Long-time lurker here. I want to contribute back with something useful!
I am a Canadian expat in a managerial position at AIA and have worked in this industry long enough to know all the ins and outs with respect to Hong Kong. Whether or not you believe you have met your needs in risk management, wealth protection/accumulation, MPF and retirement, it is important to take the time to give insurance a serious consideration.
Particularly for those who haven't given a lot of thought about insurance, or wonder what their existing coverage entails, feel free to fire away some questions!