Why does Hong Kong insurance become the standard for middle-class and high-net-worth customers?

Let me analyze it this way: for the middle class, insurance is more important for its basic function, that is, to ensure that the middle class can provide a guarantee for their families and bodies when they are most energetic. On the other hand, for high net worth people, insurance is more of an extension, such as tax avoidance or pre-distribution of his property by using the characteristics of Hong Kong insurance trust.