Protect your wealth
Personal risk management forms an integral part of a complete financial plan and should never be treated separately. Insurance is a very effective way to finance your future needs, protect your wealth, and engage in targeted saving, investing and wealth distribution to the next generation.
The broad spectrum of insurance products ranges from Universal Life insurance and Variable Universal Life insurance to capital-guaranteed savings plans.
Universal Life is a flexible, permanent life insurance that provides security for your family through the death benefit whilst accumulating cash value as part of the policy's savings element. Its flexibility is its biggest draw, as it allows you to shift and adjust your premiums and coverage, depending on your needs, throughout the life of the policy.
Variable Universal Life takes this one step further. By combining the flexibility of Universal Life's protection elements with control over the investment component, it allows clients who are comfortable with investment risk to continue to maintain full discretion over their existing assets. Over the long term, Variable Universal Life can potentially grow the cash value of the policy over and above providing your loved ones with a death benefit protection. Universal Life policies can be structured in various jurisdictions for efficient tax planning purposes.
Our partners are the biggest global insurance companies, and we operate on the principle of open architecture, ensuring the impartiality of our advice. With a well-designed policy, you can rest easy knowing that you have an intact wealth plan to see you through both good times and bad. Your adviser is best placed to review your insurance requirements in the context of your needs and situation, projected cash flow and legacy intentions, and offer solutions to meet your goals.
Please note that our Private Client services are only available for Accredited Investors, defined as individuals whose net worth is at least SGD$2 million (or its equivalent in a foreign currency) or whose income in the past 12 months was at least SGD$300,000 (or its equivalent in a foreign currency).