Hong Kong’s insurance market is highly mature，Rich selection of insurance products，Attracting a large number of customers to Hong Kong for a long time to configure protection and asset management solutions。In the actual transaction process，客户通常会通过保险经纪人或保险经纪公司获取产品比较、Plan screening and insurance assistance。therefore，Hong Kong insurance brokerage companyIt has important commercial value in cross-border insurance services and customer asset allocation.。
The core role of insurance brokerage companies，Evaluate the coverage of different insurance products from the customer’s perspective、Cost structure and configuration adaptability，Assist customers to make more reasonable insurance arrangements。For companies planning to enter the insurance brokerage business in Hong Kong，You can choose to apply by yourselfHong Kong Insurance Broker License，也可以通过收购现成持牌公司快速切入市场。Due to the long license application period、Compliance requirements are higher、The overall cost is not low，In practice, we usually combine it with the customer's business plan，Evaluate whether to improve implementation efficiency by acquiring ready-made resources。
Transfer of resources by Hong Kong insurance brokerage companies
Currently we have the resources of three Hong Kong insurance brokerage companies，Can be based on customer budget、Matching contract requirements and transition arrangements：
- Allies + Prudential Contract，带 EC，High commission。quote：X million Hong Kong dollars。
- Allies + Prudential Contract，带 EC，low commission。quote：X300,000 Hong Kong dollars。
- No contract clear water brand，带 EC，Suitable for short term transition。quote：X200,000 Hong Kong dollars。
In addition to the above resources，We also have otherHong Kong insurance brokerage company transferproject，You can communicate over the phone or go to the company for an interview to learn more.。Different resources in the contract、commission、license plate status、There are differences in personnel arrangements and subsequent maintenance costs，It is recommended to complete due diligence before trading、Compliance verification and delivery arrangement design。
Hong Kong insurance broker license application requirements
如企业选择自行申请Hong Kong Insurance Broker License，Usually the following basic conditions need to be met：
- The applicant must be a company incorporated in Hong Kong，or an overseas company registered with the Hong Kong Companies Registry；At the same time, you should have the actual office address and company account.。
- Must have sufficient share capital。Insurance brokerage companies are required to maintain a minimum net asset value and minimum paid-up share capital of not less than HK$100,000 at all times.。
- Must have a compliant CEO。The number of CEOs is 1，and must be a full-time director or full-time employee of the company’s business in Hong Kong。
- Professional indemnity insurance required，and maintain adequate solvency reserves。The policy amount is not less than HKD 3 million，The maximum amount is HKD 75 million；The premium is generally about HK$10,000/year。
- At least one separate client money account must be established。Insurance brokerage companies must deposit client money into client bank accounts，And manage it separately from your own funds，Client monies may not be used for any purpose other than those of the relevant client。
Solvency Equivalence Assessment Arrangement between the Mainland and Hong Kong
The China Banking and Insurance Regulatory Commission recently issued the "Regulations on the Solvency Supervision of Insurance Companies - Questions and Answers No. 1"："Reinsurance counterparty default risk factors in Hong Kong during the transition period of the Solvency Supervision Equivalence Framework Agreement" (hereinafter referred to as "Questions and Answers")。
The "Answers to Questions and Answers" clarifies when direct mainland insurance companies cede reinsurance business to qualified reinsurance institutions in Hong Kong.，Credit risk factors that should be applied to solvency assessments。This arrangement will help promote the connection between the mainland and Hong Kong insurance markets under the solvency regulatory framework.，It also further reflects the important position of Hong Kong’s insurance market in cross-border insurance and reinsurance business。
About Hong Kong Xintong
GXT-HKComposed of professional teams from mainland China and Hong Kong，Focus on providing global company registration、Financial license application、Bank account opening、One-stop cross-border services such as tax financial planning and compliance consulting，Core covers Hong Kong MSO license、Hong Kong Insurance Brokers and Hong Kong Money Lenders Licenses、US MSB license、Hong Kong 149 license、9license plate，Helping enterprises to go overseas efficiently and compliantly，Steady global layout。
