Tailored Benefits

The primary objective of this corporate specialist division is to provide corporate and financial advisory services to our clients, with specific emphasis on adding value via the structure and implementation of corporate and financial strategies.

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Group Risk benefits refer to insurance coverages provided to a group of employees by their employer. These benefits typically include life insurance, disability insurance, and critical illness insurance. They are designed to provide financial protection to employees and their families in the event of death, disability, or serious illness.

Group Retirement benefits pertain to retirement savings plans offered by employers to their employees. These plans, such as pension schemes enable employees to save for their retirement with contributions made by both the employer and the employee. The funds are invested and accumulate over time, providing a source of income during retirement.

Pension Funds
Pension funds are investment pools managed by financial institutions or pension fund administrators. These funds are typically funded by contributions from employers, employees, or both, and are primarily intended to provide retirement income to employees after they stop working. The funds are invested in various assets, such as stocks, bonds, and real estate, with the goal of growing the fund's value over time.
Provident Funds
Provident Funds are similar to pension funds, but they have some differences in terms of regulations and features. Provident Funds are typically defined contribution retirement plans where both the employer and the employee make contributions. The funds accumulate over time and can be withdrawn by the employee upon retirement or termination of employment.
Group RAs (Retirement Annuities)
Group RAs are retirement annuity products offered to a group of employees by their employer. Retirement annuities are investment products specifically designed for retirement savings. Contributions made by employees are invested and accumulate over time, and upon retirement, the funds are used to provide a regular income stream.

Wellness Consulting refers to the provision of services and guidance aimed at promoting and improving the well-being of employees. In the context of corporate insurance, wellness consulting may include programs and initiatives focused on physical health, mental health, stress management, healthy lifestyle choices, and other wellness-related areas. The goal is to enhance employee well-being, productivity, and overall job satisfaction.

Investment Consulting involves providing advice and guidance to employees on their investment decisions. In the context of corporate insurance, investment consulting may be offered as part of retirement benefits programs. It aims to help employees make informed investment choices within their retirement savings plans, providing information on investment options, risk management, asset allocation, and long-term financial planning.

Individualised and tailored one-on-one financial planning consulting refers to personalised financial advice and guidance provided to individual employees. This consulting typically involves comprehensive financial planning services, considering the employee's specific financial goals, risk tolerance, and current financial situation. The consultant works closely with the employee to develop a customised plan that addresses their unique needs, covering areas such as retirement planning, investment strategies, tax planning, estate planning, and risk management.