Solutions Offered

Key Business Insurance solutions at a glance:

Life Insurance:
Keyman Insurance 1
  • Protect the business in the event of a key person’s demise;
  • Assure customers and creditors of a smooth business transition;
  • While the company is looking for a suitable key person replacement, it provides liquidity which would enable day-to-day business operations to continue uninterrupted;
  • Reduce liquidity risk upon the death of a key person;
  • Policy can be treated as the business asset and used as collateral for business loan or emergency cash for loan repayment if needed.
Employee Benefit 1
  • Employee benefit plans rewards and recognizes your best employees.
  • Offer employee a sizable life protection as part of employee compensation;
  • Achieve both savings and protection goals in one policy;
Capital Appreciation 1
  • Assist to build a solid financial base for long-term saving;
  • Accumulate your wealth with upside potential return;
  • To enable a comfortable retirement with your loved ones by creating an income stream.
Succession Planning 1
  • In the event of the death of the Life Assured, it provides a pool of funds whilst giving you an option to keep the family business for the loved ones;
  • Great confidentiality to appoint beneficiaries and keep them anonymous
  • Provide peace of mind for wealth distribution
General Insurance:
Cargo Insurance 2
  • Rest assured of your outgoing goods in against loss or damage
Fire Insurance 2
  • Keep your business protected against damages caused by fire, lightning or explosion to the building structure of your business premises.
Motor Insurance 2
  • Covers vehicles of your company against accidental damage, theft and liabilities towards third parties
Public Liability Insurance 2
  • Protect your business against third party bodily injuries or accidental property damages to third party

Terms and Conditions


  1. The life assurance plans are life insurance products underwritten by Prudential Hong Kong Limited (a member of Prudential plc group) ("Prudential") and distributed by Standard Chartered Bank (Hong Kong) Limited ("Standard Chartered"). Some of these plans may have a savings element, in which case, part of the premium will be used to pay for the insurance and related costs. A customer who has bought the life assurance plans has a right to cancel the policy within the cooling-off period and obtain a refund of any premium(s) paid less any withdrawals. Provided that no claim has been made, the customer may cancel the policy by giving written notice to Prudential within 21 days after: (a) the delivery of the policy or (b) the issuance of a notice (informing the availability of the policy and expiry date of the cooling off period) to the customer / his / her representative, whichever is earlier. After the cooling off period expires, if a customer cancels the policy before the end of its policy term, the projected cash value may be substantially less than the total amount of premiums paid.

    As the issuer of the life assurance plans, Prudential will be responsible for all protection and claims issues. Prudential is not an associate or subsidiary company of Standard Chartered. This webpage is not a contract of insurance and is intended to be a general summary for reference purpose only. Please refer to the policy for full terms and conditions. Standard Chartered does not accept any responsibilities regarding any statements provided by Prudential or any discrepancies or omissions in the contract of insurance nor shall Standard Chartered be held liable in any manner whatsoever in relation to your contract of insurance.

    This webpage is intended to be valid in Hong Kong only and shall not be construed as an offer to sell or solicitation to buy or provision of any insurance product outside Hong Kong. Prudential and Standard Chartered do not offer or sell any insurance product in any jurisdictions outside Hong Kong in which such offering or sale of the insurance product is illegal under the laws of such jurisdictions. This webpage does not constitute a contract of insurance or an offer, invitations or recommendation to any person to enter into any contract of insurance or any transaction described therein or any similar transaction.

    Whether to apply for insurance coverage is your own individual decision. For Prudential's life assurance plan policy provisions, details and risk disclosure please refer to relevant plan's product leaflet/offering document and specimen policy.
  2. The insurance plans are underwritten by MSIG Insurance (Hong Kong) Limited ("MSIG") which is a general insurer authorized and regulated by the Commissioner of Insurance of the HKSAR.

    Standard Chartered is an insurance agent of Prudential and MSIG.

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