香港寿险销售创纪录 高净值人群增多推动

香港寿险销售去年增长50.6%,创下422亿美元新高,受富裕客户需求推动。瑞士再保险公司寿险与健康业务首席执行官保罗·默里表示,香港百万富翁增多及家族办公室设立增加是主要原因。香港无遗产税并提供税收优惠吸引了高净值家庭。

香港寿险业去年新单保费收入达422亿美元,同比增长50.6%,创历史新高。HSBC寿险首席执行官表示,此增长捕捉了亚洲 onshore 和 offshore 需求。

富裕客户持续在香港购买寿险,用于财富传承、保障和医疗需求。保罗·默里指出,近年来业务持续增长源于更多富人设立家族办公室,并利用寿险向下一代转移财富。

香港不征收遗产税,并自2023年起为单一家族办公室提供税收优惠,此举吸引了富裕家庭。香港货币金融研究所研究显示,截至2025年底,香港运营单一家族办公室超过3380个,过去两年增加约680个。

默里称:“香港百万富翁增多导致家族办公室增加,因其友好的司法管辖区、法治和低税制。他们视香港为继任规划理想地点,这推动了寿险销售增长。”

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