Why choose IOA individual insurance?
IOA’s Individual insurance solutions offer comprehensive coverage tailored to your specific needs. Whether securing your family’s financial future, safeguarding high-value items, or extending liability protection, IOA provides expert guidance and access to industry-leading policies.
IOA individual insurance products
High & ultra-high net worth individuals
Life insurance
Umbrella liability insurance
Valuable articles insurance
High & ultra-high net worth individuals
We understand the distinct needs of HNWI and UHNWI clients, offering personalized solutions designed to align with your financial goals and lifestyle.
Specialized expertise
Our advisors have extensive experience working with affluent individuals, helping to manage risks associated with luxury homes, vehicles, collectibles, and other valuable assets.
Thoughtful solutions
Each policy is curated to reflect your priorities, whether protecting a legacy or ensuring seamless integration with your broader wealth management strategies.
Discreet service
IOA prioritizes confidentiality and discretion in every interaction, offering you peace of mind while safeguarding your most valuable possessions.
Life insurance
Ensure your family’s financial security with life insurance policies designed to offer stability and protection during life’s uncertainties.
Comprehensive life insurance options
- Term life insurance: Cost-effective protection for a defined period, ideal for income replacement and financial planning during key life stages.
- Permanent life insurance: Lifetime coverage that also serves as a wealth-building tool, with cash value components for future use.
Legacy planning
Life insurance policies are a cornerstone of legacy planning, helping to protect your family’s financial future and support charitable giving initiatives.
Umbrella liability insurance
Protect against unforeseen liability risks with coverage that extends beyond standard policy limits.
Expanded protection
Umbrella liability insurance provides an extra layer of coverage, safeguarding your wealth from lawsuits, accidents, or property damage claims that exceed your primary policies.
Essential for HNW individuals
For those with significant assets, umbrella insurance is a critical tool to ensure your financial security amid unforeseen liabilities and to protect against reputational harm.
Valuable articles insurance
Ensure your prized possessions are protected with customized coverage for high-value items, no matter how unique.
Global reach
Coverage extends worldwide, ensuring your possessions are protected whether at home, in transit, or on display.
Items we cover
Policies are designed to reflect the unique value and significance of your items, with coverage for loss, theft, or damage.
- Fine art, jewelry, and antiques
- Rare collectibles, such as cars and memorabilia
- Luxury watches and designer items
Our personal insurance products
Get the latest on
vehicle insurance
Read our industry expert’s latest thoughts. We provide specific market outlooks, practical guides, updates on market trends, advice on risk management and much more. Each informative piece offers straightforward guidance in a complex insurance landscape.