To defend your family from financial difficulties when you are hospitalized with high medical bills and reduced income. This will protect you and your family's health and quality of life.
You can gain value appreciation through time to obtain long-term profits. This not only helps you to prepare for the large expenses for the important phases of life (e.g., studying, starting a family, old age care, etc.), but it can also become part of wealth succession, providing additional protection to your loved ones.
Preventive protection. Provides financial and liability protection, ensuring timely and effective protection in the face of uncontrollable risks or physical injury or financial damage due to third parties, allowing you to face the unknown without fear.
From birth to education, children rely on parental safety and financial planning during their journey of exploring the world.
Many parents choose medical, critical illness, and personal accident insurance to provide comprehensive protection for their children. During this stage, premiums are relatively affordable, and the probability of being affected by adverse medical records is relatively small. If economically feasible, endowment insurance can also be opted as an education fund for steady asset growth.
Youths entering the work force and striving to develop independent financial capabilities also like to do their best for their parents.
Through critical illness and life insurance, you can provide protection for yourself while also meeting the protection needs of your parents. If economically feasible, endowment insurance can also be included to accumulate wealth steadily over time.
During career advancement, with less family pressure, accumulating wealth for the future is a major goal.
At this stage, further allocation of investment-linked insurance or endowment insurance may speed up the process of achieving wealth and life ideals.
After entering middle age, you have more responsibilities as the pillar of the family.
Many people at this stage will comprehensively allocate medical, critical illness, life, and personal accident insurance, ensuring sufficient coverage to provide for their families and to maintain their quality of life in unforeseen circumstances.
You should be more financially stable after retirement. With improved healthcare, there is still a longer transition period between retirement and the older stages of life.
Annuity insurance or endowment insurance with higher short-term contributions and higher principals are effective tools when planning for retirement. Endowment insurance and life insurance with customized wealth distribution features are also good helpers for wealth succession planning.
Contact our professional financial advisory team to create a personalized wealth management plan for you.