Participant Accounts
What People Say After the Courses
Accounts from those who have attended, in their own words — edited only for length and without embellishment.
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Course Completions
4.8
Average Rating / 5
92%
Would Recommend
6+
Years Running
From Participants
I had held the same whole-life policy since my late twenties and honestly could not have explained what it provided if asked. After the Fundamentals course I understood exactly what I was paying for — and realised I had been confusing the savings element with actual protection. That distinction alone was worth coming for.
Margaret Wong
Mid-Levels, HK · March 2026
The Policy Review Workshop was genuinely useful. I came in with six policies accumulated across two employers and various life stages, and left with a clear picture of what overlapped and where I had gaps. The process of requesting documents from the insurer was something I had never done — I had no idea that was even possible.
Richard Ho
Kowloon Tong, HK · February 2026
I was sceptical going in — I had sat through insurance presentations before and found them tedious. This was different. There was no selling, no pressure, and the facilitator was willing to say "that question belongs with a regulated adviser" when the limit of the course's scope was reached. That honesty was refreshing.
Angela Lam
Sai Ying Pun, HK · January 2026
The ten-week programme was a considerable time commitment but I do not regret it. The module on how medical insurance changes in value as you age was something I had not considered properly, and the section on estate liquidity prompted a conversation with my solicitor that I should have had earlier. I left with a document I can actually use.
Philip Chan
Discovery Bay, HK · December 2025
My husband and I attended the Fundamentals course together, which I would recommend — it meant we had a shared vocabulary when discussing our coverage at home afterwards. The section on critical illness triggers was particularly valuable; we had assumed coverage applied in circumstances where the policy documents showed otherwise.
Elaine Yuen
Tai Po, HK · November 2025
The group format was something I approached cautiously — I did not want to share financial details in front of strangers. In practice, the facilitator managed the balance well: general questions were discussed together, and anything personal stayed between the participant and their own documents. It was handled with care.
David Mak
Tuen Mun, HK · March 2026
Participant Journeys in Detail
Realising an Old Policy No Longer Fit
The Situation
A 52-year-old participant held a savings-linked whole-life policy taken out in her mid-30s and had continued paying premiums without reviewing the current surrender value or the remaining protection element.
What the Course Provided
The Policy Review Workshop guided her through requesting a current policy illustration from her insurer. Working through it in the session, she identified that the protection element had reduced significantly while the premium had not.
After the Course
She left with a structured set of questions to bring to a licensed adviser regarding the paid-up option and its implications — something she had not known to ask about before attending.
Understanding What Critical Illness Cover Actually Covered
The Situation
A couple in their late 40s had purchased critical illness cover five years earlier and believed it would pay out for any serious illness. A family member's claim had been declined, prompting them to enrol in the Fundamentals course.
What the Course Provided
The session on critical illness cover explained diagnosis trigger requirements, waiting periods, and the distinction between standard conditions and early-stage cover — concepts not made clear at the point of sale.
After the Course
They could read the conditions schedule in their own policy accurately, identify where their assumptions had differed from the actual terms, and approach their adviser with specific, informed questions.
Connecting Insurance to a Retirement Timeline
The Situation
A 55-year-old participant planning to retire at 62 wanted to understand how his current medical coverage would function once he was no longer covered through an employer group scheme.
What the Course Provided
The ten-week programme covered the transition from group to individual medical cover, how underwriting at conversion works, and the timing considerations around maintaining continuous coverage into later life.
After the Course
He left with a written coverage plan identifying his transition risks, the decisions he needed to make before leaving employment, and the timeline by which those decisions should be addressed.
Credentials and Standing
Contributing Programme Recognition
Recognised by the Hong Kong Council on Adult Education as a contributing programme in financial literacy education (2023).
Professional Network Membership
Member of the Financial Educators Network Asia-Pacific since 2022. Affiliated with the Adult Learning Institute of Hong Kong.
Actuarially Reviewed Content
Course materials are reviewed annually by a Fellow of the Institute and Faculty of Actuaries with Hong Kong market experience.
Interested in Attending?
We are happy to answer questions about the courses and help you decide whether they would be useful at this point in your thinking.
Email: [email protected] · 19/F Central Plaza, Wan Chai