Wealth Management Hong Kong
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Contents For Business Protection Insurance Hong Kong

Business Protection Insurance

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Business Protection Insurance

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Business Protection Insurance Key Man Insurance Keyman Succession Planning And Buy Sell Agreements

Business Protection Insurance“Holistic Corporate Wealth Management – securing SMEs futures by creating, managing, preserving and protecting their corporate Balance Sheets”

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Business Protection Insurance Hong Kong

Let’s Talk About YOUR Business

Is YOUR business PROTECTED, after all you insure your home, your car, and in some cases your yacht, but what about YOUR BUSINESS!

Isn’t it strange, that the very thing that provides the money for your home, your car, and your yacht is probably not insured, we are of course talking about “YOUR BUSINESS”.

Every business is only as good as, and depends upon its “People”. It’s the people in the business that have the ideas, create the contacts, and make the sales; which leads to increasing revenue and profits for your business; which in turn pays the salaries that provide for your homes, cars and yachts. It follows that by insuring the “People” within a business, we are in fact insuring the survival of the business; YOUR BUSINESS, together with your possessions, future lifestyle and financial security for yourself and your family.

We hope you will find our FREE “Business Insurance Guide” informative, and that it highlights some of the vast financial planning opportunities that are available to you and YOUR BUSINESS.  Our guide is intentionally generic and therefore individual questions may arise that you would like answers to. If at any time you would like more detailed information then

Nobody Can Predict The Future But Everybody Can Protect It

What Is Business Insurance and Business Succession Planning

Influence, ideas, decisions, contacts and ultimately profit are driven by a relatively small number of people within a business.

Keyman / Key Person Business Insurance

An insurance policy taken out by a business to compensate that business for financial losses that would arise from the death or extended incapacity of a member of the business specified on the policy (The Key Person and / or the Company Directors and Partnership Shareholders). The aim is to compensate the business for business financial losses and facilitate business continuity.

Business Loan Protection Insurance 

Insurance for anyone involved in guaranteeing business loans or banking facilities (The Company Directors and Partnership Shareholders). The value of insurance coverage is arranged to equal the value of the guarantee.

Private Limited Companies and Partnership Shareholder “Buy / Sell” / “Buyout” Agreements

A buy-sell agreement, also known as a buyout agreement, this is a binding agreement between co-owners of a business (The Company Directors and Partnership Shareholders) that governs what happens if a co-owner dies or is otherwise forced to leave the business, or chooses to leave the business. It may be thought of as a sort of premarital agreement between business partners / shareholders.

Relevant Life Cover – Director / Shareholder “Death In Service” Benefits

Where the policy pays a designated beneficiary, for example the deceased family, a sum of money upon the death of the insured person (The Key Person and / or the Company Directors and Partnership Shareholders).

Holistic Corporate Wealth Management

Creating, managing, preserving and protecting a company’s wealth so that the officers of the company can build their “Capital” – a strong “Balance Sheet”.

Why You Need Business Insurance

  • We are living longer but not necessarily always enjoying good health
  • Life expectancy for HK people is 80 for males and 86 for females1
  • Medical advances mean you are more likely to survive a serious illness
  • Each year nearly 20 million people survive heart attacks and strokes; many requiring continuing, and costly, medical care2
  • 10 million people survive strokes each year. Of these stroke victims 40% experience moderate to severe impairments requiring special care3

Source:

  1. Hong Kong Population Projections 2010-2039
  2. World Health Organisation – www.who.int, 2008
  3. World Health Organisation – www.whoint and The University Hospital – www.universityhospital.com both 2008

7 Reasons to Plan Your Business Insurance 

95% of SME’s in the Hong Kong have no form of Business Protection Insurance1

  1. In HKG the top three killers are cancer, heart diseases and pneumonia which accounted for 60% of total deaths2
  2. Deaths from heart disease in HKG have increased by more than 30% in the last ten years2
  3. 1.5 million with hypertension in HKG, posing risk of heart diseases and stroke2
  4. The average age for Critical Illness claims for Zurich is 47
  5. Costs of surviving a Critical Illness such as Cancer in HKG can be over HKD5 million
  6. Often the business interest is the primary asset to the business owner.

