10Life Scoring Methodology

First-in-market Insurance Ratings with product analyses of 1000+ insurance products in Hong Kong. Fair and reliable with recognition from the insurance industry.
Frequently Asked Questions
What is the purpose of 10Life Insurance Ratings?

Consumers usually find insurance products difficult to compare due to their complex terms and conditions, and information from insurance companies are sales focused with no standard disclosures of important product details. 10Life adopts a standard set of criteria in evaluating and comparing insurance products, using ratings to increase the transparency and ease of comparison for consumers to make an informed choice.

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 updates its product information library through market research and communications with insurance companies. 10Life actuaries then evaluate and rate the insurance products based on the standardised scoring system. Product ratings and scores are publised on 10LIfe website for free access. 

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

10Life rates insurance products on factors that are important to consumers based on general scenarios. Factors which are difficult to quantify such as brand preference, reputation, service quality, ease of claims, etc cannot be reflected. We adopt objective analysis and may not cater for personal circumstances of individual consumers.

Will 10Life Rating Methodologies change?

To ensure fair product ratings, 10Life regularly reviews and updates the rating methodology of each product type based on the latest product features and market trends. Details of our rating methologies can be found on the 10Life website.

Would 10Life Ratings be biased towards certain insurance companies?

10Life's insurance rating process is professional, independent and unbiased. By understanding 10Life's rating methodologies, insurance companies can improve their products to achieve higher ratings and scores.

Can 10Life ratings and scores of different products be directly compared?

10Life scores and ratings within the same product category can be directly compared. However, scores and ratings of products from different categories cannot be directly compared due to the different rating models and scoring factors.


10Life Product Comparison and 10Life Insurance Ratings are developed by 10Life Financial Limited, an authorised insurance broker company licensed with the Insurance Authority under 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. 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 decisions to purchase any 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 and its subsidiaries 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 enquiries@10life.com.

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