is an important facet of everyone’s life
and is one of the main areas that we specialize
in. Risk management focuses on taking steps to
cushion yourself, your family and your assets against
unforeseen events and circumstances that would
otherwise take a financial toll on you and your
There are FIVE
main areas of risk management :
too long” refers to the situation
when one enjoys long life well beyond the
retirement age. The issue then is whether
you have accumulated sufficient wealth
to enable you to continue living at a certain
expected lifestyle level in your golden
years. You need to also consider medical
and healthcare costs, especially those
that require regular treatment.
too soon” is a financial risk to
one’s family, especially if that
person is the main or sole breadwinner
of your family. With the sudden stoppage
of income, it may affect your children’s
education and the livelihood of your family.
With the right life insurance and children
education products, you are able to counter
this risk and help your family fulfill
their dreams, long after you have left
TOTAL & PERMANENT
and permanent disability is the situation
where an illness or accident has left someone
with a reduced capacity to earn a living.
This could be due to loss of sight or loss
or limbs or other parts of the body. The
risk here is that the affected person needs
to continue to provide for himself and
HEALTH & MEDICAL
and medical expenses are escalating globally.
Many people cannot afford the high costs
of surgery or hospitalization in a serious
illness or accident. It gets worse when
it is a prolonged illness like cancer or
kidney failure, which requires regular
treatment to keep the person alive.
and medical insurance can help mitigate
the high costs of medical care. Some life
insurance policies also have critical illness
clauses, where the incidence of an event
like a heart bypass or cancer gives the
policy owner the right to claim for the
value of the life insurance policy.
ACCIDENT & LIABILITIES
accident & third party liability policies
insure your risk to third parties. For
example, if your casement windows falls
down and injures someone, or your car collides
into a cyclist while on the road.
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