Why do you need insurance and an insurance broker

Scientific data underscores the importance of maintaining certain insurance policies. For instance, health insurance can significantly reduce out-of-pocket medical expenses, and life insurance provides financial security for dependents in the event of untimely death. Similarly, home insurance safeguards against substantial financial loss from property damage, and auto insurance is legally required in the UK.

Navigating the complexities of insurance requires expertise, which is where a professional insurance broker becomes invaluable. Research indicates that brokers can help clients find tailored insurance solutions that meet their specific needs while optimizing cost-efficiency. They offer informed advice based on market trends and policy details, ensuring comprehensive coverage and peace of mind. Leveraging the expertise of a professional insurance broker can help you make informed decisions, balancing protection and cost.

Products to achieve your insurance goal

Private Medical Insurance

Life Insurance

Critical Illness Insurance

Income Protection

  • Private medical insurance can cover the cost of private healthcare, including specialist fees, diagnosis fees, treatment fees, various examination fees, surgery fees, hospital charges and other additional services (such as private ambulance fees, nurse caring, online consultation, etc.). You can also add dental insurance, travel insurance, physical therapy insurance and psychotherapy insurance.

  • Life insurance is a type of financial protection that pays out following a valid claim if the policyholder dies. The payout is typically a cash sum. After the death of the insured person, the payout from a life insurance policy could be used to support dependents with ongoing living costs, such as the mortgage or rent, childcare, and household bills. You can also add critical illness insurance and disability insurance as additional coverage. For customers who purchase life insurance and critical illness insurance, we will help you set up a trust for free.

  • Critical illness insurance, means that when the insured suffers from a serious disease, such as cancer, heart disease, stroke, etc., and meets the claims conditions, the insurance company will make a one-time payment according to the insurance amount agreed in the contract.

  • Income Protection protects the insurer if they are unable to continue their work due to accident or sickness resulting in temporary or permanent loss of income. The insurance company will pay a set amount of tax-free income to the insurer regularly during the contract period.

** The plan will have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse.

** The policy may not cover all definitions of a critical illness. For definitions of illnesses covered please refer to the Key Features and Policy Documents.

Services Process

  • Step 1 Enquiry – Our insurance advisors will gain a deep understanding of your situation and needs on insurances

  • Step 2 Initial plan – Our insurance advisors will research relevant insurance products according to your needs, and provide an initial insurance plan. The initial plan generally includes pre-application documents, a report of insurance products details and explanation, as well as comparison among various products. Based on the feedback, we will further adjust the plan to meet your needs and budget.

  • Step 3 Prepare the documents –  Personal information and insurance related information, such as smoking status, health status, GP information and other product specific information depending on the insurance being purchased (for example, purchasing house insurance requires specific house information); Proof of identity (ex: passport) ; Proof of address (ex: utility bills, bank statements for the last 3 months showing address, etc.) ; Proof of income and expenditure (bank statements for the last 3 months).

  • Step 4 Complete the purchase – The insurance company might require a third-party physical examination for the client(s) based on the personal health information provided. If a physical examination is not required, your insurance will take effect after the payment. If a physical examination is required, the final quotation will be given after receiving the physical examination results. The insurance will take effect after purchase

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