10Life review
Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026
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Our verdict
10Life is a comparison site, not an insurer, so it suits expats in Hong Kong who want to see travel, health, critical illness, life and home quotes side by side. It has traded since 2017 under an Insurance Authority licence, and claims go through an independent team.
Key facts
- Best for
- Comparing several Hong Kong family cover quotes in a single place as an expat.
- Insurance types
- Travel, Home, Health, Critical-illness, Life (Source, checked September 26, 2026)
- Provider type
- Comparison site (Source, checked September 26, 2026)
- Claims channels
- Independent claims team, Phone, Email, Whatsapp (Source, checked September 26, 2026)
- Legal entity
- 10Life Financial Limited (Source, checked September 26, 2026)
- Headquarters
- Hong Kong (Source, checked September 26, 2026)
- Founded
- 2017 (Source, checked September 26, 2026)
- Support channels
- Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)
- Audience
- Expats
- Official website
- 10life.com
Apps and profiles
- Elsewhere
- LinkedInyoutube.comfacebook.com
Pros and cons
Pros
- One place to see quotes across travel, home and health, which runs from travel and home to health, critical illness and life.
- Claims are handled by an independent claims team, reachable on independent claims team, phone and email.
- Help runs on email, chat and phone, so a question can go by phone, chat, email or the help centre.
- Built around expats, so newly arrived residents can set up cover in the market they now live in.
Cons
- As a comparison site rather than an insurer, the policy sits with the provider whose quote you take, which adds a step between you and the cover.
- Cover stops at the lines in travel, home and health, which leaves out auto, pet, motorcycle and landlord policies.
- Claims contact is narrower than general support, since independent claims team, phone and email does not include everything on email, chat and phone.
Who it suits
- People who have just moved to Hong Kong, since the stated audience is expats.
- Households shopping across more than one line, with travel, home, health, critical illness and life all listed under travel, home and health.
- Buyers who prefer to see providers side by side before deciding, which is what a comparison site is set up to do.
Who should look elsewhere
- Motor, landlord and home emergency cover seekers: Hiscox UK writes home, renters and landlord, none of which appear in travel, home and health.
- Pet and motorcycle cover seekers: Good Sam Insurance Agency lists auto, home and renters, a wider range than travel, home and health.
- Gadget and car cover seekers: EuroAsia Insurance sells auto, home and travel, while auto and gadget sit outside travel, home and health.
Safety and regulation
10Life is a comparison site, so the policies on the site sit with partner providers rather than with 10Life itself. The firm holds a licence from the Insurance Authority in Hong Kong, recorded as FB1526. Because the site arranges insurance rather than carrying the risk, that licence number is the quickest way to confirm who you are dealing with in the Hong Kong market.
Who runs it
The site is operated by 10Life Financial Limited, headquartered in Hong Kong and trading since 2017. Day to day help runs on email, chat and phone, so a question can go by phone, chat, email or the help centre. The firm works as a comparison site, and its Insurance Authority licence FB1526 is the reference point if you need to check it.
How 10Life compares
8.7 vs 9.4
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8.7 vs 9.0
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8.7 vs 9.3
8.7 vs 8.9
8.7 vs 8.9
8.7 vs 8.9
8.7 vs 9.3
8.7 vs 8.6- 8.7 vs 9.3
8.7 vs 9.3Max Life Insurance
8.7 vs 9.3
8.7 vs 9.3
8.7 vs 9.3
8.7 vs 9.2
8.7 vs 9.2
8.7 vs 9.2
8.7 vs 9.2
8.7 vs 9.2
8.7 vs 9.2
8.7 vs 9.1
8.7 vs 9.1
8.7 vs 8.9
8.7 vs 8.9
8.7 vs 8.8
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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 broker?+
It is a comparison site, and the legal entity behind it is 10Life Financial Limited. The policies come from partner providers rather than from 10Life itself, so the contract you sign is with whichever provider's quote you accept.
Who is 10Life built for?+
The stated audience is expats, people who have moved to Hong Kong and need cover arranged in their new market. Being based in Hong Kong keeps the quotes, the wording and the support in the same place the customer lives.
What types of cover can I compare?+
The range runs to travel, home, health, critical illness and life under travel, home and health. Auto, pet, motorcycle and landlord lines do not appear in that list, so anyone needing motor or pet cover would have to look at another provider.
Is the site regulated?+
It holds a licence from the Insurance Authority in Hong Kong, recorded as FB1526. As a comparison site, the firm handles the arranging and comparing side, while the cover itself is underwritten by the provider behind the quote.
How do claims work?+
Claims go to an independent claims team rather than the insurer's own desk, and that team is reachable on independent claims team, phone and email. General questions are handled separately through email, chat and phone, so the same channel is not carrying both kinds of enquiry.
How do I get help with a question?+
Support runs on email, chat and phone, so a question can go by phone, chat, email or through the help centre, depending on how quickly you need an answer. The same firm, 10Life Financial Limited, has traded since 2017.
How does 10Life compare with a provider that writes its own policies?+
A firm such as EuroAsia Insurance covers auto, home and travel in its own name, while 10Life, a comparison site, presents travel, home and health lines from several providers. The trade-off is choice of provider against having everything under a single roof.
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
Comparing several Hong Kong family cover quotes in a single place as an expat.