Sources: Official Documents and Pages Cited on This Site
The master list of official and authoritative sources cited by xiaopoxian.si, grouped into Singapore regulation and consumer protection, national schemes and CPF, tax, residence and banking, succession and trusts, Hong Kong, mainland China and secondary sources. Each entry lists organisation, title, date, link and use, with notes on primary versus secondary sources, items awaiting verification and the latest check date of 2026-10-24.
Type：SourcesUpdated：2026-10-24About 15 min read
How to use this page: source grades and dates
This page is the master list of sources for every figure and regulatory statement on xiaopoxian.si. Each entry gives the organisation, the title of the document or page, the date, the link, its main use on this site and its source grade. Most recent full check: 2026-10-24. Rules may change, and the organisation's latest documents prevail.
Dates are written in two ways. Where a document has a publication, revision or effective date, that date is given. Where a web page carries no date, "2026-10" is given, meaning the version this site accessed in October 2026. Where a web page shows a "last updated" date, that date is given.
Grade
Meaning
How it is cited on this site
Primary
Original text from regulators, government departments, industry associations or statutes
Quoted directly, with organisation and date
Mirror
A third-party hosted copy of a primary document
Marked "the latest version on the organisation's website prevails"
Example
A single insurer's public document, used to illustrate common practice or market size
Marked "an example from a single company only; rules differ between companies"
Secondary
A summary of a primary document by a law firm or the media
Marked "according to X", used only to indicate direction
Guidelines from the industry association (LIA) are self-regulatory industry standards, so this site describes them as "stated in LIA guidelines" rather than as legal requirements.
Singapore: regulation, consumer protection and dispute resolution
For Singapore dollar participating policies, the upper illustrated rate may not exceed 4.25% and the lower 3.00%, with the lower at least 1.25 percentage points below (from 2021-07-01)
Citizens and PRs born in 1980 or later covered automatically; S$689 a month for claims starting in 2026; payouts rise each year until 67 or a successful claim
Section 4: aged 21 or above; section 6: in writing, signed, with two witnesses present at the same time; section 10: gifts to a witness or the witness's spouse are void
Caps the customer's internal rate of return in the point-of-sale benefit illustration: 6.0% for HKD, 6.5% for non-HKD, from 2025-07-01; measured differently from LIA's illustrated investment rate of return in Singapore
Primary (the IA website returns 403 to automated access, so checked against the HKMA copy)
Hong Kong Monetary Authority (HKMA)
Illustration Rate Caps in Benefit Illustration for Participating Policies (circulating the IA circular)
Personal currency purchases may not be used to buy life insurance; dividends or interest from overseas life and investment-type, return-of-premium or participating insurance cannot be remitted into domestic accounts; accident and health insurance are current account items
Primary (branch information material)
State Administration of Foreign Exchange (SAFE)
关于印发《个人外汇管理办法实施细则》的通知（汇发〔2007〕1 号）(Notice issuing the Implementing Rules of the Measures for the Administration of Individual Foreign Exchange, Huifa [2007] No. 1)
Article 2: annual total for personal currency conversions and purchases of the equivalent of US$50,000 per person (now called the annual facilitation quota); Article 10: documents for converting foreign currency insurance receipts
Primary (full text reproduced on a branch website)
State Taxation Administration law database
中华人民共和国个人所得税法（2018 年修正）(Individual Income Tax Law of the PRC, 2018 amendment)
Reference for the scale of jumbo life insurance (sum assured, not premium); the website restricts automated access, so it can be cross-checked against reports with the same headline in trade media such as Asia Insurance Review on 2026-02-24
Regulatory benchmark for referral fees on Hong Kong participating policies at 50% of total commission (IA circular of 2025-09-01, to be complied with from 2025-10-01)
Secondary
DLA Piper
Hong Kong Insurance Authority Issues Practice Note on Remuneration Structures and Commission Spreading for Participating Policies
CKA and CAR to be merged, "Specified Investment Products" renamed "Complex Products", CKA removed for transactions with adviser recommendations; transitional period awaiting a separate MAS consultation
Secondary
Items awaiting verification and how they are checked
This site has not yet obtained verifiable original texts for the following items, so they are described only qualitatively in the text and do not appear as specific figures:
Standard disclosure for premium financing in Singapore: Singapore has no mandatory standard disclosure document similar to Hong Kong's IFS-PF, while MoneySense provides consumer warnings on universal life policies paid for with borrowed money. The text says "approved independently by the lender under its credit policy; the loan agreement governs", with the HKMA's Important Facts Statement in Hong Kong as a reference.
Other asset-based criteria for Accredited Investors (such as the cap on counting the primary residence and the net financial assets test): section 4A of the Securities and Futures Act in its current form prevails.
Fees charged by LPA certificate issuers: set by each certificate issuer, with the latest information from MSF / the Office of the Public Guardian prevailing; the formal requirements for wills now cite the original text of the Wills Act 1838 on SSO.
Tax treatment of employee benefit premiums: current IRAS rules and the company tax adviser's advice prevail.
The Hong Kong Insurance Complaints Bureau's (ICB) jurisdictional limit and the legislative progress of Hong Kong's PPS: for the former, the ICB website prevails; for the latter, as at 2026-10 there is no public record of a bill having been introduced into the Legislative Council, and announcements by the Legislative Council and the IA prevail.
Individual income tax treatment of overseas policies held by mainland residents: there is no specific statement from the State Taxation Administration, so consult a mainland tax professional.
When CareShield Life cover starts for new PRs, and the percentages of the CPF graduated rates: the CPF Board's current pages and rate tables prevail.
How sources are checked: each time a page is updated, the links in the tables above are opened to check figures and dates. When an organisation updates its page, the latest version replaces the old one and the "most recent check" date on this page is revised. Where this site differs from an organisation's original text, the original text prevails.
