Preparing for life's unexpected events is important. Grandtag offers the broadest and most competitive portfolios of life insurance in the industry.

In cooperation with more than 15 reputable insurance companies with over 50 products, Grandtag provides a broad range of life insurance products to offer financial protection for you and your loved ones.

Term life,
Endowment,
Whole life,
Universal life, and
Unit linked products.
They differ from one another in
Length of cover, from 1 year to whole life (up to age 115), with all the options of the various years in between.
Premium payment period from one-time single premium to whole life premium payment, again with all the options of the various years in between.
Level or variable premium
Savings content from no savings at all to various degrees of savings content
Guaranteed cash value with or without it, and various degrees of guarantee.
Dividend with or without it (i.e. Participating or non-participating).
Choice of fund investments different numbers of options or none at all.
Choice of cover on a single life or on joint life first or last death.
If it sounds complicated, it is because it is all very flexible. In a word, with out professional advice, you decide:

How much, and how long, to pay for the amount and the period of insurance you need, to the insurer of your choice, in return for an amount of savings you desire.

To help you establish a firm foundation for your financial future, Grandtag has an outstanding portfolio of life insurance products. Each combination satisfies different needs. And, it is related to certainty and risk, premium and return. Our professional consultants will advise you to take out a policy suitable to you.

Apart from life insurance, Grandtag arranges the following covers as riders of a basic life insurance plan or as standalone plans.

Long Term Care Insurance can help you pay for the ongoing costs of long term care, without the need to reduce your assets or retirement savings.

Critical Illness insurance offers protection against more than more than 30 illnesses or conditions, including stroke, cancer, brain tumour, heart attack, fulminant viral hepatitis, liver failure, pulmonary arterial hypertension (primary), chronic lung disease, kidney failure, terminal Illness, loss of independent living, major organ transplant, blindness, loss of hearing, loss of speech, coma, rheumatoid arthritis, loss of one limb and one eye, paralysis

The premium can be refundable or non-refundable. And, the cover can be whole life, up to age 100.

Medical insurance reimburses your actual medical expenses. They include in-hospital room & board, surgery, out-patient surgery, intensive care, in-patient specialist, international emergency assistance services etc. It also has the following optional covers
Supplementary Major Medical (SMM) benefit,
Out-partient,
Dental, and
Maternity

Premiums can be refundable or nonrefundable.

Unlike the medical insurance, Hospital Income provides fixed daily cash of, for example, USD150, when you are hospitalized. And daily benefits will be doubled for intensive care cases. The choice of refundable and non-refundable plans is also available.

Disability income insurance can help replace a portion of lost earnings, provide return-to-work benefits and/ or help protect the ability to make retirement contributions.

An investment in a fixed or variable annuity product can help you build a guaranteed income for retirement.

These are only some of the products in our portfolio. All in all, Grandtag offers a broad range of products selected from the most reputable insurance companies worldwide. You can trust us to help you meet most of the challenges life throws your way and provide a lasting relationship to help you meet your financial goals. For a personal appointment, please contact us.

Offshore Banking
 
Life Insurance and other insurance for individuals
 
Employee Benefits
 
Mandatory Provident Funds
 
General Insurance

Disclaimer
Registered with The Hong Kong Securities & Futures Commission. A Member of Professional Insurance Brokers Association Limited
©2006 Grandtag Financial Group. All rights reserved.