Insurance is a way of protecting yourself from financial losses due to unexpected events. For example, if you have health insurance, you can get medical treatment without paying the full cost out of your pocket. If you have life insurance, you can provide financial support to your family if you die.

Insurance works by pooling the risks of many people who pay a regular fee called a premium. The insurance company uses the premiums to pay for the claims of those who suffer losses. The amount of premium you pay depends on how likely you are to make a claim and how much coverage you want. The more coverage you have, the more you can get reimbursed by the insurance company.

Insurance can help you avoid financial hardship and stress when something bad happens. It can also give you peace of mind and confidence to pursue your goals. However, insurance does not cover everything and there are some exclusions and limitations that you should be aware of. You should always read your policy carefully and understand what it covers and what it does not.

At CEC, we understand the importance of protecting your assets and planning for your future. That's why we offer free insurance and financial consultations to new customers who want to learn more about our products and services. Whether you need insurance, or you want to invest in your retirement, education, or business goals, we have the right solutions for you. Contact us today and schedule your free consultation with one of our qualified advisors.

Being over-insured means paying more than necessary for your insurance coverage. This can happen if you buy too much insurance, or if you buy insurance that you don't need. To avoid being over-insured, you should:

- Review your insurance needs regularly and adjust your coverage accordingly. For example, you may need less life insurance as you get older and your dependents become independent.

- Compare different insurance products and providers and choose the ones that offer the best value for your money. You can use online tools or consult an independent insurance broker to help you compare options.

- Avoid buying duplicate or overlapping insurance policies. For example, you don't need to buy travel insurance if your credit card already offers it as a benefit.

- Read the fine print of your insurance contracts and understand what is covered and what is excluded. You may be able to save money by opting out of some optional features or benefits that you don't need.

We are a multilingual company that can help you with your needs in different languages. Whether you need help in English, Mandarin and Cantonese, we have experts who can assist you. Contact us today and let us know how we can serve you better.