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Business Services
Wealth Management and Life Insurance
  • Medical Protection

    One in four men or five women in Hong Kong is suffering from different types of cancer before age 75. About 40% of cancer patients were aged 60 or below in the past decade while the trends showed that the number of younger patients has been increasing.*

    Unstable working hours, pressures, poor diet and lack of exercise can lead to critical illness, such as heart disease.

    Our health problems could be solved by new technology and professional medical services. However, not everyone can afford the high cost. With medical protection, you are free to choose the most appropriate medical practitioner for yourself.

    * Source : “Overview of Hong Kong Cancer Statistics of 2015” by Hong Kong Cancer Registry, www3.ha.org.hk.

  • Children Education

    Your children's education is important. From kindergarten through university, you want to make sure your child has the best educational resources available to meet their unique needs and develop their individual talents. And, if you're like most parents, sending your child to college is high on your list of financial priorities. 

    Such savings will one day count as your expenditure, but it will be lifelong investments for your children. We do not want to see them deprived of the opportunity due to lack of means rather than lack of talents. We can tailor made your children’s education fund according to your expectation and budget.

    Cost Comparison of popular Study abroad destination
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    Cost Comparison of Popular Study Abroad Destination(HK$)
    America Canada The U.K. Australia
    University and College $5,000 - $10,000 $5,000 - $8,000 $39,000~$62,000 $0
    Tuition(Annual)

    Private﹕$600,000-$700,000

    Public﹕$400,000

    Public﹕$250,000 Public﹕$250,000 Public﹕$150,000-200,000
    Cost of Living $100,000 –$200,000 $50,000 - $100,000 $100,000 –$150,000 $100,000 –$150,000
    Cost Comparison of Popular Study Abroad Destination(HK$)
    America Canada The U.K. Australia
    University and College $5,000 - $10,000 $5,000 - $8,000 $39,000~$62,000 $0
    Tuition(Annual)

    Private﹕$600,000-$700,000

    Public﹕$400,000

    Public﹕$250,000 Public﹕$250,000 Public﹕$150,000-200,000
    Cost of Living $100,000 –$200,000 $50,000 - $100,000 $100,000 –$150,000 $100,000 –$150,000
  • Investment

    It is not easy to make the right decisions in the ever-changing stock market. Investors should not be overly ambitious and should always allocate their assets sensibly according to their own financial position, risk tolerance and investment experience instead of market movement.

    With-profit insurance products provide medium to long term insurance plans which share the profit from the operation of fund in the form of dividend and enjoy the benefits of a balanced investment portfolio and return on investment.

    Investment-linked insurance products is a regular and fixed amount investment plans would be suitable for the customer’s savings needs. Monthly or annually contribution will invest in global fund, with portfolio in stock, bonds and money market. Benefit from the cost averaging method, efficient risk control, enable you to achieve long term wealth accumulation.

  • Retirement Protection

    People are living longer. According to the WHO’s World Health Statistics 2017, the global life expectancy for males and females were 69.1 years and 73.7 years respectively, whereas the average represented an increase by 6 years as compared with 1990. The report also showed the average lifespan for Chinese: 74.6 years for males and 77.6 years for females. The current retirement age for Chinese population is 60 years for men and 55 years for women. As such, each person has a long period of retirement time to go. Once you have no income, you may rely on children support and government subsidy but loss of dignity. Should you have your own money in reserve, you can plan your ideal lifestyle. We offer annuities and cashback guaranteed savings plans to keep the quality of your life.

    *Source: “WHO’s World Health Statistics 2017”

  • Family Protection

    Life is a long journey with full of uncertainty. We provide variety of customized proposition so that you and your family member can have a comprehensive protection, ensuring your beneficiaries will always be well looked after.

    Insurance protects you against the unforeseeable. It offers you security and cushions you on rainy days. With access to our experienced and professional financial advisors, you have peace of mind knowing that your financial needs and your family are adequately taken care of should the unexpected occur. It enables you and your dependents to continue to have the current standard of living that you want. To help you to build a protection cushion with insurance, we offer a range of insurance options:

    • Life cover
    • Family income benefit
    • Total and permanent disability insurance
    • Accidental death
  • Wealth secession

    Under the traditional Chinese-style family inheritance system, the original family business is difficult to continue after intergenerational transmission. It has always been a rare case since ancient times to have Chinese store opened over hundred years as hundred years is exactly three generations. Therefore, China has an old idiom:“Wealth does not pass three generations.” But now, it has become a history.

    We provide high net worth customers with full range of family wealth management services, including asset allocation, consulting and other value added services, so as to increase the wealth and financial allocation. Let next generation be blessed on one hand and also led the business continuity on the other. Your wealth becomes forever!

General Insurance and Risk Management