Service
Protection & Insurance.
What cover actually fits, and what you can stop paying for.
Who this is for
People who typically come to me about this.
Persona 1
Families dependent on one income
Have people who depend on them and want to know what protection genuinely matters and what does not.
Persona 2
People paying for old policies
Hold cover sold years ago, often on commission, and want a conflict-free view of whether to keep, change or stop it.
Persona 3
Pre-retirees reviewing the plan
Approaching retirement and want protection right-sized for the next phase rather than the last one.
What's involved
How the work actually plays out.
Most expats are either underinsured against the things that would genuinely derail the plan, or paying for cover sold on commission that no longer serves them. The work is to identify the protection that matters for your circumstances and the cover that does not.
Cover sized to the actual risk
Protection should map to the events that would genuinely break the plan and the people who depend on it, not to whatever product paid the most to sell.
Often the outcome is less cover, not more, and a clear reason for each policy that remains.
Advice, not a sale
The review tells you what cover you actually need. Where a policy is genuinely needed it is executed through the provider on its own terms, and whatever that arrangement pays me is set out in writing before you decide.
Common mistakes
Where this most often goes sideways.
Buying cover because it was sold, not because it was needed.
Commission-led protection is often the wrong size and the wrong type. Start from the risk, not the product.
Keeping legacy policies unreviewed.
A policy that fitted a decade ago may now be money spent for little protection. It deserves a periodic, conflict-free look.
Underinsuring the one risk that matters.
The point of protection is the event that would genuinely derail everything. That is the cover to get right, even when others are trimmed.
How I work on this
The process, in three steps.
01
Identify what would break the plan
The events and dependants that genuinely matter for your circumstances.
02
Review existing cover
Every current policy assessed for fit, cost and whether it still earns its place.
03
Right-size, then execute cleanly
A clear recommendation; any policy executed through the provider on its own terms, with whatever it pays me set out in writing first.
Fees and what to expect
Plain-English fee transparency.
I am paid through commission on the products arranged and an ongoing fee on the assets managed. Every cost, and what it pays, is set out in writing before you decide.
You may ask what any recommendation pays me, and the figures that apply are agreed in writing in the engagement letter before you proceed.
A first 30-minute consultation costs nothing and obliges you to nothing.
Client assets are held in your own name on FCA-regulated platforms or SEC-licensed brokers, never by me.
Questions
Questions about this.
Begin a conversation.
Thirty minutes, by Zoom or in person at the Bangkok, Hua Hin or Pattaya office. Free, and without obligation. You leave with a clearer view of what is in front of you, whether or not the work proceeds.
Book a meeting
Choose a time that suits you.
Thirty minutes with Richard Knight, ACSI directly. By video, phone, or in person. No obligation.
