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Insights

PCS Vision

Brief reflections in 2022 and coming year from PCS by Mercer CEOs

In this final issue of 2022, our CEOs from different regions would like to share some end-of-year messages. Also, we share the last two case studies for the year, in which two sophisticated clients leverage the flexibility of savings plans to protect their families.

PCS Vision

Bottom Fishing: A Strategy for Now

Liquidity is king and protection needs to be maximized during these volatile times. So, in this issue of Vision, PCS by Mercer Chief Product Officer, Patrick Jiang, explains how both can be achieved.

PCS Vision

Digitally Connected: The growing popularity of remote insurance processes

Remote insurance processes are going from strength to strength. High net worth clients are increasingly choosing to incept policies remotely irrespective of whether they are impeded by COVID-related travel restrictions.

PCS Vision

Evergreen in a season of change

In this issue of Vision, we tackle the effects of rising interest rates on wealth and legacy planning through life protection, Isaac Lim (Mercer PCS Managing Director) explores the difference between Universal Life Insurance and Whole of Life policies, and two case studies illustrate the criticality....
PCS Vision

Motivated Wealth Management

In this issue, we hear from Bill Johnston, our Chief Commercial Officer, on the right time to begin planning wealth transfer; Director, Nicolas Ren, talks about the diverse utilizations of annuities.
PCS Vision

Life insurance trends outside Northeast Asia

In this first issue of Vision for 2022, we hear from Anubhav Bhushan, CEO of PCS International and Marco Tullio Valiante, our new Head of Switzerland. They share their insights on life insurance trends outside Northeast Asia as well as our international growth plans.

PCS Vision

Safety nets grow in a brighter future

In this final issue of Vision for 2021, we hear from Christina Wong and Davin Wong, our new CEOs in Hong Kong and Singapore respectively. Joseph Low, PCS by Mercer Group CEO, shares his thoughts on the coming 12-24 months and we introduce the Vision Editorial Committee, revealing the highlights of their edito
PCS Vision

Setting up a charity in Hong Kong

In this issue of Vision, we speak to experts in family wealth management, tax, and life protection solutions on wide-ranging topics
PCS Vision

Shifting Priorities: the changing mindset of ultra-high net worth (UHNW) individuals

In this issue of Vision, Senior Vice President, Isaac Lim, shares his thoughts on the changing priorities of the high net worth and ultra-high net worth; we explore the nine reasons why annual insurance reviews are crucial, and we answer your most pressing questions on legacy planning.
PCS Vision

Fair?: The delicate challenge of estate equalization

What is ‘fair’? Amongst siblings, the answer to this question is highly subjective and almost universally fraught with historical angst. So how can you minimize conflict and be as even-handed as possible through the process of wealth transfer? Estate equalization can help; it’s an elegant and simple solution

PCS Vision

Incentives and opportunities - Indonesia

Recent legislative changes in Indonesia could potentially transform the country’s economy.

PCS Vision

The COVID-19 vaccine facts you need to know

These times of COVID-19 are deeply undefined. Uncertainty can be distressing, but uncertainty can be managed.
PCS Vision

Creating and maintaining lasting family harmony

Wealth can often insulate you from some of life’s challenges, creating a sense of exceptionalism. However, the sweeping, indiscriminate nature of the Coronavirus has laid bare our collective vulnerabilities. Insurance solutions, family constitutions and legacy letters exist to help you mitigate your risks.
PCS Vision

Before the wedding and beyond romance

PCS by Mercer offers a potential insurance solution in safeguarding generational family capital in the event of a marriage breakdown.
PCS Vision

Protecting and growing your global family wealth

In this issue of PCS Vision, we explore ways to mitigate the major threats to global family wealth and look at how Savings Plans can outperform bonds by being both reliable and flexible.
Insights

Managing the impacts of climate change with Life Insurance

From droughts and wildfires to storms and floods, climate change was a trending topic at the start of 2020 in the international agenda.
insights

Embracing the new normal amidst COVID-19

It was reported that contracting economic activity, growing loan provisions and expense increases for additional customer support and resilience requirements are already taking a toll on bottom lines.

insights

Creating a lasting legacy to support your loved ones

The economic downturn, low interest rate environment and increased market volatility brought about by the current COVID-19 pandemic, have reinforced a greater need to help your clients get their financial house in order
insights

The pivotal role of life insurance

In times of market volatility and uncertainty inherent in global markets, life insurance can play a pivotal role in providing flexibility and growth for your high-net-worth clients’ personal as well as business needs.

insights

Insurance as an alternative asset class

Private Client Services by Mercer has developed short videos in English and Chinese languages that showcase how insurance can be an alternative asset class for diversification, and provide liquidity to protect one’s wealth and manage risks.
insights

Savings plan as an alternative asset class

70% of millennials expect to keep working later in life to maintain their desired quality of life, while 2/3 of adults expect to live past 80, but only 1 in 3 expect to have enough money to afford it*. Longer life spans make for longer retirements.
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Reassuring the financial stability of insurance cos.

Life insurance is an emerging and alternative asset class that can help your clients address liquidity and needs protection, ensuring flexibility and the ability to cushion the impact of market volatility, while meeting their long-term goals.

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Family wealth creation

Over the years, many High Net Worth individuals use Life Insurance not merely as a way to protect against uncertainties of life but as a Wealth Creation tool.
insights

What is income replacement

Income Replacement is a concept which introduces a way for the policy holder’s beneficiaries to receive income through an alternate source, should an untimely death occur to the insured.
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Wealth creation: estate equalisation

An insurance application to equally divide assets and pass to the next generation whilst preserving long term family harmony and business continuity.
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Key person protection for business continuity

Key person insurance refers to life insurance on a key person in the business. It is a policy taken out by a business to inject liquidity for financial losses that will be incurred due to demise of a key person.
insights

What is estate equalisation

Estate equalisation is specifically concerned with the equitable passing of family wealth to the next generation.

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Estate duty / inheritance tax

An Inheritance or Estate Tax is a tax imposed on a beneficiary who has inherited money or property or a levy on the estate (money and property) of a person who has passed away.
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Wealth creation: Mitigating geopolitical risk to preserve wealth

Geopolitics is a study of factors such as geography, economics, and demography and their influence on the foreign policy of a country.

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