Total Protection Plus

An innovative asset buy-back product



Total Protection Plus is an innovative guaranteed assets buy-back product. Total Protection Plus Inc, Limited., is a company formed to act as the program insurance policy holding company that provides carefully tailored solutions for Re-insured products for emerging opportunities namely in the evolving digital asset space.

Total Protection Plus Inc, Limited is a UK company formed as a limited master policy holding company that retains RE-insured asset protection under a carefully underwritten traditional stop loss insurance model. Total Protection Plus Inc, Limited represented by and conducts insurance and reinsurance business through its principal registered insurance brokage firm Bespoke International.

Bespoke International’s approach to the insurance markets is built on a foundation of effective risk mitigation strategies coupled with a robust knowledge of its clients’ goals and needs. We apply sound underwriting through experienced industry expertise and pride ourselves on sophisticated, targeted product structures and solutions. We attract insurance and reinsurance clients from around the world seeking flexible solutions for a wide variety of risks. We differentiate ourselves by creating innovative and customized solutions for complex risks.


We create peace of mind for the client, no more "What If's?" We work directly with your business to build value and protection into what you already offer.


United Asset Protection is a private exempted limited holding company registered and governed under the laws and regulations of Malaysia. United Asset Protection Limited holds a segregated portfolio company (also called an SPC or a "cell") within Allied Insurance PPC Limited c/o Allied Group Holdings Limited.

Allied Insurance PCC Limited registered under Allied Insurance PCC Limited Company No. PCC 16703, A PCC Captive Insurer Licensed No. IS2020193 under Labuan Financial Services and Securities Act 2010. Allied Insurance PCC Limited is Protected Cell Company (PCC) in Malaysia, licensed by Labuan FSA. Incorporated on 17thMarch 2020, it holds license to operate conventional captive insurance and/or reinsurance business for its clients.

Allied Group Holdings Limited, Labuan, Malaysia, are owners of multifaceted businesses located around the globe and are equipped to avail benefits from the rapidly changing dynamics of the global economic and socio-economic climate. The diversity of our operation through a multiplicity of companies we hold, each with an independent and unique revenue structure, is our core strength. With decades of experience in trading and financial management areas, we understand the pulse and drift of the markets we operate in and therefore have the capacity, capability, and competence to navigate any enterprise to success.

Allied Group Holdings Limited has evolved with the distinct philosophy of amalgamating strengths of various, seemingly unconnected business activities to viably synergize economic growth in any economy. Optimization of productivity and revenues have remained the core objectives, which enabled the successful establishment of trading, media, services, insurance and asset management companies in various countries spread across Europe, Asia and North America.

The Labuan captive business market which utilizes protected cell companies (PCCs) has gained traction in recent years as a cost-effective market of operating captives. This could be attributed to a greater appreciation for self-insurance as a component of a dynamic risk management strategy as well as the recognition of its cost advantages considering the hardening re(insurance) markets.

Labuan FSA (Financial Services Authority) will continue to focus on strengthening Labuan IBFC's position as a captive domicile hub by making the captive sector a primary focus in Labuan IBFC's Strategic Roadmap for the next five years” and that “one of the goals is to strengthen Labuan IBFC's complementary roles to Malaysia's economy which will include the development of the Labuan insurance industry.

As the fastest growing risk and reinsurance wholesale intermediation center in Asia and MENA, Labuan IBFC is now home to 232 insurance and insurance-related entities including 64 captives, with Asia contributing nearly 92% of total captives and the remaining 8% being based in the US and Europe.

The Labuan FSA jurisdiction recently won the International Captive Domicile award for the first time at the European Captive Review Awards, having previously won the Best Asian Domicile for three years running at the Asian Captive Review Awards.

Captives are self-insurance vehicles which are strategic risk management tools utilised by many corporations around the world. To date, there are approximately 7,000 captive insurance companies set up globally that enjoy this benefit.


Establishing a captive is not merely about incorporating a company, instead it is about forming a new insurance company. While for many, the decision to obtain commercial insurance cover may be appropriate, for others, formal self-insurance through the creation of a captive insurance company may be more effective to meet a company’s strategic goals.

Risk Management Strategy

For businesses with unique or hard-to-place risks, or with risks that are priced too high by the traditional market, captives can be used to provide a bespoke insurance solution that can form a major component of an organization’s risk management program and can support the parent company’s overall risk management strategy.

