Life Insurance

Life insurance is not merely a self-preservation but also ensure your loved ones are protected from any unforeseen happens. Insurance needs change at every life stage, and everyone has different needs when it comes to protection. We offer a wide range of choices to cover all your specific needs.

WholeLife Protection Plan:

• Life insurance protection for the whole of your life
• Guaranteed minimum rate of return
• Guaranteed cash value
• Different premium payment term
• Different bonus allocation

Term Protection Plan:

• Life insurance protection for different term
• Get Valuable coverage at an affordable premium
• Flexibility to convert to whole life policy

Saving Plan

A comprehensive plan that enables you to achieve your savings goals with ease and make your dreams come true. You will have a steady and stable returns in form of guaranteed cash value and non-guaranteed dividends regularly. A level premium which will remain constant throughout the benefit term no matter how your conditions change. Furthermore, different premium payment periods allow you to manage your finances more efficiently and suit your individual needs. It can also enable you to enjoy peace of mind with life protection. It is the ideal solution that strikes the right balance between savings and life protection.

Insurance product with savings element (non-participating policy):

• Lifelong protection with savings element
• Enjoy Life protection during the term of the policy and achieve your wealth management goal at maturity
• Different premium payment periods and life protection options to suit your individual needs

Insurance product with savings element (participating policy):

• Long term saving with potential growth
• Enhance potential returns through bonuses
• Attractive returns for you to grow your wealth
• Different premium payment periods and life protection options to suit your individual needs

Investment-linked assurance schemes

This investment-linked assurance scheme (‘ILAS policy’) is a hybrid product with both insurance and investment elements. It is a life insurance policy issued by an insurance company for long-term investment which provides you with life coverage. The premiums you pay, after the deduction of any applicable fees and charges of your ILAS policy, will be invested by product provider in the underlying funds corresponding to the investment-linked funds you selected and will accordingly go towards accretion of the value of your policy.

Highlights:

• Lifelong protection with investment element
• The mode of contribution E.g. single, regular or both
• Offers a wide range of investment options for customers to capture potential investment growth as well as to balance the risk of their investment portfolios over different sectors and markets

Important Information: Investors should note that all investments involve risks (including the possibility of loss of the capital invested), prices of fund units may go up as well as down and past performance information presented is not indicative of future performance. You should refer to the relevant offering document of the investment-linked assurance schemes for details, including product features, terms and conditions, fees and charges and the risk factors of the policy. For all details of the policy, please refer to the relevant policy conditions and provisions.

Critical Illness

You strive every day to ensure the comfort of you and the people you love. Unfortunately, serious illness can strike at any time and usually when we least expect it. In the unfortunate event of being diagnosed as suffering from a major illness, the unplanned medical costs and other expenses can have a devastating impact on your cash flow. Critical Illness offers a comprehensive coverage that helps to ease the financial burden of medical treatment, thereby providing you and the people you love with financial security during the difficult times.

Highlights:

• Different Crisis Cover Series enable you to enjoy different levels of financial protection
• Giving you financial support for early stage critical illness
• A lump sum cash payment will be payable upon the diagnosis of any of the covered major diseases
• Premium remain constant throughout the payment term*
• Provide multiple critical illness claims’ options to suit your individual needs

*Insurance companies will have rights to adjust the premium rate

Medical Insurance

Health is wealth. There is nothing in our life that is more valuable than good health. However, unexpected medical expenses could be a burden to you and your family, thus a comprehensive medical care plan is an indispensable part of your financial planning. A comprehensive medical plan reliefs your financial pressure so that you can focus on recovery. A quality medical plan offers you a series of value added service to ease your unnecessary distress. Whatever your budget and your needs, we provide you with a medical care solution to suit your individual needs and give you minimum hassle and maximum peace of mind.

Hospital Protection:

• Flexible combination to suit your individual needs
• Wide and comprehensive coverages that cover majority of hospital and medical expenses such as wards, surgical, nursing, laboratory and specialist fees, etc
• 24-hour Worldwide Emergency Assistance Service

Hospital Cash:

• Hospitalisation cash benefit will provide you financial support you need so that you can concentrate on recovery and alleviate financial stress of your family.

Accident and Disability:

• Provide substantial financial support for you and your loved ones should an accident occurs

Retirement Income

Retirement is the beginning of a new and exciting stage in our life. You would like to travel with loved ones, play with grandchildren, or into your enthusiasms. We understand that you long for a carefree retirement to meet the new phase of life, so we prepare a series of retirement solutions so that you can be assured of living the retirement of your dreams.

Annuities:

• Accumulate retirement funds during the Accumulation Period
• Flexible premium payment terms so that you can choose the best option that fits your needs
• Enjoy a stream of guaranteed income regularly for as long as you live (up to the age of 100), securing your retirement life

Migrant Investment

Capital Investment Entrant Scheme is a migration scheme to facilitate the entry for residence by capital investment entrants. We assists immigration applicants on an individual and personalized basis by applying the most suitable way of immigration, having regard to the individuals’ special needs and qualifications and providing you with our best service.

Service areas:

• First visa application and consulting programs
• Assist immigrants apply for investment
• Investment immigration audit and asset assessment
• Assist selected investment projects
• Party communication and project assistance

Commercial Insurance

Whether large companies or SMEs, your company needs financial protection from various risks that can be triggered by different events. We realize the importance of protecting your company assets so we assist you to create custom solutions to your unique and extraordinary insurance needs. Commercial insurance is crucial to your business sustainability and growth, it safeguard your business in the aftermath of unexpected happen.

Species of Commercial Insurance:

• Fire Insurance – Keep your business protected against damage caused by fire, lightning or explosion

• Public liability insurance – Public liability insurance covers the legal liability if your business causes death, injury or property damage to a member of the public

• Cargo insurance – Cargo insurance provides protection against all risks of physical loss or damage to freight from any external cause during shipping, whether by land, sea or air.

• Employee’ Compensation Insurance – According to the Employees’ Compensation Ordinance in Hong Kong, the employers are responsible for the compensation payable under both the Ordinance and Common Law for any injury or death of their employees in the course of employment. We offers you hassle-free protection to meet the statutory requirements.

• Professional Indemnity – Provides comprehensive protection for professionals including but not limited to Architects, Engineers, Property Managers, Travel Agents, Schools and Associations against loss or expense resulting from the breach of professional duty in the performance of professional services.