"Every year receive 70,000, with an annual return of 6%." Social media platform suddenly has many famous insurance sales influencers from Hong Kong appearing.

Reporters have noticed that a large number of bloggers claiming to have high education backgrounds and work in asset management in Hong Kong have emerged on platforms such as Douyin and Xiaohongshu recently. They usually do not directly sell Hong Kong insurance products, but rather use the analysis of hot financial events to discuss the impact on wealth management, or use metaphors and vague methods to covertly promote products with annual returns of more than 6%. In the videos, they often attract customers with phrases such as "compound interest of 6%", "leveraging tenfold leverage", and "written into the contract", while the actual Hong Kong insurance products they sell have significant discrepancies in profit structure and redemption period. Behind this, a mature "star-making" industry chain has quietly formed. MCN agencies assist practitioners in attracting traffic in batches through rhetoric evasion and character packaging, and some top-selling teams achieve efficient conversions through a private domain traffic pool of thousands of people. Several industry insiders have warned that the model in which Hong Kong insurance sellers attract followers in batches on traffic platforms, and then convert them through private domains, harbors many legal risks. Packaging non-guaranteed income of Hong Kong insurance products as high-yield certainty in advertising may constitute false advertising. At the same time, cross-border insurance sales themselves are also subject to regulatory red lines and restrictions.