43% Year on year growth in Q1 2025 - Biggest jump in a decade.

US$65B 2025 Market size forecast

Short-term sugar rush or long-term trend?

The Cross-Border Gold Rush

Heavy Cross-border shoppers:

• Mainland Chinese (CNY weakening vs HKD)

• Middle Eastern (Arabic policy document option coming)

• Southeast Asian buyers chasing returns & currency stability.

Wealth planning:

• Estate planning, whole of life product (66% of market) & pension demand soaring.

Boom or Bubble?

• Structural Strengths: Ageing population, wealth-hub status, cross-border integration.

• Reality Check: Pent-up reopening demand might fade — growth likely to slow but remain strong (expected +3.3% CAGR to 2029).

Singapore Plays the Long Game

• Life premiums up 20% in 2024; Q1 2025 up 11%.


• Less cross-border buying — growth driven by retirement & wealth planning needs.


• A steady jog, not a Hong Kong sprint.

Two Markets, Two Playbooks

Speed-to-market, digital distribution & AI-driven insights = edge.

• 🇭🇰 Hong Kong: Shows the payoff when you’re ready for demand.
  
  

• 🇸🇬 Singapore: Shows the power of consistency.

Your Turn to Spot the Next Boom
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