Source:

  1. Legal & General
  2. Hong Kong Annual Digest of Statistics (2009)

Insurance The Facts

Almost everybody knows someone who has suffered a heart attack, heart bypass, cancer or a stroke. With improvements in modern medicine leading to higher recovery rates, Critical Illness cover can pay out a TAX FREE lump sum of money if you are diagnosed as having contracted a critical illness.

Critical Illness “The Facts”

  • You are 5 times more likely to suffer from a critical illness than to die before your retirement.
  • 1 in 4 men and 1 in 5 women will contract one of the illnesses covered by a standard critical illness policy before they reach 70 years of age.
  • 95% of strokes occur in people aged 45 and older. From age 55 the rate of strokes doubles every 10 years.

Critical Illness Hong Kong

  • Cancer accounts for 75.5% of critical illness claims, with the average age being 43.7 years old.
  • 6% of all claims are for strokes, with an average age of 47.5.
  • 4.8% of claims are due to heat attacks, with an average age of 48.8.

The Cost Of Surviving A Critical Illness

If you should be diagnosed with a critical illness; how would you meet YOUR financial commitments? Yes we are back to our homes, your cars, and your yachts.

But just as importantly what would happen to YOUR business financially if a Director, a Partner or a Keyman contracted a critical illness. What would their absence – perhaps permanent – from work mean to YOUR business; loss of orders, loss of goodwill, loss of expertise, loss of management and leadership ability?

What is the PRICE TAG?

Would a Capital Injection of TAX FREE CASH help YOUR business at this critical time?

The Consequences Of Not Recovering Properly

“A Vicious Circle”

Keyman / Key Person Business Insurance

What would happen to YOUR business financially if a Keyman / Key Person (your top sales person, architect, IT programmer, accountant, lawyer) prematurely died today. What would their “Permanent” absence from work mean to YOUR business; loss of orders, loss of good will, loss of expertise, loss of management and leadership ability? How much time and money will it take to replace them?

What is the PRICE TAG?

Would a Capital Injection of TAX FREE CASH help YOUR business at this critical time?

Shareholder Protection – “Buy Sell Agreement” / “Buyout Agreement”

(Business Succession Planning)

What would happen to YOUR business if a shareholder (Director / Partner who holds shares in YOUR BUSINESS) prematurely died today. Who takes over their shares? Will they control the business? Do you want them to control the business? What problems would you face?

Remember its YOUR BUSINESS; you built it and you manage it; DO NOT LOSE CONTROL!

What is the PRICE TAG to regain control of YOUR BUSINESS?

Would a Capital Injection of TAX FREE CASH help YOUR business at this critical time?

The CASH provided by a “Buy / Sell” agreement would allow you to purchase the shares and regain control of YOUR BUSINESS; the business that you built.

Shareholder Business Insurance – “Buy Sell” Agreement Multiple Shareholders (Business Succession Planning)

What would happen to YOUR business if a shareholder (Director / Partner who holds shares in YOUR BUSINESS) prematurely died today. Who takes over their shares? Will they control the business? Do you want them to control the business? What problems would you face?

Remember its YOUR BUSINESS; you built it and you manage it; DO NOT LOSE CONTROL!

What is the PRICE TAG to regain control of YOUR BUSINESS?

Would a Capital Injection of TAX FREE CASH help YOUR business at this critical time?

The CASH provided by a “Buy / Sell” agreement would allow you to purchase the shares and regain control of YOUR BUSINESS; the business that you built.

Relevant Business Insurance – Life Cover

Director / Shareholder “Death In Service” Insurance Benefits

As a shareholder in your business you have probably spent your time and money building your business over time. This has produced an income stream for you and your family to live on and enjoy a certain lifestyle.

It has also of course produced an “Equity Value”; but how much is this worth and just as importantly in the event of your premature death how and when will your family and dependents receive the equity value in cash. The problem is the equity value is “Locked-up” within your business (its the machines, the buildings, the stock and work in progress, its the goodwill). How can you get this value out in cash in the event of your premature death so your family can carry on financially?

Has your business today got sufficient capital to buy your shares at their “TRUE” value?

Business Insurance – For A Sole Trader

Tom Fisher is married to Jenny and they have two children aged 4 and 6. Tom has built his Bakery business over the last 18 years (Tom is a Sole Trader and owns 100% of “HIS” business).

