Personal insurance

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.


    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.