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10Life review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

10Life is a comparison site built for expats in Hong Kong, letting readers weigh travel, home, health, critical illness and life policies side by side. It holds an Insurance Authority licence under FB1526, and each quote comes from the insurer being compared rather than from one house provider.

Key facts

Best for
Comparing several Hong Kong policy types side by side in one search.
Insurance types
Travel, Home, Health, Critical-illness, Life↗
Provider type
Comparison site↗
Claims channels
Independent claims team, Phone, Email, Whatsapp↗
Legal entity
10Life Financial Limited↗
Headquarters
Hong Kong↗
Founded
2017↗
Support channels
Email, Chat, Phone, Help-centre↗
Audience
Expats
Official website
10life.com

Facts checked September 26, 2026, 4 sources

Apps and profiles

Elsewhere
LinkedInyoutube.comfacebook.com

Pros and cons

Pros

  • Range covers travel, home, health, critical illness and life, set out in travel, home and health.
  • Support runs on email, chat and phone, so phone, chat, email and the help centre are open.
  • Claims go to an independent claims team on phone, email or WhatsApp (independent claims team, phone and email).
  • Quotes come from several providers because it works as a comparison site.

Cons

  • As a comparison site, the policy contract sits with the insurer behind each quote rather than the site.
  • Auto, pet and gadget risks are not among its travel, home and health, so those quotes end elsewhere.
  • The stated audience is expats, so the panel is aimed at a narrower group than all residents.
10Life

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Scored 8.7 / 10 by SumCue.

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Who it suits

  • Expats in Hong Kong weighing travel, health, home, critical illness and life cover in travel, home and health.
  • People who want a named contact on a claim, since independent claims team, phone and email lists an independent claims team.
  • Readers who prefer several providers at once, which is what a comparison site is built to show.

Who should look elsewhere

  • Life cover from a single provider: Linxea lists life on its own.
  • Auto and gadget cover in a Spanish market: Oney Préstamos ES lists health, life and gadget.
  • Auto risks alongside home and travel: EuroAsia Insurance lists auto, home and travel.

Safety of your money

10Life is a comparison site: it sets policies from other providers side by side rather than underwriting cover itself. Its Hong Kong licence from the Insurance Authority is FB1526, which is what lets it show quotes to residents. Because the site only arranges the comparison, the insurer behind each quote is the party that carries the risk and holds your money.

Who runs it

10Life is run by 10Life Financial Limited, registered in Hong Kong and trading since 2017. It appears on the Insurance Authority register under FB1526. Support runs through email, chat and phone, so a question reaches a person by chat, phone, email or the help centre, and the same company answers for each policy it lists, whichever provider the quote came from.

How 10Life compares

Where 10Life is available

Available
Hong Kong
Licence in Hong Kong
Insurance Authority (FB1526), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

Is 10Life an insurer or a comparison site?+

10Life is a comparison site, so it puts policies from several providers side by side rather than underwriting cover itself. The legal entity behind the service is 10Life Financial Limited, and the contract you sign at the point of purchase sits with the insurer being compared.

Is 10Life regulated in Hong Kong?+

Yes. 10Life holds a Hong Kong Insurance Authority licence, FB1526, and the site is registered in Hong Kong. Since it works as a comparison site rather than as the risk carrier, its own licence and the insurer behind each quote are two separate checks to make.

Which kinds of insurance can I compare?+

The range runs to travel, home, health, critical illness and life, set out in travel, home and health. That mix suits people who hold more than one policy, so a single pass through the site can cover a holiday, a health plan and a home policy together.

Who is 10Life built for?+

The stated audience is expats, and the policy list in travel, home and health matches that group's needs. People who live away from their home market often need travel, health and home cover at once, which is the comparison this site is set up to make.

How do I make a claim?+

Claims are handled by an independent claims team, listed under independent claims team, phone and email and reachable by phone, email or WhatsApp. Keeping that team apart from the sales side means the conversation runs with the people who handle the policy rather than with a sales contact.

How do I get help before I buy?+

Support runs on email, chat and phone, so chat, phone, email and the help centre are all open routes for a question. The company answering those enquiries is 10Life Financial Limited, registered in Hong Kong, so one name sits behind the site and the service.

How long has 10Life been trading?+

It has traded since 2017 from a base in Hong Kong, with the site operated by 10Life Financial Limited. Its registration with the Insurance Authority in Hong Kong is FB1526, which is worth weighing against the newer comparison services in the market.

Sources

  • 10life.com checked September 26, 2026

    Backs: Support channels

    “查詢: enquiries@10life.com 電話: (852) 3705 1599 WhatsApp查詢 立即WeChat查詢 常見問題 /faq”

  • 10life.com/about-us checked September 26, 2026

    Backs: Claims channels, Founded

  • 10life.com/en/faq checked September 26, 2026

    Backs: Provider type, Headquarters, Legal entity, Licences

    “10Life is the largest insurance comparison platform in Hong Kong with over 1000 insurance products from almost 50 insurance companies.”

  • 10life.com/en/products/travel checked September 26, 2026

    Backs: Insurance types

    “Travel Insurance, Home Insurance, Domestic Helper Insurance, Personal Accident Insurance, VHIS & Tax Deductible, Medical Insurance, Term Critical Illness Insurance, Whole Life Critical Illness...”

  • 10life.com/zh-CN/hong-kong-insurance checked September 26, 2026

    Backs: Audience

    “港漂专区 (Drifter Zone)”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Premium from, Monthly payments.

10Life

10Life

Comparing several Hong Kong policy types side by side in one search.

8.7/10See alternatives