Insurance Solutions

Coverage limits should reflect your total insurable exposure, including asset replacement costs, anticipated revenue at risk, and potential third-party liability magnitude. During our discovery process, we conduct a quantitative risk assessment to recommend limits that eliminate underinsurance gaps without inflating premiums.

Yes. Whole life, term life, and critical illness policies can be placed in trust or assigned via irrevocable beneficiary nominations. We coordinate directly with your estate planning counsel to ensure policy structures align with your wider succession strategy.

Simple claims—such as personal accident medical reimbursement—are typically settled within 5 to 7 business days. Complex commercial claims involving forensic accounting may extend to 30 to 60 days. We assign a dedicated claims advocate to every notification to accelerate documentation and insurer negotiation.

Absolutely. We structure multinational programmes using controlled master policies with local admitted paper where required. This ensures regulatory compliance in each operating territory while maintaining centralised coverage consistency and consolidated reporting.

Group health policies typically cover pre-existing conditions from day one, provided the group meets minimum participation thresholds and the scheme is medically underwritten at a portfolio level rather than individually. We negotiate this explicitly with insurers during the quotation stage.