Personal Insurance


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Testimonials

“Having been with libra for more than 5years, I've found their service has been kept improving.”

Satisfied Client

“Libra wealth management is one of our core brokerage channel and they always demonstrate their extensive knowledge in both finanacial and insurance placing.”

Satisfied Client

“We are very impressed by their professional maneuvering which is able to provide their client with best insurance terms while protecting interest for insurance company”

Satisfied Client

“Their prompt reaction to the financial market and passionate customer service are consolidating their position as a professional Independent Finanancial Advisor to insure your risk management and wealth management is in good hands”

Satisfied Client

“Libra have been managing my portfolio since day one. The personal service especially with Joseph was exceptional and surprising Joseph still handle our account after his promotion. Most other companies would have pass my account to other staff. This show how much the company care about each and every customers”

Satisfied Client

How we are different.

  • We answer your calls 24/7

    Your consultant is available by phone /skype /email or MSN
    24 hours 365 days a year.

  • We guarantee quotes in 12Hours.

    Our Experts guarantee individual and corporate clients with the fastest most accurate and reliable plan comparisons in the market. Thus saving you Money and Time.


  • Daily updates on claims.

    We use our networks & relationships to ensure your claims are processed in the fastest , most efficient and effective way possible, minimizing worry and giving you peace of mind.

What is Risk Protection

A form of insurance on the life of a person. If the person dies then the insurance policy pays out a sum of money to the policyholder (such as a person's family)

A safety financial net which allows the insured to cover expenses that occur upon his death Basic insurance was developed over time to provide alternative choices for the insured and include additional coverage for disabilities this is why we will find various types

Types of life insurance:


Term Insurance

Term Insurance provides cover to an insured person for a specified term only or specific period of time . As benefits are only payable if the insured person dies during the period of cover, Term Life Insurance is one of the cheapest forms of life insurance as the insurance period will often pass without a claim.
Endowment Insurance

An Endowment Plan provides for the payment of the face amount at the end of a specified term or an earlier death. Technically this type of cover is a combination of both term insurance and pure endowment.

Whole Life Insurance
Whole Life Insurance quite literally will run for the whole of one’s life and the face amount is payable when the insured dies, whenever that might be.

Universal Life Insurance
Universal Health Insurance provides greater flexibility and choice to the insured person with flexible premiums and adjustable benefits.

Unit Linked insurance
The value of investment linked long term policies is directly associated or linked to the performance of investments that have been purchased with the premiums that have been paid. This type of cover is essentially an investment plan providing diversified

Do I need life insurance?

Your personal situation will determine whether or not you need life insurance. If you have no dependents or do not generate a large proportion of your family’s overall income, you probably will not need to consider life insurance. If your salary is important to your family’s financial future and the payment of education fees, mortgage and general bills then life insurance is important to ensure that these financial obligations continue to be met in the event of your death.

What type of policy should you buy?

Many insurance specialists recommend that those under the age of 50 and don't have a family history of life threatening illnesses should arrange term insurance which offers benefits in the event of your death but no cash or surrender value. On the other hand, whole life insurance offers both a death benefit and cash value, but costs more.

Blue Diamond can help you decide on the best plan for you by providing a free financial consultation and a comparison of the best insurance policies available.

How Much Life Insurance Do I need?

There is no set rule for determining the amount of life insurance you require as the level depends on a number of factors such as sources of income, how many people are dependent on your salary, your debts, and your lifestyle.

A general rule of thumb is between five and ten times your annual salary, however, if you are not sure what an appropriate amount is, you should discuss your needs with a registered insurance broker like Alliance Insurance Services.