Captive Insure The Risks

A captive is an insurance or reinsurance company established by a non-insurance parent company

A captive insurance business offers to insure the risks of its parent or related/associated corporations. Such risks include any legal risk that may be underwritten by a commercial insurer.

Most Fortune 500 Companies Choice

Over 75% of the world’s Fortune 500 companies are parent owners of captive insurance companies, with the total captive premium income exceeding USD100 billion via the approximate 7,000 captives established worldwide.

In Asia, the captive insurance sector has the potential for significant growth, as businesses in the region increasingly consider self-insurance vehicles as part of their risk management strategies.


Key benefits of setting up a captive include:

  • To insure an otherwise ‘uninsurable’ risk

  • Control an entity’s own insurance program that in turn will stabilize the premiums paid

  • Create a direct access to the reinsurance market thus, reducing the premiums payable

  • Consolidate the deductibles across the entity’s group of companies

  • Reduce the dependency on commercial insurers/reinsurers

  • Insulate the entity’s group of companies from insurance market cycles.


Different situations require different solutions, which is why we consider all options before we decide on the best way forward — whether we’re planning our business strategies, weighing up a risk, or handling our clients’ claims.

Risk mitigation embodies the essence of what we do at Total Protection Plus Inc, Limited, which makes us one of our industry’s leading experts in specialty insurance and (RE)insurance.

While Total Protection Plus Inc, Limited is a relatively new company, our team’s experience and industry knowledge has been growing for decades.

Our focus on flexibility allows us to tailor innovative solutions for our clients and build long-term relationships that provide them with continuing value well into the future. That means getting to know our clients, their needs, and their challenges so we can provide them with the best possible products and services.

Risk improperly mitigated can be costly. Risks can cost human lives and cause property damage with consequent revenue or profit loss if not planned for and handled correctly.

Our reinsurance knowledge and relationships are extensive and span decades of experience.

We focus on building long-term relationships with reinsurance partners who have track records and reputations for sound underwriting and have exposures that make risk transfer a vital aspect of their business needs.

We carefully choose where we apply our expertise and take an intellectual approach to everything we do as we continue to build a diversified and increasingly international business. We look at risk management not only as minimizing downside, but also as a way of actively adding management value to our investment portfolio. We also share our expertise with our clients by drawing on our skills and experience to offer informed opinions and insight, which provide an additional layer of value.


Insurance Lines Definition
A Performance bond “is issued to one party of a contract as a guarantee against the failure of the other party to meet obligations specified in the contract. It is also referred to as a contract bond. A performance bond is usually provided by a bank or an insurance company to make sure a contractor completes designated projects.” (Investopedia)
A Financial Guarantee Bond is “a non-cancellable indemnity bond that is backed by an insurer in order to guarantee investors that principal and interest payments will be made. Many insurance companies specialize in financial guarantees and similar products that are used by debt issuers as a way of attracting investors. The guarantee provides investors with an additional level of comfort that the investment will be repaid in the event that the securities issuer would not be able to fulfill the contractual obligation to make timely payments. It also lowers the cost of financing for issuers because the guarantee typically earns the security a higher credit rating and therefore lower interest rates.” (Investopedia)
A Performance Guarantee is “a business agreement between a client and a contractor for the contractor to perform all of their obligations under the contract. A performance guarantee might also include a clause to protect the client against losses incurred in case the contractor fails to perform and enforcement action is required or an alternative contractor needs to be engaged.” (Business Dictionary)
General Liability is “insurance protecting commercial insureds from most liability exposures other than automobile and professional liability” (IRMI) or an “insurance policy that covers claims arising from an insured's liability due to damage or injury (caused by negligence or acts of omission) during performance of his or her duties or business.” (Business Dictionary)


Total Protection Plus Inc, Limited is an established leader in many of its chosen markets. Each of our business lines is run by a highly respected and experienced industry expert who possesses in-depth knowledge of the industries we serve and also an exceptional ability to create targeted product solutions.

Total Protection Plus Inc, Limited’s approach to the insurance markets is built on a foundation of effective risk mitigation strategies coupled with a robust knowledge of its clients’ goals and needs.

We apply sound underwriting through experienced industry expertise and pride ourselves on sophisticated, targeted product structures and solutions. We attract insurance and reinsurance clients from around the world seeking flexible solutions for a wide variety of risks.


