Wing Yau

Hi, I moved to the United Kingdom from Hong Kong since 2021 and now I am an UK resident, but I don't have a job in UK. I still on hand two “Life Saving Insurances” policies in Hong Kong, started from 2016 & 2018, all premium payments were completed before I moved to UK. Now I would like to surrender the policies and transfer all the money from Hong Kong to UK. My questions are: 1) Apart from taxation of gains (if there is any) on life insurance policies under HMRC Personal Tax - Self Assessment, any other taxation I need to take care of? e.g. Capital Gain Tax. 2) If such early surrenders are lost without any gain (i.e. final surrender amount is less than what the total premium paid), can I still possible to transfer the whole lot of money into UK legally? Any limitation on the amount be transferred in one time? 3) For such money transfer without tax paid (because of lost instead of gain), anywhere (in HMRC or others) I must report to before I transfer it into UK? Thanks and regards,