We start with your goals, budget, and protection gap, then shortlist options and explain trade-offs.
我们会先了解您的目标、预算与保障缺口，再筛选合适方案，并清楚说明各方案之间的取舍与差异。

Depending on the insurer/product, most of the application are available. Some special cases require extra underwriting steps.
Not necessarily. We will first review your existing coverage, then compare it with current insurance offerings and pricing in the market to identify any overlaps or gaps.
If newer plans differ significantly from your existing policies, we will discuss the differences with you before advising whether any adjustment or supplementation may be appropriate. The final decision is always yours.
完全不需要，我们会先检视您现有的保障，再为您查看目前保险公司新推出的保障配套语价格，找出是否有重复或不足的部分
诺最新的发布的配套与您之前购买的保险配套差距较大的话，我们会先向您咨询再讨论是否需要调整或补充，为您提供补充建议，决定有您来下定。

Depending on the insurer/product, most of the application are available. Some special cases require extra underwriting steps.
视不同保险产品而定，大部分部分产品可以通过我们为您提供线上申请。某些个案可能需要额外会面烦f2f的申请步骤。

No. This is not our approach. Our priority is to serve and support our existing clients who have already entrusted us with their policies. We operate on a principle of explanation and assistance, not pressure. Whether to proceed with coverage, and when to do so, is entirely your decision. We place greater importance on delivering dedicated, long-term service to our clients. Once you become our client, the support we provide goes far beyond a single insurance policy.
不会。 这不是我们的原则，我们手上已签单现有的客户更需要我们优先处理，我们以说明与协助为原则，不会对您施加购买压力。是否投保、何时投保，完全由您自行决定。我们更注重的是能够全新全意服务至上现有的客户，诺您成为我们的客户后，我们能为您提供的服务远远超越了一份保单的厚实。

Yes, we guide you through required documents and claim process (subject to insurer procedures).
会的。我们会协助您准备所需文件，并全程为您处理完成理赔流程（须遵循保险公司的相关程序）。

We only collect what's needed for quotation/consultation and handle data according to PDPA notice below.
我们只会收集用于报价或咨询所必需的资料，并会依照下方所列的《个人资料保护法》（PDPA）声明来处理您的数据。