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Asset protection.
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Apex Insurance Services.
Apex Insurance Services is an independent financial
and insurance advisor providing a wide range of
services to expatriates of any nationality and
locals living in Greece. Our objective is to help
you identify your future goals, build prosperity and
reach financial freedom while protecting your
existing assets. We are not tied to any company, as
we are accountable only to you, the client. We
search the local and international markets to
provide you with quality insurance and financial
products that fit your needs and goals.
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Is it possible to get a fair deal from an insurance
company?
Indeed it is, provided that both parties have been
honest with regard to the facts. The policy you buy
from an insurance company must have been drawn up
with all the material facts, which could affect the
risk. It would be unfair to sign any contract when
one party knows that the other is a certain loser.
Hence, it is imperative that the facts are gathered
before an insurance company can take the risk and
calculate its probability of paying damages or
losses. It is self-evident that no company or
organization will take on a piece of business
knowing at the outset that it will lose money.
Insurance, apart from death risk, which is
inevitable, should only pay for damages or losses
against unforeseen or unknown events.
Where customers often feel cheated is that they
expect to be covered for all risks: that is to say
against everything, only to find at the wrong hour
that they are not. It is the duty of the consultant
or the employee of an insurance company to explain
exactly what is covered in the policy. This coverage
must meet the client’s expectations. At the same
time, the consultant must collect the necessary
information from the prospective client so as to
allow the insurance company to gauge its
underwriting risk. It is very much like playing
roulette, where the bank is the insurance company
and the player is betting against the bank that an
event will happen. Instead of chips we have
premiums. But as in roulette we must have rules to
avoid an unfair advantage.
We, at Apex Insurance Services, spend a great deal
of time making sure that both sides to the
contractual equation have all the facts so that
there are no surprises. We also track financial
information of the companies with which deal, so
that our clients can rest assured that their company
is solvent and is able to pay for damages or losses
whenever they occur.
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Have you ever found yourself agreeing to buy
insurance you weren’t sure you needed?
Insurance and other financial products are sold
through two systems. In one, a sales representative
of a specific institution is paid a commission
and/or salary. The other system involves an
independent consultant who offers comprehensive
planning that takes into consideration all of the
client’s needs and goals. The consultant earns
either fees charged to the client for the advice
given or collects a commission when the suitable
product for the client is selected from a myriad of
institutions.
Apex Insurance Services belongs to the last category
of intermediaries and will not offer any product
unless a complete and comprehensive analysis has
been made of the financial situation of the client.
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Are you confused by the volume of material or even
the language a product brochure is written in?
Most people are!
These are legal documents and usually can be
understood with ease only by those with in interest
in the trade. Products change due to market demand,
so new products constantly appear. Old products are
sold with new wrappers. Nothing remains static,
including the product provider’s profit and market.
Your financial advisor must have all necessary
knowledge of the industry to fully inform you of
what a product is trying to accomplish, then must be
able to explain the downsides as well as the
upsides. This process takes time and requires that
your advisor himself is constantly updating his
knowledge through industry journals and seminars.
We at Apex Insurance Services pride ourselves in our
expertise acquired through many years of active
service in the financial and insurance industry as
well as our people skills, which enable us to
explain the technical jargon to our clients.
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Do you have time to sift through all financial and
insurance products and collect all necessary
information to form an opinion? Or do you leave it
to chance?
Every year it becomes more difficult in any sphere
of human and commercial life to become an expert in
any domain. As we are not expected to cut our own
hair so we are not expected to be an expert in every
activity. In our search, we ask our friends and
acquaintances, but in the field of financial and
insurance providers there seems to be multitudes –
even if our country of residence. When we add all
the companies that will operate in the European
Union in the next few years, the task appears
daunting. And all the products look the same!
Choices available on the Internet only increase the
dilemma. Given the immensity of the research people
tend to buy products from a name that they have
heard of, but are these the best and cheapest
products for their needs?
At Apex Insurance Services we do not profess to be
able to cover every single product sold in our
market. But what we can promise is to provide our
clients with a product that suits them and to
continue to search for and evaluate new products.
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How do you know whether your insurance company is
viable and won’t go under next year? Or do you go
only for well-known names?
There are ways, of course, for you to do your
homework regarding the financial health of your
product provider. But this is a lot of homework! And
even large and secure companies have been known to
surprise their clients.
We at Apex Insurance Services believe that it is our
duty to check as often as possible the security of
any financial provider we recommend.
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Do you want to plan your financial future but find
yourself putting this off?
Governments will no longer always “take care” of us
or cushion us from random and unforeseen events. We
must plan our own future from a position of
self-reliance. It is never too late to make a
financial plan, but it is not a simple task and
demands an analytical approach if you want to cover
all aspects of your life and reflect your deepest
aspirations.
We, Apex Insurance Services, feel that we have the
expertise to guide you in this endeavor.
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