FAQ
Most people arrive with these questions in mind. Let's answer them clearly, right here.
No. It's the easiest way for me to start a conversation — and the thing I believe should come first.
No. The conclusion may be “your current policies are fine, nothing needs to change” — and that's exactly what I'll tell you.
Yes. A checkup doesn't care who sold the policy or which insurer it's from — everything goes on the table together.
Online or in person, both work. The process is simple: add me on LINE and describe your situation, send me your policy documents (photos or PDFs), I organize them into one list, and we go through it together. Adjustments only if actually needed.
The earlier the better. Before or after hospitalization, on receiving the insurer's notice, or after a rejection — any point works.
I work at Cheng Shiang Insurance Broker Co., Ltd.. A broker isn't tied to any single insurer — the firm works with many insurers, so I can compare products across companies. My position is on your side of the table — choosing for you, not selling for a company.
Copies of your policies or terms are ideal — photos or PDFs both work. Can't find them? Taiwan's "Insurance Passbook" lists every in-force policy under your name, and I can help you request full terms from each insurer. Incomplete paperwork is no reason not to start.
Not necessarily. Depending on the policy, options like reduced paid-up, extended term, or adjusting coverage may be available — each with trade-offs, and not every policy qualifies. Understand the terms and your cash flow before touching anything; the wrong order magnifies the loss. The earlier we talk, the more options you have.
Three things: fill in every field yourself, understand before you sign, and never leave blanks. Report your finances truthfully — that is the basis for judging whether a policy suits you, not a formality. And keep your own copy of everything you sign.
Life insurance in Taiwan carries a right of rescission: within ten days from the day after the policy is delivered, you can cancel in writing and get back the premiums you paid. After ten days there are still paths, but options narrow and costs rise — act as early as you can.
Start with the Insurance Passbook or the Life Insurance Association's inquiry channels to list the policies, then confirm each one's status. If claims or changes are needed, I'll prepare a document checklist and walk the process with you. It is not a moment for rushed financial decisions — get the full picture first.