Don’t underestimate
the value of life insurance.
 Your
life insurance policy can:
þ
take care of your family if
you die young.
þ
take care of you if you live long.
þ
take care of your children’s education.
þ be self-completing if you become
totally disabled.
þ
provide critical illness coverage.
Life Insurance is the most versatile and
unique product available for the problems people face in the 21st
century.
Being an
Independent Broker we offer a wide range of products and companies, which
takes care of practically every need of our customers. The plans offered
provide for risk cover at low cost, children’s education / marriage,
return of money with risk cover, joint life cover of husband and wife,
retirement plans, single premium and investment plans with guaranteed
returns.
Question:
How much life insurance should I buy?
Answer:
“Rule of thumb” suggests an amount of life insurance equal to 6 to 8 times
annual earnings. However, many factors should be taken into account when
determining the right amount of life insurance for you and your family.
Important factors include:
- Income sources and amounts.
- The number of individuals who are financially dependent upon you.
- Whether any special
life insurance needs exist (e.g. mortgage repayment, education fund,
child’s marriage, retirement, estate planning etc.)
Calculating the correct amount of life
insurance to buy is not as simple as it appears. We recommend contacting
us for help in determining the right amount of coverage. As independent
broker, we are unbiased advisors that will help you buying right amount of
coverage for your need and recommend a company that will best serve your
interests.
Question:
What type of life insurance policies I should buy?
Answer:
This depends on what you need out of your life insurance policy whether it
is a savings, protection or retirement. Once the need is identified then
it makes it easier to make a decision. It also depends on your budget.
Please contact us for advise and quotations.
Our Business Partners:
-
New York Life Insurance Worldwide Ltd.
-
Sun Life Financial (Hong Kong) Ltd.
-
Manulife
-
Transamerica Occidental Life
-
Prudential
-
Zurich International Life Limited
-
Eagle Star
-
Standard Life
-
AXA
|
A Member of Professional Insurance Brokers
Association.