Methodology
ZXB Insurance AI compares Hong Kong insurance products with normalized product, company, currency, issue year, and policy year data. The platform is designed for research and comparison, not individualized financial advice.
Dividend fulfillment ratio compares actual declared non-guaranteed benefits with values previously illustrated by an insurer. It helps users review historical fulfillment, but it does not predict future declaration levels.
Total cash value ratio compares the total projected or illustrated cash value against a reference premium or benefit basis. It is useful for comparing long-term value patterns across products, currencies, and issue years.
Company names, product names, product types, currencies, issue years, and policy years are normalized before display. Search and filters are URL-driven so the same comparison state can be shared and crawled.
Insurance illustrations can change, non-guaranteed values are not guaranteed, and product suitability depends on personal circumstances. Users should verify figures with official insurer documents before making a decision.