Frequently Asked Questions

A licensed professional who acts as an intermediary to find the best policy from multiple providers, always acting in the client's interest.

Brokers work solely for the client and compare options across many insurers, while agents work for a single insurance company.

We offer health, life, motor, home, travel, business, property, marine, public liability insurance and many more.

Start by identifying what you want to protect: your health, life, vehicle, home, or business. We can help guide you based on your needs, risk factors, and budget.

Compare the coverage, benefits, exclusions, and premiums of available plans. We can explain the differences and help you select the plan that best suits your needs.

Yes. We can help you bundle multiple policies — such as home and auto insurance — to save money and simplify your coverage. We'll find the best combination of policies to suit your needs.

Once you know the type of insurance, we'll gather basic information about you and the asset or person to be insured. We'll then provide a quote showing premiums and coverage options.

After selecting a plan, you'll submit the required documents, complete the application form, and make your first premium payment. Once processed, your coverage begins.

Typically:

• 2 forms of valid ID (passport, driver's license, or national ID).
• Proof of address (utility bill or bank statement no older than 3 months).
• Recent medical records (for health or life insurance).

Typically:

• 2 forms of valid ID (passport, driver's license, or national ID).
• Proof of address (utility bill or bank statement no older than 3 months).
• Proof of ownership (bill of sale or vehicle registration certificate).
• Roadworthy certificate (manual, for vehicles 10 years and older).
• Valuation (if applying for comprehensive coverage).
• Completed proposal and KYC form (provided in office).

Some plans provide instant coverage once payment and documents are received. Others may have a waiting period, especially for health and life insurance.

Some life insurance plans require a medical exam. Others offer simplified or no-exam options, though coverage limits may apply.

Premiums depend on the type of insurance, your age, health status, coverage amount, optional add-ons, and other risk factors.

Payments can be made via bank transfer, credit/debit card, or in person at our office.

Missing a payment may lead to policy suspension, cancellation, or fees. Avoid this by paying on or before the payment date.

Yes. We assist you with navigating the claims process and liaising with insurers on your behalf.

Submit a claim form along with supporting documents (e.g. medical reports, repair invoices). Our claims team will review and process your request. If you are not sure, you can always call the office and we will guide you through the process.

Processing time varies: motor claims may take weeks, health claims may take days to weeks, while life insurance claims can take a few weeks depending on documentation and other factors.

Motor insurance protects your vehicle against accidents, theft, fire, or damage. It can also cover third-party liability for injuries or damages caused to others.

Property insurance protects your home, office, or other assets against fire, theft, natural disasters, and accidental damage.

They protect against different kinds of risk:

• Health insurance covers medical expenses.
• General insurance covers property, auto, liability, and other non-health-related risks.

Yes, many health and life insurance plans offer family coverage. Premiums may vary based on the number and age of members.

Coverage for pre-existing conditions varies by plan. Some plans exclude certain conditions for a waiting period. Always review your policy terms.

A deductible is the amount you pay out-of-pocket before your insurance coverage begins. Lower deductibles generally mean higher premiums, and vice versa.

Co-insurance is a fixed percentage — usually 20% — that you continue to pay toward your healthcare costs after your deductible has been met.

Yes, most policies allow adjustments to coverage amounts, beneficiaries, or optional riders. Changes may affect your premium.

Yes, but early cancellation may incur fees or reduce benefits. Always check your policy terms.

You can request a digital or printed copy by contacting our office or emailing our team.

Life insurance offers protection and peace of mind in more ways than one:

• It offers protection against risk and loss of life.
• It provides benefits in the event of disability and death.
• It provides an income to help your family maintain their standard of living.
• It can be used as collateral.
• It provides a form of savings.
• It adds value to your estate or assets.
• It helps cater for funeral and other expenses.

The main difference is how long the cover lasts:

• Term life: coverage for a fixed period. More affordable.
• Whole life: lifetime coverage that may build cash value over time.

Yes, life insurance policies allow you to designate beneficiaries who will receive the payout in case of your passing.

A mutual fund is managed by a company or fund manager who pools investors' money and invests it in different types of vehicles — e.g. bonds, shares, stocks and securities, or a combination of these. Benefits include:

• A diversified mix of investment instruments.
• Greater investment opportunities, because the money is invested across different stocks, shares, and more.
• High returns in the long term.
• Tax-deductible benefits.
• Funds are managed by investment analysts and managers who use their expertise to yield good returns.

We can help you with a few simple ideas to make your savings grow even quicker with our Education Fund:

• Save a regular amount every month — you'll adapt your lifestyle around the rest and probably won't even miss it.
• Reduce your spending — for example, spend less on birthday presents and put the money into the Education Fund instead, and ask relatives to do the same.
• Reduce the amount you spend on socialising and other avoidable costs.
• If you receive an inheritance, extra cash, or a bonus, add a lump sum to your Education Fund.
• Show your children that you're saving for them — a two-sided benefit that also teaches them about the value of saving.