Personal insurance
Four pillars. Held together by one honest conversation.
The cover types below answer different questions. Which ones are relevant depends on your dependants, debts, income, existing policies and any business that relies on you.
01 / 04
Life insurance
Explore what financial gap may remain for the people who depend on you if you die or become seriously ill.
- How renewability and conversion terms differ between policies
- Which conditions and definitions apply to trauma or critical-illness cover
- How total and permanent disability is defined and evidenced
- How debts, dependants and existing benefits affect the amount to discuss
02 / 04
Medical & health insurance
Understand how private medical cover may interact with surgery, specialist care and diagnostics.
- Questions to ask about surgical and hospital benefits
- Specialist consultations and diagnostic imaging limits
- How optional day-to-day benefits may differ
- How exclusions, waiting periods and existing conditions are described
03 / 04
Income protection
Examine how a policy may respond if illness or injury prevents you from working, and what evidence or offsets may apply.
- How the policy defines disability and eligible income
- Waiting periods, benefit periods and offsets to compare
- How sick leave and savings affect the questions worth asking
- Records self-employed people may need when income varies
04 / 04
Business & key-person cover
Identify the people and financial obligations a business depends on, then check which risks a policy may or may not address.
- Questions around key-person life and disability cover
- How insurance may interact with a shareholder agreement
- Definitions and limits in business-expense cover
- Questions to check before considering a group scheme
Start a conversation
Start with the questions that matter to your situation.
Request a conversation in English or 中文. Confirm the available format, timing, scope and any applicable fee before the meeting.