Tom remembers when he started his business with a personal loan from his Uncle; Tom worked very hard with a typical 60 hour week (although as every sole trader will testify, you can add “At least” another 10 hours to that – as you never stop thinking about, and planning for YOUR business) in order to build his business; and to repay his Uncle in the first 2 years.

Some 18 years later Tom’s business is valued by his accountant at some 500,000 USD. Tom’s business is famous locally for both the quality of its products and the levels of service provided by Tom, who always has time to talk with his customers – in fact as with many small family run businesses ““Tom” is the Business; and the Business is Tom”” – one could not survive without the other.

Yesterday Tom died.

Some 4 weeks later Jenney was at a loss as to how to pay all of the bills that kept arriving not just for “Toms” business (which she did not understand), but also household bills.

Jenney went to see Tom’s accountant David.

David explained that virtually all of Tom’s money was tied up in what he called “Capital”; and went on to explain that although the company was valued last year at some 500,000 USD it mainly consisted of Bricks and Mortar (the bakery premises), Stock, Work In Progress, and Good Will (Tom).

David went on and explained that this “Capital” was “Illiquid” and would take some time to turn into cash and at a much reduced level if Jenny required cash anytime soon.

Jenny had a mortgage and family to look after.

Jenny realising her situation as having no business knowledge – with two children aged 4 and 6 to look after, a mortgage to pay, together with household bills; agrees to sell “TOMS BUSINESS” at 25% of its true value (she is upset about this as she realises that her deceased husband Tom put 18 years of his life into his business for the benefit of their family; and his work value could not be realised when it was needed most – TO PROVIDE FOR THE ONGOING FINANCIAL SECIRITY OF THEIR FAMILY.

Would you life to explore how we can always sell you business at the correct value in the event of your premature death.

Business Insurance – For A Private Limited Company

A Private Limited Company “ATL” has a market value of 1,000,000 USD. The two Directors each hold together 100% of the shares. David Smith holds 80% of the shares and Tom Brown holds 20% of the shares. Both Directors are married with two children aged 2 and 4.

Scenario 1 Mr David Smith Prematurely Died Yesterday

Mrs Smith a house wife for 20 years now is the majority shareholder and controls the company; and has arrived for a board meeting to set out her plans for the company. Mr Brown has put 20 years of his life into the company and is not happy.

Mrs Smith realising that she has no business experience wishes to sell her shares for 800,000 USD (their fair market value), so that she can provide for her two children aged 2 and 4. Mr Brown has only 50,000 USD in personal savings and 50,000 USD in the company bank account – he cannot purchase the shares.

Mrs Smith therefore agrees to sell – to a third party, a new shareholder – the shares at 20% of their value (she is upset about this, as she realises that her deceased husband Mr Smith put 20 years of his life into the company for the benefit of their family; and his work value could not be realised when it was needed most – TO PROVIDE FOR THE ONGOING FINANCIAL SECIRITY OF THEIR FAMILY). Mr Brown is very unhappy as the new shareholder acquired an 80% shareholding at 20% of the value; and he has lost control of the company that he helped to build over a 20 year period.

Scenario 2 Mr Tom Brown Prematurely Died Yesterday

Mrs Brown a house wife for 20 years with no business experience is now a minority shareholder of the company. Mr Brown has put 20 years of his life into the company, and Mrs Brown realizing that she has no business experiences is looking forward to selling her 20% shareholding for 200,000 USD (their fair market value), so that she can provide for her two children aged 2 and 4.

Mr Smith is, as before, the majority shareholder in the company. He realises that he can ignore Mrs Browns request for a seat on the board, company dividends and anything else that she demands with her minority shareholding. However to gain total control and put a stop to Mrs Brown’s telephone calls, he wishes to purchase her shares. But Mr Smith has only 50,000 USD in the company bank account – he cannot purchase the shares for 200,000 USD.

Mrs Brown realising her situation as a minority shareholder – with two children aged 2 and 4 to look after; agrees to sell the shares at 25% of their value (she is upset about this as she realises that her deceased husband Mr Brown put 20 years of his life into the company for the benefit of their family; and his work value could not be realised when it was needed most – TO PROVIDE FOR THE ONGOING FINANCIAL SECIRITY OF THEIR FAMILY).

