What do I need to consider?

Life insurance is only 1 of the element in the Financial Planning Pyramid. To well protect you & your family, the plan should consist of health protection (medical expenses, critical illness), accident protection & life protection.

If client only have life insurance, he or his family may need to use their reserves if he onset major disease that need to spend over $100,000 for taking operations. Financial planning for the whole family will be seriously affected.

As a professional financial adviser, I suggest you to consult an financial planner before applying any insurance. If need, you can directly contact me for free advice.

Metlife is an insurance firm that founded in USA. However, the company only provide limited range of products for HK market. If you want to tailor-made a comprehensive plan to meet your protection needs, it may not be a good choice for you. Besides, majority of Metlife business in HK rely on tele-sales, you may need to communicate with customer services directly. Without the assistance of agent, you may encounter difficulties when claim is needed.

Met Life 中文係美商大都會人壽，這間公司在香港規模不算很大，主要是靠 outbound call（外判），亦即是公司沒有 agents。他們外判的主要是住院現金、住院等極少數的保險計劃。
買保險跟買其他物品不同，除了要比較價錢，亦需要比較保障內容。例如住院計劃，入院天數，有些公司要入院滿１２小時才算一天，有些只需滿６個小時便計算一天。有些公司需要客人入院做手術才獲得賠償，但有些公司可以容許客人到坊間的診所做小手術，亦可以獲得賠償。
又例如危疾保險，大多數公司的危疾保的等候期為９０天，但有些公司的危疾保險的等候期只需６０天便可。
危疾保險中的通波仔手術，大多數公司都有這項賠償，但不講不知很多人以為只要做通波仔手術，便有得賠償，殊不知卻因為不符合保險公司的規定而不獲賠償。坊間大多數保險公司都需要客人心臟的動脈血管閉塞至某個％，才可以賠錢，但有些公司卻只需要有專業醫生建議要做手術便可以賠償。
有些公司的危疾保，保障項目只有４／５０項，但有些公司卻高達６／７０項。所以除了比較保費之餘，還需要比較保障內容和條款。

You need to consider a good agent who can analysis what you need and provide solution.

保險第一樣係你既身後事家人既支出,同

睇你係唔係家庭中最重要既收入來源

如果當你身固既時候,屋企人會唔會因為停左收入而有困難,

你買左保險的話,就如電視廣告所講,係留比家人既一份心意

你要問下你個顧問應該買幾大 咁當然,要自己有能力供

不過大都會"?

佢地D顧問會唔會係你有事既時候會出現係你面前幫你搞COMP

定係要自己家人傷心之餘仲要自己走上去間公司度自己搞COMP???

我覺得買任何保險都好....最重要係個顧問係咪FREE住咁跟你

如果好似銀行個D....有事要自己走去公司搞....仲要係就佢地既辨工時間.....

我覺得咁其實搵自己笨 , 但多數保險公司既顧問都當你有時既時候會出現係你面

前幫你搞好哂D COMP 你只係負責簽名, 唔洗自己煩

因為我唔知大都會係銀行式定保險公司式既運作 所以你睇清楚