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  • Your assets/resources (physical, monetary or human) are, in varying degrees, exposed to risks of loss, damage or injury.
  • Your inability to identify risks correctly and determine appropriate insurance solutions.
  • The very technical nature of insurance creates a knowledge gap. You may get minimum cover at maximum cost.
  • Having put insurance in place, the wordings/clauses/tiny prints in policy documents may not be clearly understood/ interpreted by you.
  • In event of claims, you may not get settled on a timely or equitable basis where insurance is done directly with the insurer.
  • Lack of regular/periodic review of insurance programmes.

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justice is the insurance which we have on our lives and property. Obedience is the premium which we pay for it.