Mr Smith feels guilty in that he would have preferred to look after his deceased partners spouse by purchasing the shares from Mrs Brown for their market value of 200,000 USD, so that she could provide for her two children aged 2 and 4. He wonders what would have been the situation if he had died yesterday. Here we have outlined some of the issues surrounding the premature death of a shareholder, of a Private Limited Company; for the surviving shareholder and the spouse of the deceased shareholder. Neither of whom entered into business to encounter those situations.

We can now explore more critical issues for the survival of the “Company” on the premature death or absence of a shareholder / Keyman; as outlined below. Please note that the generic issues outlined apply to any company no matter what its underlying structure – Sole Trader, Partnership, Private Limited Company, or Public Limited Company.

The Solutions – A Case Study

Business Protection Insurance Hong Kong

Case Study

ABC Ltd (HK)

 ABC Ltd Incorportated 1995; 10 years later 2010

ABC Ltd is a family owned import / export business established and currently owned by the founding members Mr David Jones and his sister Mrs Susan Jones, and Mr David Smith. The shares holdings are as follows:

Mr David Jones                                    40%

Mrs Susan Jones                                  40%

Mr David Smith                                    20%

ABC Ltd is a successful ongoing business, which has seen major increases in sales revenues and pre-tax profits over the last 3 years. The Directors see this as ongoing particularly over the short term 3-5 years with their expansion into Europe.

USD

Turnover 2011 (up 15% on 2010)                                                      5,000,000

Pre-tax profits (up 19% on 2010)                                                      1,800,000

Company Market Value                                                                      20,000,000

Current Liabilities (due within 12 months)                                   1,125,000

Current Assets (Cash in Bank)                                                               275,000

The Directors

Mr David Jones   (CFO)

(40% shareholding) is 58 years old and is married to Philippa age 56.

Mrs Susan Jones (CEO Sales)  

(40% shareholding) is 43 years old divorced and lives with her 3 dependent children; Tom age 11, Susan age 9, and Jackie age 3.

Mr John Smith    (CEO Operations)

(20% shareholding) is 45 years old and is married with a young family. Simon age 5 and Julie age 4. His wife Sandra aged 30 looks after the home, and has not worked for some 8 years; she has looked after the family.

Historical Context

December 2010

During a business trip by Susan Jones to a key account holder in Europe; on the return journey

Susan has a Heart Attack. The prognosis is favourable and she will return to work in 8 weeks.

John Smith dies of a heart attack leaving his wife and children without an income.

Out of respect ABC Ltd closes for 2 weeks.

January 2011

David Jones (The CFO) reopens the family business recognising the Directors responsibility to their employees and customers; who although understanding, also have their own businesses to operate.

The Current Situation

  1. On David Jones return to work; Sandra Smith is waiting in his office with her 20% shares, demanding a seat on the board on FULL Directors salary and benefits.
  2. Susan Jones was responsible for the major account in Europe (representing some 82% of new business and 45% ongoing turnover). The European Key Account holder (James Everard) is waiting in the board room concerned about the continuity of the business relationship.
  3. In the interim James has suspended all transactions over the last 10 days; and his latest memorandum stated that he would review matters in “3 months”. He is looking for reassurance from David.
  4. ABC Ltd bankers who introduced James to ABC Ltd, are aware of the significance of the European business, and have scheduled a meeting with David at 2 pm.
  5. Meanwhile Sandra’s friends and family are suggesting that she sells her shares valued at 20% of the business currently (20,000,000 x 20%) 4,000,000 USD.

Extrapolating The Situation

1.      “On David Jones return to work; Mrs Sandra Smith is waiting in his office with her 20% shares, demanding a seat on the board on FULL Directors salary and benefits”.

David the surviving Director of ABC Ltd certainly did not want to welcome Sandra to his board (after all he has built and managed the business since 1995). Sandra has not worked for some 8 years; and has no experience or qualifications to manage a business.

While, Sandra’s husband John Smith had planned that his shareholding on his retirement or his premature death could be sold to provide a cash lump sum of money for his family.

