.massmutual.com	webmaster@massmutual.com
Old Mutual Life Assurance Company (South Africa) Limited	Room 2402C, Two Pacific Place, 23 Harbour Road, Wan Chai, Hong Kong	3552 5860	www.oldmutual.com	contact@omhk.com.hk
Pacific Life Insurance Company	10/F, East Pacific Centre, 43-59 Queen's Road East, Wan Chai, Hong Kong	2876 0880	www.pacificlife.com.hk	plahk@pacificgroup.com.hk
Phoenix Life Limited	46/F, Jardine House, 1 Connaught Place, Central, Rooms 4603-4609, Hong Kong	2901 7329	www.thephoenixgroup.com/	compliancepolicyandguidance@thephoenixgroup.com
Principal International (Hong Kong) Limited	30/F, Millennium City 6, 392 Kwun Tong Road, Kwun Tong, Kowloon, Hong Kong	2263 0263	www.principal.com.hk	hkinfo@exchange.principal.com
Prudential Insurance Company Limited	59/F, One Island East, 18 Westlands Road, Quarry Bay, Hong Kong	2977 3888	www.prudential.com.hk	service@prudential.com.hk
Prudential Insurance Company of America	42/F, Gloucester Tower, Two Pacific Place, 15 Queen's Road Central, Hong Kong (Rooms 4202-4203)	3769 8200	www.prudential.com	fion.wong@pramerica.com
Quilter International Isle of Man Limited	Room 2402C, Two Pacific Place, 23 Harbour Road, Wan Chai, Hong Kong	3552 5888	www.quilterint.utmostinternational.com	QINTLaskhk@quilter.com
RL360 Insurance Company Limited	Room 803, One Kowloon, 1 Wang Yuen Street, Kowloon Bay, Hong Kong	3929 4333	www.rl360.com	hongkong@rl360.com
RL360 Life Insurance Company Limited	Room 803, One Kowloon, 1 Wang Yuen Street, Kowloon Bay, Hong Kong	3929 4333	www.rl360services.com	RL360ServicesHongKong@rl360.com
Scottish Widows Limited	6/F, Suite F, Cheung Fung Building, 128 Gloucester Road, Wan Chai, Hong Kong	2956 1288	---	ClericalMedicalHongKong@scottishwidows.co.uk
Sincere Life Insurance Limited	24/F, Jardine House, 1 Connaught Place, Central, Hong Kong	2577 7832	---	info@sincere-insurance.com.hk
St. James's Place International (Hong Kong) Limited	1/F, Henley Building, 5 Queen's Road Central, Hong Kong	2824 1083	www.sjp.asia	ihkcs@sjp.asia
Sun Life Hong Kong Limited	16/F, Cheung Shun Centre A, 18 Hung Luen Road, Hung Hom, Kowloon, Hong Kong	2103 8888	www.sunlife.com.hk	---
Tahoe Life Insurance Company Limited	19/F, 1111 King's Road, Taikoo, Hong Kong	3767 8777	www.tahoelife.com.hk	cs@tahoelife.com.hk
Transamerica Life (Bermuda) Ltd.	58/F, One Island East, 18 Westlands Road, Quarry Bay, Hong Kong	2506 0311	www.transamericalifebermuda.com	customerservicehk@transamerica.com
Utmost Worldwide Limited	24/F, Two Pacific Place, 23 Harbour Road, Wan Chai, Room 2402B, Hong Kong	2526 1899	www.utmostworldwide.com	HKGeneralEnquiries@utmostworldwide.com
Winbridge Life Insurance Limited	Room 1116-1118, 11/F, Shun Tak Centre, 168-200 Connaught Road Central, Sheung Wan, Hong Kong	2830 7633	www.wli.com.hk	lifeservice@wli.com.hk
YF Life International Limited	27/F, YF Life Insurance Building, 33 Lockhart Road, Wan Chai, Hong Kong	2533 5500	www.yflife.com	enquiry@yflife.com
ZA Life Limited	13/F, Cyberport 3, 100 Cyberport Road, Hong Kong	3665 3636	insure.za.group	Insure.cs@za.group
Zurich Assurance Ltd	25-26/F, Island East Centre, 18 Westlands Road, Quarry Bay, Hong Kong	2535 3500	www.zurich.com.hk	service@hk.zurich.com
Zurich International Life Limited	25-26/F, Island East Centre, 18 Westlands Road, Quarry Bay, Hong Kong	3405 7150	www.zurich.com.hk	helppoint.hk@zurich.com
Zurich Life Insurance (Hong Kong) Limited	25-26/F, Island East Centre, 18 Westlands Road, Quarry Bay, Hong Kong	2968 2383	www.zurich.com.hk	service@hk.zurich.com
Source: Insurance Authority

Further reading:
[Trust Funds] Overview of thresholds, types and fee standards for trust funds in Hong Kong

Note: This article was last updated on August 4, 2022.

This English version of this article has been generated by machine translation powered by AI. It is provided solely for reference purposes. In the event of any discrepancy or inconsistency between this translation and the original Chinese version, the Chinese version shall prevail.

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團隊成員由一群資料搜集員組成，主力保險相關資訊研究。

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Table of Content

A loved one has passed away — how can you check if they still had a life insurance policy? (Includes a contact list for over 60 insurance companies)

If you lose your policy documents, you can also contact the insurance company.

Keep your life insurance policy safe.

Table 1: Contact List of Insurance Companies in Hong Kong

Table of Content

Trending

Table of Content

A loved one has passed away — how can you check if they still had a life insurance policy? (Includes a contact list for over 60 insurance companies)

If you lose your policy documents, you can also contact the insurance company.

Keep your life insurance policy safe.

Table 1: Contact List of Insurance Companies in Hong Kong

Table of Content

Trending