Employee Benefits Commercial Insurance Medical Insurance Life & Key Man Insurance Personal Insurance Independent Financial Advice

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1 i.e. Security Cathay House, 1st Floor 8/6 North Sathorn Road, Silom Bangrak, Bangkok Tel: Fax: Web: Employee Benefits Commercial Insurance Medical Insurance Life & Key Man Insurance Personal Insurance Independent Financial Advice

2 What is Our Promise Our promise is to uphold the highest standards in the insurance industry delivered with the utmost integrity. At all times we represent our clients best interests. Understanding We are committed to understanding our clients, their industry and their unique needs. InsurExcellence always provides a truly personalised solution which is at the heart of the guidance, recommendation and service standards we offer. This is the InsurExcellence promise. We always listen before we act Our relationship with clients is typified by clear, complete and transparent communication. Upon appointment, and at renewal, we always provide our clients with a detailed description of the services we are offering and the value they provide. However, situations and risks change, and our flexible approach is designed to deliver on-going solutions through regular communication and review meetings. Quality We are committed to delivering world-class, quality services and feedback from our clients is an integral part of the development and improvement of our business practices and standards. The key is the professionalism, experience and commitment delivered by our dedicated and highly qualified team. Each member of the administration team is fully licensed and approved by the Office of Insurance Commission (OIC). On-going training is a vital factor in ensuring that we remain at the forefront of new developments within the insurance industry. Global Standards, Local Expertise We utilize global, regional and local partnerships to deliver the most secure and cost effective solutions to fulfil our clients risk management needs and business objectives, regardless of location. Whatever your insurance needs InsurExcellence promises what you need the most i.e. Security. InsurExcellence is an insurance broker that brings together the professionalism and expertise you would expect from top global insurers and the local knowledge of a team with decades of experience in Thailand and the Asia Pacific Region. Whether your needs cover Employee Benefits, Commercial, Medical, Life & Key Man, Personal Insurance, or Independent Financial Advice we will deliver what you need the most - Security. STEVE BELL Managing Director BARRY SCAIFE Director ROJCHAI SUKSAWASDI Director NAPAPORN AKSORNNAOWARAT Director

3 Employee Benefits In an increasingly global market place the recruitment and retention of highly qualified and motivated staff is of prime importance to all employers. These employees are vital to the success and future growth of your business. Employee benefit packages in different countries depend on many factors such as: customary practice; taxes; the demands and expectations of the employees; the local social security system and overall cost. The service InsurExcellence provides is based on applying these factors to create bespoke solutions for our clients. Services typically include: Full analysis and design of benefit packages Life Insurance Disability and Accident Insurance Medical Insurance Advice on funding methods Assistance with effective communication for employees Expatriate, local and regional solutions Claims management and reporting

4 Commercial Insurance When things go wrong in business the financial consequences can be severe. As well as the immediate cost of replacing damaged or destroyed assets, the likelihood of business interruption may also reduce capacity and affect the profitability of the company. All businesses face a wide range of operational risks that threaten property, people, operations and commercial activities. These risks can be summarised as follows: Property Professional Indemnity Marine and Aviation Motor Commercial General Liability Employers and Public Liability Business Interruption Product Liability Directors & Officers Errors & Omissions Trade Credit

5 Medical Insurance Living, working or retiring overseas as an expatriate can be exciting and has many benefits. Having access to appropriate medical treatment for you, your family and employees is vital. Whatever the situation, without adequate international medical insurance the cost of paying for even the most basic of care could be very high. Indeed in today s business world, travel is commonplace and may often take you to places where medical facilities are limited or non-existent. It is essential that any medical insurance scheme provides adequate cover for medical repatriation and evacuation. The answer for many expatriates, and companies employing expatriates, is international medical insurance and the peace of mind that this brings. This provides access to the most modern hospitals and highly qualified medical staff ensuring that you receive the best possible medical treatment should the need occur. InsurExcellence has a wealth of experience in the medical insurance business and will ensure that you and your company have access to the full range of products available in the market. For corporate clients we are able to design a tailor made solution which best suits the company s requirements and budget.

6 Life & Key Man Insurance Life Insurance Life insurance offers protection for your family and dependents in the event of your untimely death. It is designed to help with these important needs : It can provide financial assistance to your family members It can help you and your family prepare and plan for a secure financial future It can help preserve the value of assets you ve worked hard to accumulate throughout your working life (Inheritance tax planning) These Key people could include your fellow directors or business partners. Like anything in life, no one can foresee the future and the premature death or long-term disability of any of these people could harm and threaten your business or company profits or, even worse, could force the business or company to close. There is never a good time for a forced sale. Key Man insurance should be an essential part of the company s risk management programme; a small outlay could prevent a significant financial loss. Life insurance is one of the cornerstones in providing the on-going financial security and protection for your family and dependents. InsurExcellence ensures that whatever your company s circumstances we will find the most effective and appropriate solution available for your key employees. InsurExcellence has access to many leading insurance providers. We ensure that whatever your financial and health circumstances we can find the most effective and appropriate solution available. Key Man Insurance The success of any business is likely to depend on, and be influenced by, the hard work and exceptional contributions of a small number of key employees.

7 Personal Insurance InsurExcellence designs and manages personal insurance plans for individuals and negotiates with insurance companies on their behalf. Following a full and in-depth review of individual circumstances, we will undertake a confidential risk analysis. We will recommend a tailored solution specific to each individual client. We can provide coverage for: Home Contents Automotive Fine arts and jewellery Aircraft Watercraft Personal

8 Independent Financial Advice In today s world change is inevitable; flexibility in investment and financial planning is the only way to ensure a sound financial base, both now and into the future. Security is foremost in any financial planning exercise and this includes ensuring adequate protection in the event of the unexpected. We will work with you to understand your current, short and long term financial objectives and based on this information we will then provide you with a full financial review and recommendations for immediate and future action. Once protection is in place it is then possible to commence short, medium and long term financial strategies for the benefit of you, your family and dependents. Once you have reaped the rewards of your savings strategy, wealth protection will ensure that your money works just as hard as you did to earn it and can then be passed on to future generations. Our solutions include: Retirement planning Savings plans School/University fees planning Lump sum investment Life Insurance Critical Illness protection Tax and Estate Planning, including Wills