Life Insurance & Protection

Ensuring that your hard-earned capital is properly protected in Hong Kong is extremely important, especially if unexpected events occur.

Without the right protection you and your family could be left in a difficult financial situation. Considering how to protect your finances can be complicated especially when you will need to consider what support you might need in the face of highly emotional events such as unemployment or serious illness.

Thankfully there are a range of protection options that can keep your wealth safe when the unexpected happens.

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Belgium

Belgium

C/o The Nest Work, Ave de Broqueville 12
1150 Brussels, Belgium

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Cheltenham

Cheltenham

Pure Offices, Cheltenham Office Park,
Hatherley Lane, Cheltenham,
Gloucestershire, GL51 6SH

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Dubai

Dubai

Emirates Financial Towers, Level 3,
North Tower, Office 310, PO Box 507290,
DIFC, Dubai, United Arab Emirates

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Exeter

Exeter

The Senate, Southernhay Gardens,
Exeter, Devon, EX1 1UG

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Hong Kong

Hong Kong

Unit 1115, Tower 2,
Lippo Centre, 89 Queensway,
Admiralty, Hong Kong

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London

London

10th Floor, Nova North
11 Bressenden Place
London, SW1E 5BY

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Singapore

Singapore

6 Battery Road #16-04/05,
Singapore 049909

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Worthing

Worthing

Crescent House, Crescent Road,
Worthing, West Sussex BN11 1RN
(Use BN11 1RL for Sat-Nav )

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United Kingdom

Worthing (Head Office)

Crescent House, Crescent Road,
Worthing, West Sussex BN11 1RN
(Use BN11 1RL for Sat-Nav )
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FAQ’s

All you need to know about life insurance and protection

How much life insurance do I need?

Your financial and personal situation are the largest contributing factors to whether you need life insurance and, if required, how much coverage you should have. As a starting point, you should consider between 10 and 15 times your annual income in coverage as a benchmark, although your personal needs may differ.

How does life insurance work?

Life insurance works as “cover” that pays out in a lump sum to your chosen beneficiaries if you, as the life assured, pass away during the time you are covered in your policy.  In addition to life cover, these policies can also include lump sum payments on diagnosis of a critical illness. You should consider ensuring you have both life insurance and critical illness cover.

How many life insurance policies can you have?

Although one life insurance policy, traditionally, is sufficient, there is no law that prevents you from having a combination of life insurance policies and arrangements.

How does income protection work?

Income protection insurance pays you a regular income if you can’t work as a result of sickness or disability. The term of payment continues until you return to paid work or retire.

It is worth noting that the amount of income you can claim often will not directly replace the exact amount of money you were earning prior to receiving payment through income protection insurance.

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