Life Insurance Application Procedures

In order to obtain protection under a life insurance plan an individual must make an application to the insurance company. This application is sometimes known as a proposal.

Each insurance company will have their own procedures in relation to applications for cover, all of which are designed to ensure that the individual, or individuals, asking for coverage is insurable. Understanding whether an applicant is insurable, and the terms on which coverage is provided, is extremely important as a Hong Kong life insurance plan cannot be changed once it is put into force.

A life insurance application is the tool the insurance companies use in order to determine how coverage if provided to an individual applicant, if coverage is even offered at all.

Writing application


Guidelines for Life Insurance Applications

Three very important guidelines exist when applying for life insurance coverage:

1. Answer all questions truthfully, providing explanations where needed.

2. Complete the form personally if you are able to do so. If someone helps you to complete your application make sure the answers provided are yours and not theirs.

3. Do not alter or amend the application. Any changes you make to your answers must be obvious and easily interpreted; signing and dating changes is also important.


In addition to ensuring that you are able to comply with the above guidelines all life insurance applicants should pay particular attention to ensuring accuracy in the following areas.

  • Policy commencement date: The day the coverage starts
  • Identity of application is proven: A copy of your ID Card or Passport is required.
  • Date of next birthday: Will influence premium and should be correct.
  • Life details of applicant: Should be doubled checked.
  • The documents are signed: and that all relevant parties have signed the documents.

Should the insurance company require additional documents it is important that these are also provided, as completely and accurately as possible.

  • Proof of insurable interest: If the life insured is not your own.
  • Supporting documentation: for any questions requiring further information.
  • Mode of payment: to ensure the premium is paid.
  • Customer Protection Declaration: to prevent “twisting.”


Free Life Insurance Advice in Hong Kong

If you would like receive assistance in completing a life insurance application, please contact the life insurance experts a CCW Global. Our advisors can help you to complete your insurance proposal forms accurately and within the guidelines of the insurance companies.


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