• Step One: Select the profile you fit into the best. Read up on the explanations, facts and examples provided to guide you in making the right decisions. At any point in time when you have problems, you can call or e-mail our friendly client service consultant for help.

• Step Two: Once you have made your final selection, our powerful analysis tool will present to you the following:
  
  • estimated premium quotes for the selected insurance coverage
  • estimated amount of commissions to be rebated back to you
  • advisory fees to be paid to us
  • estimated savings you will enjoy (i.e commissions rebate less the advisory fee) If you are pleased with the potential savings, and more importantly the unbiased advice we can provide to you, you can proceed to notify us of your interest by a click of a button.

• Step Three: Our friendly consultant will contact you shortly to make an appointment to explain to you the terms and conditions* of engaging us. Upon engaging us, we will then start preparing the detailed recommendation report that will incorporate the most suitable product(s) to meet your needs. With your approval of the recommendations, we will then guide you in completing the application forms and help you to follow up on the applications till the policies are issued to you.

* In the terms and conditions, we will make full disclosure to you and establish the scope of advisory and administration work clearly. Our commitment to rebate the commissions to you in full will also be disclosed in writing.

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