2.      Susan Jones was responsible for the major account in Europe (representing some 82% of new business and 45% ongoing). The European Key Account (James Everard) holder is waiting in the board room concerned about the continuity of the business relationship.

This is a major problem as Susan is the CEO regarding sales for ABC Ltd; and has a close working relationship with James Everard. Without Susan it is doubtful that the account can be secured.

3.     In the interim James has suspended all transactions over the last 10 days; and his latest memorandum stated that he would review matters in “3 months”; as his relationship was with Susan.

Again this highlights the business issues surrounding the loss of a “Key Person”.

4.      ABC Ltd bankers who introduced James to ABC Ltd, are aware of the significance of the European business, and have scheduled a meeting with David at 2 pm.

Cash flow is the “Life Blood” of any business; in particular when the “Bankers” come looking for money. ABC Ltd currently has 275,000 USD in cash, but a bank loan of 1,250,000 USD – what are they going to do?

5.      Meanwhile Sandra’s friends and family are suggesting that she sells her shares valued at 20% of the business currently (20,000,000 x 20%) 4,000,000 USD.

The problem for Susan is that although the shares “Technically” might be valued at 4,000,000 USD; her 20% is a minority shareholding in a limited company. The shares therefore have limited marketability / value; as they do not represent a “Controlling Interest”.

This is not what John Smith had planned for his shareholding in the business. He wanted it to provide for the ongoing financial security for his family.

Insuring YOUR Business

FortunatelyDavid Jones (The CFO) was very experienced in business matters.

David had consulted with a leading Wealth Management Hong Kong some years previously.

January 14th

David contacted the Companies Corporate Wealth Manager – Wealth Management Hong Kong – who in the previous 10 days had been in constant contact with the claims department of the insurance company holding ABC ltd (Contingency Plan) policies; that he arranged for the Directors some 3 years ago.

January 15th – 22nd

1.      “On David Jones return to work; Mrs Sandra Smith is waiting in his office with her 20% shares, demanding a seat on the board on FULL Directors salary and benefits”.

Meanwhile Sandra’s friends and family are suggesting that she sells her shares valued at 20% of the business currently (20,000,000 x 20%) 4,000,000 USD.

A payment 4,000,000 USD is credited to ABC Ltd bank account from an “Shareholder protection”contract set up by Gary Williams; allowing automatic payment (buy-out) of a shareholder on their premature death by the remaining shareholders

This allows David to buy the 20% shareholding from Sandra – without impacting on ABC Ltd cash flow – and removing Sandra’s forlorn hope of a position on the board of ABC Ltd.

This puts David firmly back in control of his business; with no interference from Sandra.

It also carries out John Smith’s wishes for the ongoing security of his family.

While, Sandra’s husband John Smith had planned that his shareholding on his retirement or his premature death could be sold to provide a cash lump sum of money for his family.

2.      Susan Jones was responsible for the major account in Europe (representing some 82% of new business and 45% ongoing). The European Key Account (James Everard) holder is waiting in the board room concerned about the continuity of the business relationship.

An additional 4,000,000 USD is credited to ABC Ltd bank as David arranged through Wealth Management Hong Kong in the event of a major account manager (Susan Jones) contracting a critical illness (Heart Attack); this provides cash to the business to compensate for the losses caused by Susan’s absence. On Susan’s return to work in 8 weeks time, she can make arrangements to secure the contract with James Everard.

Here Wealth Management Hong Kong put in place “Keyman Protection” to provide “Cash Flow”, and time to recover the relationship with James and secure the ongoing European business (45% of current turnover).

3.      ABC Ltd bankers who introduced James to ABC Ltd, are aware of the significance of the European business, and have scheduled a meeting with David at 2 pm.

A further amount is credited to ABC Ltd bank account for 1,500,000 USD from the insurance policy set up by Wealth Management Hong Kong 3 years ago. This amount is more than enough to settle the outstanding current liabilities with the bank (1,250,000 USD).

David being a prudent CFO; arranged “Loan Protection” on ABC Ltd current liabilities with their bank.

Relevant Life Cover

Director / Shareholder “Death In Service” Benefits

David also arranged through us the Director’s “Personal Death In Service” life insurance. This paid out on John Smith’s premature death a sum of 1,000,000 USD; this provided additional financial security for David’s family in their time of need – just as David had planned for.

