Tailor Made

Flexibility and personalization are the key words to understand a product like private life insurance.

Flexibility and personalisation are key words that define Private Life Insurance. Such features enable the policy to match the client’s expectations perfectly, and to develop in line with his changing family and financial circumstances.


Big Insurance Brokers works hand-in-hand with many of the leading insurance companies worldwide in order to offer clients a variety of exclusive products. We aim to deliver a coherent, personalised solution tailored to the client’s specific protection and planning needs, taking in to account the scope and diversity of his investments.

We develop our proposals by analysing each individual case in detail, with the goal of providing the most qualified independent insurance advice available.


A life insurance contract

ALTERNATIVE UNIT-LINKED

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This is a single premium life insurance contract offering various types of coverage within the same policy. It is a very flexible insurance instrument, combining features of a unit-linked policy and a dedicated fund. It is thus possible to combine an investment linked to the financial markets with a capital guarantee.

GENERAL FUND
The premium is invested in a portfolio of securities managed separately from the other assets held by the insurance company. The value of the relevant insurance contracts hence varies in line with the performance of the underlying portfolio. A minimum guaranteed rate is defined annually according to the conditions agreed at the inception of the contract.

DEDICATED FUND
The client appoints an investment manager to manage the underlying portfolio according to his risk profile. Under this scenario there is no capital protection and no guaranteed minimum return.

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