Frequently Asked Questions
What is the purpose of 10Life Insurance Ratings?

Insurance products are complicated, with complex product details and terms. The marketing materials of insurance companies are sales focussed and lack standardised disclosures of important product information, making it difficult for consumers to compare products. 10Life sets a unified scoring standard to compare insurance products. The scores and rankings enhance the transparency in insurance, making it easier for consumers to compare products and make decisions.

How does 10Life collect insurance product information?

To cover as many products in the market as possible, 10Life collects product information from various sources, including but not limited to official websites of insurance companies, licensed insurance advisors (including agents and brokers) and directly from insurance companies.

What is the process of 10Life Insurance Ratings?

10Life regularly collects product information from the Hong Kong market, while some insurance companies provide us with new product information and product updates. 10Life actuaries then analyse the insurance products and produce the scores based on the specific scoring methodologies by product category. 10Life Insurance Ratings are published on the 10Life website and updated regularly for free access to consumers.

Are all factors important to consumers already reflected in the 10Life Insurance Ratings?

10Life rates insurance products based on factors that matter the most to the consumers. However, when choosing insurance products consumers need to consider many aspects. 10Life Insurance Ratings do not take into account unquantifiable factors such as brand preference, market share, reputation, service levels, ease of claims, etc.. In addition, the scores are based on generic cases which are for reference only, and individual consumer needs have not been considered.

Will the 10Life Scoring Methodologies change?

The 10Life scoring methodologies are publicly accessible on the 10Life website. 10Life actuaries review and update the methodologies regularly based on the relevant product features and overall market standards, to ensure the scores remain reasonable for the different product categories.

Are the product scores and rankings biased towards any insurance companies?

The 10Life product scoring process is professional and independent, without favouring any particular insurance companies. Insurance companies can understand the scoring methodologies and enhance their product standards accordingly to improve their product scores.

Can the 10Life product scores be compared directly?

For the same product category, 10Life product scores can be compared directly. For different product categories, due to differences in the scoring factors and calculation models, the scores cannot be compared directly.


10Life Product Comparison and 10Life Insurance Ratings are developed by 10Life Financial Limited, an authorized insurance broker with Insurance Authority License Number FB1526. 10Life Product Comparison and 10Life Insurance Ratings are developed for generic customer segments using mathematical calculations based on product information, facts and data, and are not influenced by any partnerships with or fees received from insurance companies.

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 and should not be constituted as any insurance, financial, investment or other professional advice or solicitation to buy 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. You should only rely on information authorized by insurance companies and/or seek independent advice from licensed intermediaries before purchasing any insurance products or making any insurance decisions. While best 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 arising from using 10Life Information or for any claims and/or losses caused thereby, and no warranty or guarantee is made on the accuracy, completeness and timeliness of the information.

If you have any questions on 10Life Product Comparison and 10Life Insurance Ratings, please email us at

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