This adds to John Smith’s wishes for the provision of the ongoing financial security of his family.

While, Sandra’s husband John Smith had planned that his shareholding on his retirement or his premature death could be sold to provide a cash lump sum of money for his family.

So Where Are We?

Do You Have A “Contingency Plan” for YOUR BUSINESS?

When a Shareholder (A shareholding Director or Partner in your business) or as Key Person, leaves your business it is usually for one of the following reasons

  1. Premature Death – resulting in their permanent absence.
  2. A Critical Illness – resulting in their retirement or period / permanent absence.
  3. Their Retirement – resulting in their permanent absence.

All three events can cause a catastrophic “Cash Flow” crisis within any business; here is a reminder why:

Premature Death – Sudden departure from the business

  • Loss of expertise
  • Loss of orders
  • Loss of revenue
  • Purchase of the shareholders shares to regain control of your business
  • Corporate responsibility to shareholder and shareholder’s family

At this time; an injection of CASH can be critical to your business’s survival. When a business suffers a catastrophic event “CASH FLOW” is “ESSENTIAL” for the business’s survival.

Critical Illness – Sudden departure from the business

  • Loss of expertise
  • Loss of orders
  • Loss of revenue
  • Purchase of the shareholders shares to regain control of your business if permanent.
  • Corporate responsibility to shareholder and shareholder’s family

At this time; an injection of CASH can be critical to your business’s survival. When a business suffers a catastrophic event “CASH FLOW” is “ESSENTIAL” for the business’s survival.

Retirement – Departure from the business

  • Purchase of the shareholders shares to regain control of your business
  • Loss of expertise
  • Loss of orders
  • Loss of revenue
  • Corporate responsibility to shareholder and shareholder’s family

At this time; an injection of CASH can be critical to your business’s survival. When a business suffers a catastrophic event “CASH FLOW” is “ESSENTIAL” for the business’s survival.

When the CASH is needed it can be provided at a fraction of the cost of the “Critical Event”. In addition should the event not occur the “Contingency Plan” will have built up a CASH value that bolsters a company’s Balance Sheet – saliently with a CASH VALUE – which can be drawdown or borrowed against.

So will your Contingency Plan – help your business. Well;

  • It mitigates any loss of revenue
  • It provides the means to purchase the shareholders shares to regain control of your business
  • It provides “Cash Flow” (the “Life Blood: of any business) to repay loans
  • It builds your companies “Balance Sheet” with a CASH VALUE
  • You can drawdown (with draw the cash value) at anytime
  • You can borrow against the CASH VALUE

So What Have We Learned

The critical events of a Shareholder or Keymen / Key Person / Manager suddenly leaving your business through premature death, contracting a critical illness or on their retirement can be mitigated by the use of Financial Instruments.

In addition should the critical events not occur, the Financial Instruments have a CASH VALUE which builds up your businesses “OFF Balance Sheet VALUE” which can be utilised just as if it were CASH.

Business Insurance Hong Kong

Nobody Can Predict The Future

But Everybody Can

Protect It

“A drop of ink, a piece of paper, and the promise to pay”

The value of YOUR “Contingency Plan” is the ‘Peace Of Mind’ in knowing that should your Keyman / Key Person, Shareholders, prematurely die or contract a critical illness; or should your Current Liabilities become payable due to your Keyman / Key Person, Shareholders prematurely die or contract a critical illness. Then these “Critical Events” to YOUR BUSINESS will not result in financial hardship to YOU, YOUR Business or YOUR FAMILY when the Key Person walks out of YOUR business.

Interested In Exploring YOUR Business Insurance Options

Then initially please call us now or use the contact form on this page and we will reply to you on the same day. Thank you for your enquiry.

“With over 20 years of experience as International Independent Financial Advisers we provide specialist advice, together with extensive international experience. Providing our clients with the experience and expertise that they are looking for” – Why Don’t you “Give us a try”!

We are here to answer your questions, and explore your options together.

FREE Business Protection Guide

You can download your FREE Business Protection Guide here Business Protection Insurance

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1075 Central Building

1-3 Pedder Street

Central

Hong Kong

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