Protect what matters.
Plan for the unexpected.

A common rule of thumb is 10–15× your annual income, but your real number depends on debts, dependants, lifestyle, and future obligations like education fees. Our advisors do a proper needs analysis — not a guess — to find the right sum assured for you.

Term insurance covers you for a set period at lower premiums — ideal for pure protection. Whole life builds a cash value over your lifetime. Investment-linked policies (ILPs) combine insurance with a fund component, offering flexibility but with investment risk. Our advisors will walk you through the options and help you decide what fits your goals and budget.

Group medical is a great benefit, but it has real limitations — coverage ends the moment you resign, get retrenched, or retire. Limits are typically lower, and critical illness or life coverage is often not included. Personal insurance is yours regardless of employment status, ensuring you're never left unprotected during a career transition or in retirement.

No — it's never too late, though earlier is always better (lower premiums, fewer exclusions). In your 40s, critical illness and medical cover are especially important. Our plans offer comprehensive coverage for clients across all life stages.

Absolutely. Claims support is a core part of our service — not an afterthought. We guide you (or your family) through the claims process, help with documentation, and liaise with the insurer on your behalf to ensure a smooth and timely payout.