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Insurance is one of our core businesses; we have a full Insurance Intermediaries license and MPF Principal Intermediaries license issued under HKIA (no.: FB1819) and MPFA (no.: IC001091). We provide both Life and General insurance, including General Insurance, Life Insurance, Investment Linked Long Term Insurance and MPF business. As a professional insurance intermediary, we represent the customer, with the advantages of various insurance companies, we make appropriate choices for the customers in different configurations to meet the customers' actual needs with better choices.
Life insurance included but not limited to: Life, Terms, Endowment, Critical illness, Medical, Accident, Universal life and Investment- link products. Each type of insurance are configured and may mix together according to the actual situation and needs of the customers, and each category are different, for example, some insurance products will include life elements, whereas some products may mostly focus on savings. Life insurance is a huge topic, we always try our very best to fit what the customer truly needs and select the most suitable product(s) for our valuable customers which also is the most core vision we believe.
General insurance included but not limited to Car Insurance, Travel Insurance, Property Insurance, Livestock Insurance, Construction Insurance, Marine Cargo Insurance, Labor Insurance and so on. Some of them are parts of the legal requirements, liked Car Insurance and Labor Insurance. Different with Life insurance, general insurance usually last for one year and annually renew, general insurance can divide into many different sections, actually it subject to what the customers' true needs are and quote separate and individually.
Customers can through us handle all MPF related matters for both individuals or corporate customers. We also help individual customers rearrange their own MPF schemes and also help the incorporation to optimize their MPF, Employee Benefits together with other legal required arrangement, which an incorporation needs to keep maintain, in an efficient and overall beneficial way. Group medical, Keyman Insurance, Labour Insurance are some of the hot products which most companies mainly looking for.
Customers can use selected insurance products as collateral to obtain financing from bank. This type of project mostly use universal life insurance or Single Premium life insurance as collateral. The main aims for premium financing is to reduce and alleviate the pressure on cash flow and liquidity from the customer, the customer can use his spare fund invest on a higher returns' opportunity and earning interest margin. Premium Financing can also use as an inheritance for the family, as it usually comes with a large life insurance protection, most of the customers will plan and may use it together with a trust.
Customer can use a company as the policy owner to hold the insurance policy. This method is used to lower the risk on leaving or having any accident to a senior management talent the company may face, it provides further protection on the key person of the company. Keyman insurance can also treat as one of the employee benefits, as the policy can transfer back to the insured after they left the company. It can treat as parts of the additional compensation for the insured who contributed to the company in such a long period of time, so it will enhance the loyalty of the employees.
We also help customers insure their professional related insurance, such as Professional Indemnity Insurance, Directors and Officers Liability Insurance, mainly target for companies or expertise in specific industries and professions. Some professions liked insurance brokerage industry, accounting and listing company need to maintain an insurance policy to cover the liability his company face, in order to protect and lower the the risk and effect the public may face on any fault or legal non-professional case.
