Wealth Management

Our Services

1. Personal Accident Insurance

  • Compensation varies by product (one-off compensation payments, reimbursement of medical, hospitalization and treatment expenses, and the like.)
  • Varies based upon the occupation of the insured party
  • Subject to annual renewal

2. Life Insurance

  • Protection for loved ones in the event of the insured party's demise
  • Classification including whole-life insurance, term life insurance and universal life insurance
  • Variety of fixed instalment periods, ensuring flexible cash flow with policy loan amounts while dividends increase the policy's cash value
  • Premium financing services:
    ◾ Premium financing arrangements to obtain bank loans to pay premiums
    ◾ Financial flexibility in premium payment with life insurance protection
    ◾ Classified as a loan product involving debt with variable interest rates

3. Critical Illness Insurance

  • One-off cash payment as financial protection to the insured party in the event of a diagnosed critical illness
  • Insurance companies may cover less critical illnesses such as carcinoma in situ, paying 10-20% of the insurance sum

4. Medical Insurance / Voluntary Health Insurance Scheme

  • Shares costly medical expenses with client
  • Including hospitalization, surgical, and other medical (non-surgical) expenses

5. Participating Insurance

  • Offers both “protection” and “dividends” to the insured party
  • Benefits from investment performance of the insurance company, in addition to the insurance protection offered by the policy
  • Provides clients with advantageous, long-term, stable investment returns

6. Annuity / Deferred Annuity

  • Classified as immediate annuity or deferred annuity, annuities are for retirement planning, converting accumulated savings into stable income over a certain period of time
  • Immediate annuity policies have no accumulation period and serve a stable value-added purpose. Policyholders receive regular monthly annuity income after making a one-off premium payment
  • Deferred annuity policies have an accumulation period and an annuity payment period. During the accumulation period, policyholders can pay premiums in a lump sum or periodically, allowing their funds to accumulate interest during that period