Personal insurance

The things that matter most – your family, your health, and your income – are worth protecting.

Here at Private Capital, we provide personalised advice on which type of cover best suits your needs and requirements. This covers but is not limited to:

Why Private Capital?

Here at Private Capital, we have successful professional relationships with a high-quality panel of providers offering a range of solutions to meet our clients' bespoke needs.

We have access to market-leading plans at all budgets

Our team has more than 100 years’ collective financial experience, and from the start you will have a single named point of contact

Our collective ‘buying power’ ensures that our clients get the best cover at the best price.

Term life insurance

Term cover is invariably essential for most families. It offers protection through the payment of a lump sum in the unfortunate event of the individual’s death or on the diagnosis of a terminal illness.
The major benefit of term life insurance is assisting families to meet debts such as mortgages, leases and overdrafts, and day-to-day expenses that arise from loss of income.
Additional cover can also be taken against total permanent total disability (TPD).

Critical illness

A major illness happening to the earning member of a family may leave the other members in deep financial difficulty.
Critical illness cover offers protection to families against such financial hardships resulting from major illnesses. The policy pays a lump sum on the diagnosis of specified critical illness or disability.

Income protection

It is important that you start protecting your income right from the time when you are most capable of earning.
Income protection is the most efficient method of protecting your income, paying a regular sum to the policyholder after a deferred period whilst incapacitated and hence unable to work due to illness or accident.

FAQS

Private Capital Limited is a licensed corporation by the Securities and Futures Commission (SFC) in Hong Kong, licence number AFC470, for conducting regulated activities Type 4 (Advising on Securities) and Type 9 (Asset Management). More information can be found here.

All insurance advice is provided through PCL Insurance Services Limited, which is a licensed insurance broker with the Hong Kong Insurance Authority, licence number FB1315.

The following are the names and IA licence numbers of our Responsible Officers and Licenced representatives:

BATE Mathew James: IA2948

HARKINS Cliff: IA1796

KOMOT Tamiz: JC1147

ADKINSON George Alexander: JD2032

More information can be found here.

Private Capital is a Hong Kong based Financial Planning company providing holistic Financial Planning and investment management services to Families in Hong Kong. We specialise in advising clients with a connection to the United Kingdom, whether British citizens or not, on their ongoing affairs whilst non-UK resident as well as repatriation planning.

Private Capital is a fiduciary, fee-only, independent adviser paid solely by our clients, allowing our advice to be unaffected by conflicts of interest. Our portfolios are evidence-based and built on access to institutional-quality financial solutions at the lowest cost possible.

Private Capital are licensed by the Securities and Futures Commission of Hong Kong.