Business Financial Planning

Trade Credit Insurance

Trade Credit insurance covers your receivables due within 12 months so that your cash flow is safeguarded.

Our information tracks the financial health of your customers and we update you so that you can trade with confidence.
If your customers become insolvent or fall into protracted default, you will be indemnified for the cost of goods and services you have delivered.

Guarantor Indemnity Plan

This tool is ideal for businessmen who have entered into a personal guarantee when obtaining loans from financial institutions. A Guarantor Indemnity Planning is designed to ensure that the company will still be running in the event of the death of the guarantor, which is most likely the business owner most of the time. This compensation will be utilized to offset the existing outstanding banking facilities, which in turn will not jeopardize the operation of the company.

Keyman Compensation Plan

It is a basic Business Financial Planning tool for a company’s key-person, the need to compensate an organization key-person and family, against the loss/diagnosis of dread diseases of key-person; wealth protection of demised beloved family and living partner/existing business value.

In the most event, a key person contributes the life time towards the development of the business entity, from the business infant stage towards the established business empire, with this planning, during any mishap situation of the key person, the compensation shall be payable to the key-person or the beneficiary(ies) for the key-person for their future living.

Business Succession Plan

This is a needed solution for Partnership companies serving the purpose to void issues in the event of the loss of life or diagnosis of dread diseases of the shareholder(s). Business Value Protection Planning is designed as an Exit Plan for shareholder(s) upon those mishaps to determine the smooth Legal Procedures for,

Professional Value Plan

This plan is mainly catered for Professionals with high value justified with his/her mind & time. The professional stream of income needed to be protected against the loss of time & mind (ability to perform the professionalism). Professional like doctors, who are respected for their reputed professionalism and commitments to society; but the value is gone at the moment they lost the ability to perform the professional or demise. Thus, this is tailored for the need for professional income replacement.

Cash Management

Cash is the primary asset individuals and companies use to pay their obligations on a regular basis. In business, companies have a multitude of cash inflows and outflows that must be prudently managed in order to meet payment obligations, plan for future payments, and maintain adequate business stability. Thus, maintaining cash balances while also earning a return on idle cash are usually top concerns.

Corporate Employee Benefits Scheme

An employee benefits scheme or ‘Corporate Insurance’ is an insurance that covers a group of people, usually who are members of societies, employees of a common employer, or professionals in a common group. Group coverage can help reduce the problem of adverse selection by creating a pool of people eligible to purchase insurance who belongs to the group for reasons other than for the purposes of obtaining insurance.

In other words, people belong to the group not because they possess some high-risk factor that makes them more apt to purchase insurance (thus increasing adverse selection); instead, they are in the group for reasons unrelated to insurance, such as all working for a particular employer. The products include and are not limited to:

Group Term Life

Group Hospitalization and Surgical Plan

Group Personal Accidents

Special Corporate GMBIS

Business Insurance

It is a basic tool for corporate risk transfer with general insurance tools and group insurance covering the risk of company assets, i.e. company building, machine, or employees. When running a business, unforeseen events are unavoidable. The best you can do is to minimize your losses when mishaps occur. We have designed a wide range of commercial insurance products to cater to your business needs.

Property Insurance

For buildings, stock, and contents.

Marine Insurance

Provides customized coverage that importers and exporters need.

Fire Insurance

Safeguard your buildings and protect the contents of your premises.

Burglary Insurance

Covers you against loss or damage to the properties resulting from a forced entry or attempted entry.

Liability Insurance

A liability policy covers the legal liability of a person or corporation to pay compensation to others.

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