齐信私人有限公司

Wealth
Management
Solutions using
life insurance
Professional, tailored solutions for
UHNWs in SEA

For financial professional use only – not for public distribution.

PPT-262 1/2018
 Agenda 1. Who are we?
2. What do we offer?
3. Our Team
4. Case Studies

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 1

Who are We?

3
 Oversea-Chinese Banking Corporation Limited

In Summary:
▪ Founded in 1932

▪ World Third Strongest bank -Bloomberg 2015

▪ Second Largest Financial Group in Southeast Asia

Aa1 Rating from
Moody’s
▪ The Second largest banking group in Singapore in
term by total assets.

▪ Over 610 branches & representative offices in 18

countries and regions
▪ Employed 29,000 employees globally

1”Small World, Trends in the U.S. Small Business Market,” LIMRA, 2013.
This presentation is designed to provide general information on the subjects covered. Pursuant to IRS Circular 230, it is not,
however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or
recommend any tax plan or arrangement. Please note that Allianz Life Insurance Company of North America, its affiliated
4
companies, and their representatives and employees do not give legal or tax advice. You are encouraged to consult your tax
advisor or attorney.
 Great Eastern Life

In Summary:
▪ Substantially (87.73%) owned by OCBC Bank

▪ Founded in 1908
Rated AA- by
▪ US$40 Billion Total Asset Standard & Poor
▪ US$6,388 million Market Capitalization

▪ Rated AA- by Standard & Poor

1”Small World, Trends in the U.S. Small Business Market,” LIMRA, 2013.
This presentation is designed to provide general information on the subjects covered. Pursuant to IRS Circular 230, it is not,
however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or
recommend any tax plan or arrangement. Please note that Allianz Life Insurance Company of North America, its affiliated
companies,
5 and their representatives and employees do not give legal or tax advice. You are encouraged to consult your tax
advisor or attorney.
 Awards & Accolades

Many more…
Singapore Golden Jubilee Business
Awards
 2.

Our Team

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 Services:
• Medical Concierge
• Corporate Introducer Scheme

First Envoy
Pte Ltd
Rockwills
Loan
Group of
Facilities
Companies

Rockwills Services: 齐信私 Banks:

• Professional Will Writing 人有限 • RHB Bank
• Professional Will Custody • Bank of Singapore
• Professional Trustee Services 公司
• Professional Corporate
Services

8 For financial professional use only – not for use with the public.
9 For financial professional use only – not for use with the public.
RECAP: Why trust structures for Multi-Generational
Welath transfer?

Try answering the following questions: The LOSS OF A

▪ What will happen to your business when you VITAL EMPLOYEE
retire? can have a
▪ Do you have a business successor lined up and much more
ready to take over?
CATASTROPHIC
▪ Will your entire business or a share of your
business need to be sold? IMPACT on the
▪ Do you already have buyer and what is the price?
survival of a small
company than a
▪ What if you died today?
large one.1
▪ What would be the consequences to your
business partners, employees, customers,
debtors, creditors, and most importantly,
your family and beneficiaries?
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 RECAP: Potential pitfalls survivors may face after the
death of a business owner

Conflict between surviving owners & family

Concerns of employees & creditors

Lack of market

Valuation difficulties

Lack of income for family

Surviving owners may be forced to buy via

installment sale unless funded with insurance

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RECAP: How can life insurance fund trust solutions?

A death benefit provided by life

Some common uses of life insurance
insurance can be a vital part in estate planning.
of your business succession
planning and employee
retention. Key person Buy sell
life insurance agreements
Fixed indexed universal life
(FIUL) insurance can also help Nonqualified
while providing potential tax Executive
deferred
advantages. bonus plans
compensation

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The next step
Work with your team of
professionals to see if a
private trust structure can help
with your business-planning
strategies and wealth
preservation.