For Personal Life & Living Benefit Insurance
  • Your Wants for Lifestyle, Family Structure in coming 10 to 20 years and at retirement age
  • Your Career Security & Development
  • Your Continuous Education Development
  • Your Personal Monthly income & expenses
  • Your Liability and Risk Profile
  • Your Length of Liability
    the number of year for income contribution to your dependent and home mortgage etc
  • Liquidity and Cash flow Position
  • Your Personal Portfolio of Assets & Liability including Debts
  • Your Risk Management Profile
  • Your Budgetary Control

For Personal & Corporate Property / Liability Insurance

  • The Property & economic Value
  • The Possible Financial Impact in case of Loss
  • The Replacement cost and Time
  • The Difficulty for Substitution
  • The Durability
  • The Marketability
  • The Length of Life
  • The Risk Management Profile
  • The Ease in Control
  • The Adaptability to Change
  • The Paying Affordability
  • The Budgetary Management

For Company Employee Benefit Insurance / MPF / Personal Retirement Need

  • The Goal Setting
  • The Viability in Long Run
  • The Ease in Administration
  • The Adaptability to Change, such as Staff Replacement
  • The Liquidity in case of Emergency before Maturity
  • The Negative Sociological Impact / Financial Impact / Penalty in case of Termination or Change
  • The Suitability in correspondence to different phases of life / of Company Development
  • The time to start, review and adjust
  • The Paying Affordability
  • The Budgetary Management