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A New Risk Management Architecture - Emerald Bay is an updated solution to solve the problems created in a fractured/dislocated market. We are structured to ensure accountability throughout the life cycle of a risk, driven by integrity of underwriting. Collaborative, Tech Enabled Underwriting - Our technical underwriting and portfolio management is supported by cutting edge technology. We work in partnership with our MGA/PA and reinsurance capital partners to ensure long term sustainability. Partnership: A Full Alignment of Interests - Our approach requires that from producer to carrier to reinsurer all partners are invested in an aligned strategy. Our laser focus is on capital protection so we are there for our insured when they most need us.
We are a full service independent insurance brokerage firm. We have access to numerous national and regional carriers for personal and commercial product solutions for our clients. In addition to every day insurance solutions, our expanded markets enable us access to companies that specialize in retirement solutions. With over 15 years of advising our clients on risk management and insurance, we are able to confidently work with a young working professional just starting out, or the established high net worth family or closely held business with numerous needs. We leverage technology to make transitions seamless and our agency and carriers accessible beyond traditional office hours.
Jenius Bank is a digital banking service provided by Bank SMBC Indonesia, a subsidiary of Sumitomo Mitsui Banking Corporation. It aims to redefine banking by offering better rates on financial products and personalized insights for effective financial management. The Jenius app integrates a variety of services, including money transfers, QR code payments, asset management, investment options, credit card services, and lending solutions. The Jenius Main Debit Card (m-Card) features a modern design and aligns with the companys "Think Unthinkable" philosophy. Jenius primarily targets millennials and has attracted over 5.2 million customers in Indonesia, appealing to those seeking a user-friendly banking experience. Customers who receive their paychecks through Jenius enjoy benefits like free remittance fees and withdrawal services. Jenius is committed to helping users organize their finances and encourages innovative thinking in the banking sector. Recent updates, including a new booth concept and a redesigned debit card, reflect its dedication to enhancing customer experience.