It is top priority to protect one’s own assets, earning ability and family under all circumstances. Yet, many people do not make adequate provision for the loss or incapacity of a breadwinner. Without a doubt, life insurance is the most common and available tool to protect a person against unforeseeable mishaps. While pure life policies are popular, it is usually more rewarding to opt for a whole life policy with some savings features. In fact, a properly structured life policy can also be an effective financial tool for building up substantial savings.

Investor Benefits

• Protecting Your Family – in the event of your passing away, or perhaps the premature death of your spouse; how could the surviving partner afford child care, or fulfil the plans you had for your children? Having appropriate life insurance coverage would get your family better prepared for such an unfortunate event.

• Protecting Your Home – the need for insurance goes far beyond concerns over death alone. Mortgage protection policies offered by lending banks may be designed to protect the lender more than the borrower. Grandtag can help you find the most appropriate plans to ensure that misfortune does not lead to the loss of your home.

• Protecting Your Business - the untimely death of a business partner can leave the surviving partners or shareholders in a difficult position. Having arranged in advance a buy-sell agreement and a well- planned, adequate coverage life insurance policy, you will be relieved to know your family will be taken care of and the business will be continued.

• Protection against Sickness or Disability – unplanned medical expenses, the disability of yourself or a close family member (perhaps resulting from an accident), or chronic illness can become a heavy financial burden and a drain on your assets. To guard against this, additional protection such as critical illness coverage, personal accident insurance and medical insurance can be built into your policy to provide additional layers of security.

• Guaranteed Limited Payment Term and Premium – it makes you know in advance exactly what you will pay, in what currency, and for how long.

• Guaranteed Liquid Cash Return – unlike conventional investments such as stocks, which may be difficult to be converted into cash when you need it, your insurance policy offers a guaranteed cash value which is a liquid asset, available whenever you require it.

• Good Dividend Returns – most plans offer variable dividends on top of the guaranteed cash value, but the plans available in many Asian countries often offer only modest returns. This is where Grandtag comes in, offering Asian clients a wider range of insurance plans with greater flexibility and higher accumulated value.

• Security – Grandtag offers only selected plans from large international insurers, assuring you of better risk management even in times of financial turbulence than you can expect from smaller local insurers. You can be confident that your insurer will be able to live up to its promises.

• Exempt from Creditors - the death benefits of an insurance policy is exempt from creditors.

• Expert Professional Advice – our professional investment advisors help to determine the most suitable insurance plan for your personal needs.