We aim to guide and support our clients and build a lifelong partnership to secure their hard earned belongings, and to create a harmonious environment wherein our Clients and our Insurers may function safely Our increases were based on each client’s individual loss ratio, therefore one client’s claims do not affect our other client’s premiums We create the harmony wherein our Insurer & Client may function safely Because we prefer to use an individual taxation module, we are able to limit our premium increases