Total Protection Plus provides you with safe and secure protection for up to 100% of your initial product purchase price. Rest easy in the knowledge that we will pay you 100% of your full purchase price after the term agreed to per your contract.

This is a 100% secured program, by a portfolio of assets, with a consortium of insurers and reinsurers to ensure its obligations, subject to all terms, conditions, and restrictions of that insurance policy. In simple terms TPP pays the premium at point of sale from its proceeds to ensure the funds are guaranteed. In the unlikely event that the sales company or TPP are no longer in business, your Option is protected and guaranteed by the insurance, and your option will remain in place and available to you under the same terms and conditions.

You will be required to satisfy and comply with any applicable terms and conditions of the Buy Back Option Terms and Conditions. For instance, during the “Notification Period,” you must inform TPP, of your intent to exercise your Option. If you do not exercise your Option within the Exercise Period, it will expire, and you will have no further right to exercise your set Option. In addition, you may be required to provide the following documentation:

  1. 1. Written verification that you still hold good and clean title to the asset as applicable.
  2. 2. Written verification from your lending institution (if applicable) that all loan payments have been paid in full as of the date the lending institution issued the statement.
  3. 3. Written confirmation from the company that it has not received notice and has no knowledge of any Lien, unpaid taxes, or other assessment or encumbrance, placed, or which may be placed.
  4. 4. If you are a transferee, documentation sufficient to establish that you are a Permitted Transferee as defined in the Buy Back Option Terms and Conditions (family member).
  5. 5. Authorization to TPP to allow them to make these inquiries to confirm full compliance.

That's it, no hidden rules or clauses.

All notifications must be delivered to TPP by registered mail. The address is:

Total Protection Plus Inc, Limited
Hygeia Building Rear Ground Floor
66-68 College Road
Harrow, Middlesex
United Kingdom, HA1 1BE

You must submit your “Intent to Exercise Form” within the "Notification Period," which is defined in your contract. If you miss the Notification period, you forfeit the right to exercise the money back option and or you will miss that early exercise window.

The Notification Period is the one-year period halfway through your term. For example: on a 10-year term it is the time period between your 5th anniversary and your 9th anniversary dates. If you cannot find this simply let us know and we will confirm your specific notification period.

If at any time between your Purchase Date, your Notification Date and/or your Closing Date it is determined that you are ninety (90) or more days past due on any fee payments, you will receive a" Delinquency Notice" – on a one-time only basis – from TPP, reminding you that if these fees are not brought up to date within thirty (30) days, your Option will be forfeited. However, only one Delinquency Notice will be provided, and in the event that you become ninety (90) or more days past due, then you will forfeit your rights under your Option. Please note these, as applicable, fees are from your point of purchase only, as TPP never charges you any fees of any kind.

At the point of sale, the company you are purchasing with will advise you whether you have the Buy Back Option or not. You will then get a confirmation and certificate from TPP. If you have not received this document from TPI but believe you are eligible for the Buy Back Option, you must contact an authorized representative of TPP’s Membership Association Program immediately. Email us at

Your TPP Money Back Option can be transferred only to a permitted transferee as determined by the sales company or investment group. It is your responsibility to contact the sales company to make these arrangements in advance to ensure the person can be registered as a permitted transferee before the sale to ensure the Buy Back Option remains valid.

Your Buy Back Option will automatically terminate upon your sale or transfer of any interest in your program to any person or third party except a Permitted Transferee. A Permitted Transferee is defined under the Terms and Conditions as a person or group as permitted by the sales company to whom you transfer ownership. A Permitted Transferee will be entitled to the benefits of your Option. Your Option is not transferable to any transferee other than a Permitted Transferee. It is your responsibility to notify TPP via certified mail of the sale or transfer of any interest in your ownership to a Permitted Transferee within ninety (90) days of the date of transfer.

Your program may have early exit options, and these are clearly defined in your contract. There are no other options beyond what you agreed to at the time of your purchase, and you must fill out your notification form in the year-long notification period as applicable (for example in year 5 to receive your Buy Back Option in year 10).

Your Buy Back Option will be transferred to your heirs along with the program/investment that it is associated with. These would be considered a Permitted Transferee, and this would be handled by your sales company and TPP on your behalf.

Yes, if you filed for your cash back and when the time comes you decide to wait until the next period or waive your Option, you are free to do so. TPP will always keep in communication with you regarding your options in each case. For any and all other questions please feel free to contact us via email at