Corporate Financial Advisory

Employee Benefits

It's never easy to find good employees, what's more to retain them. Good employers usually do something extra to make them stay and having good employee benefits goes a long way in retaining these quality employees.

Here in CTFG, we offer advice and solutions to protect your company’s most valuable asset – its people.

Group Term Life

Providing your employees with life insurance so they can focus on more important things – their work.

Group Critical Illness

Protecting your employees against critical illnesses so they can focus on recovery.

Group Personal Accident

Supporting employees who get into an accident while working.

Group Hospital and Surgical

Making hospitalisation and surgery affordable for your hardworking employees.

Out-Patient Specialist and Clinical

Helping your employees get back on their feet so they can return to work with vigour

Business Continuity

Business risks must be minimised and continue with little disruption.

As a business owner, besides business risks, you will also face non-business risks that may have adverse economic impact on your company, however big or small.

We always strive to understand and complete your insurance needs where should the insured event occur, the economic impact would be minimised and your company can continue to operate with minimal disruption.

Protection against Fire and Extraneous Peril

Protecting your business properties from fire, flood, lightning and other non-commercial risks.

Director and Officer Insurance

Coping with the death of a director or an important officer is made easier.

Professional Indemnity

Protecting your business against legal implications to prevent legal fees from hindering your business’ growth.

Commercial Vehicle and Corporate Travel

Protecting your business vehicles, and covering your travel insurance to ensure a smooth business travel.

Commercial Business Planning

Think of it as passing the baton…

As a business owner, you are the lifeblood of your organisation, the driving force behind its success.

Have you considered what will happen to your business when you are ready to retire?

Do you have children or other family members ready to continue the family business? Or is there another successor in line who will be able to pick up the reins? If you died prematurely or became disabled, will the business you worked so hard to build be able to continue… and will your family be financially provided for?

Our representatives are trained to help business owners:

Plan to deal with the loss of a partner / key employee
Protect their income
Maximize their retirement benefits
Facilitate the continuation of their businesses
Making smart choices in estate planning

The tools we use include:

Business Continuity

Survive your partner’s and/or key employee’s death with an agreement to buy out the shares, and a funding mechanism to finance the purchase.

Protection for Owners’ Income

Make your business work for you by letting it protect you and your loved ones from permanent disability and sudden death.

Retirement Benefits

Set out your terms and conditions, and retire knowing your business will fund your retirement when you decide to step down.