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Our work is not only about growing wealth, we are also committed to protecting it. One of the ways we do this is by incorporating appropriate insurance cover into our comprehensive financial planning models.

Our work is not only about growing wealth, we are also committed to protecting it. One of the ways we do this is by incorporating appropriate insurance cover into our comprehensive financial planning models.  


Why do we buy insurance? We don’t buy it because it’s likely we’re going to use it. We buy insurance to offset the disruptive and even catastrophic consequences of potential events in our lives such as illness, disability, and premature death. We use a number of different types of insurances in order to address these threats to your health and happiness, and to protect what you’ve earned. There are primarily four types of insurances we implement for our clients: life, medical, critical illness, and disability/income protection cover. We will go through each of these briefly to cover the basics of what they are and why they are needed.


Contingency planning for one’s death is a somewhat macabre subject that most people would probably rather avoid thinking about. No one buys life insurance hoping to use it one day, but nor should you think that you are invincible and will never need it. However it cannot be avoided, the financial fallout upon those you leave behind can be dramatic.
We buy life insurance because in case something does happen to us, the consequences for our loved ones could be catastrophic:

- What would your spouse and children do? Stay in the country? Rush home to rebuild their lives?
- Where would they live and how much would it cost?
- Would they have to pay off debts you owe? i.e. mortgages, loans, credit cards etc.,
- Would your spouse be able to find work or even be in an emotional state to work?

These are real life issues that require proper planning, particularly for expatriates dealing with them far from home.

But what exactly is life insurance?

It is an agreement between you and an insurer where the insurer promises to pay a certain lump sum to a person you choose (your beneficiary) upon your death, in exchange for your premium payments.

Proper life insurance coverage should provide you with the peace of mind knowing that those you care about will be financially protected in the event of your death. Life insurance achieves this is by replacing the loss of income caused by a death, paying any debts and taxes left behind (such as mortgages, car loans, credit card debts etc.), leaving other remaining assets intact for your family. Life insurance can also create an estate for your heirs, leaving a guaranteed inheritance for your children and passing on your legacy.


Even if you’re young and healthy, medical insurance is the one type of protection that you will most certainly need at some point. Medical treatment can be hugely expensive, and while medical insurance isn’t cheap, it will certainly save you money if you find yourself.

However choosing medical cover can be complicated. Working with us, you can leverage the more than ten years of industry experience in the UAE that the Team and the Holborn Group provides. Moreover, because we are independent and have access to all the major international health plans, we will find the right medical coverage, whether individual or group, for your needs


Over the past 75 years, life expectancy have risen dramatically. Despite this trend, we all face the risks of critical illness and premature death. Statistics show that men under 65 have a 1 in 5 chance of suffering a serious illness, while for women the chances increase to 1 in 6.

It is important to remember that it’s not just the risk of dying from a critical illness, but also the implications of surviving one that need to be considered. Medical advances mean more and more people are surviving critical illnesses, but this in turn means that more people are taking prolonged periods of time off work for treatment and recovery, which can have a huge impact on their personal finances. Critical illness policies pay out a lump sum should you be diagnosed with a critical illness in order to help you cover your medical bills, transportation and loss of income.

Taking out one of these policies can help you to ensure that you, your home and your family are protected should the worst happen.


Income Protection Insurance is an insurance policy that pays benefits to policyholders who are incapacitated and hence unable to work due to illness or accident. They are also known as Permanent Health Insurance. Most policies limit the benefit payable to 75% of the policy holder’s normal gross earnings. Any state benefits payable are included in the calculations which may reduce the benefit to be paid. It is common practice to have a deferred period between the claim and the commencement of benefits.

To encourage the policyholder to return to work many products offer to pay a reduced benefit if the policyholder takes a part-time or lower-paid position after recovering their health. Frequent assessments are needed to secure continued payments.


If you are lacking protection in any of these areas, the best time to buy insurance is now: you are most insurable when fit and healthy. Taking these steps can help you ensure that you are covered in order to secure the future well-being of your family and yourself, thereby taking steps towards financial security.

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