AJ Mendonca

Well I call this the Awesome!
While I know Sijo for a quite sometime now, it’s only the last 4 odd years where I’m actually dealing with the financial instruments he had to offer. Major reason being, he gave me ample time to make a calculated decision. That made One things certain; he’s not the one who will pester you take out insurance to meet targets up.
Secured Future as a philosophy isn’t something that goes out of trend, however doing it with ease, whilst getting ample knowledge about it and matching it with a risk free environment is something that doesn’t happen to all.
My experience has been very satisfying with regards to Sijo, more so, thanks to the fact that he is always been ahead of the curve with his knowledge and sheer professionalism he brings to the table.
Not often in this industry you get someone who talks you out of things that would fetch them a higher cut/commission instead suggest a plan/scheme/policy that actually benefits the insured (me in this case)
I would gladly recommend Sijo to anyone who seeks a sound and genuine advice on securing a wonderful future especially for loved ones.

AJ Mendonca
Vice President
J P Morgan

Chandrima (Emirates Cabin Crew) & Abhishek Jain

Sijo Mathews – let’s start with a personal note. We could be among those couple who became friends first then decided to seek his professional advice on insurance and investment to secure our future. As with many expats here, this has been on our to do list for a long time. Its one of those things that’s on everyone’s mind but just gets postponed indefinitely. Glad to say that the delay was worth it.
He has a vast knowledge about the insurance and investment and suggests the best to suit your needs. He is one of a kind, a person who knows to use the word NO and YES exactly when required.
An amazing personality with knowledge and care. Extremely professional and straightforward guy.
Wishing him all the best always…
Chandrima (Emirates Cabin Crew) & Abhishek Jain (Architect)

Amit Kumar & Pragyan

It has been a pleasure dealing with highly informed professionals like Sijo. My husband and I, had been thinking about taking an insurance product for quite some time but was never able to make up our mind on which product to take. Basically, we have been thinking of an insurance product, which can give us a healthy return in addition to insurance coverage.
That’s when we met Sijo through a common friend. Sijo was extremely patience with us, met is few times over to explain us the product time and again. We didn’t have much idea about Critical Illness insurance and products like that. He took effort to explain all the concepts and various options available for investment. He was more of a counsler for us. He helped us have the best mix of insurance and investment based on our income, risk appetite and financial goals.
It has been very satisfactory experience dealing with Sijo. We highly recommended Sijo to anyone looking for a customerised solution for their financial need.

Amit Kumar & Pragyan


Sijo as an insurance advisor has a very professional approach and transforms the relationship to a trustworthy and safe bonding. His guidance and support are unmatchable. He is committed to his profession, his community and his faith. Outstanding work ethics. I would recommend Sijo without hesitation.
Reshma Sweeta DSouza
HOD Life dept

Dr.Pankhi Dutta

I searched out Sijo Mathews through a common friend as I wanted to buy a critical illness insurance for myself as soon as I landed up in Dubai. Though my friend spoke very highly of Sijo, I was initially a bit wary and skeptical as ‘once bitten and twice shy’ is very apt for many of us who have been parted from our hard earned money with the lure of some impossible gains in some phase of our lives. Sijo, however, turned out to be so different. He never tried to paint a picture far from reality. Moreover, he was very patient in understanding my specific needs, my liabilities and the practicalities involved. He not only helped me decide on a figure that was practical for me but also showed me ways wherein the same could serve as some kind of a saving as well. It was just what I had been looking for. So, when it came to deciding on a saving plan next, there was no question of going to anyone else. I trusted Sijo to customize/design a plan keeping in mind my income, my needs, my lifestyle and the possible number of active working years for me. Besides being very good in his chosen field of work,

Sijo is also a wonderful human being, generous to the core, honest to a fault, dependable, and a true ‘friend in need’. I have seen Sijo going out of his way to help many….be it in a professional role or personal. I cannot imagine anyone better than Sijo to trust with one’s hard earned money as he is a great combination of the knowledge/skill required for good financial planning and a genuine desire to do good for others.

Dr.Pankhi Dutta MD DM
Haematopathologist, Singer

WhatsApp Image 2020-08-29 at 00.03.29

Sijo is a straightforward person with an extensive knowledge about Critical Illness & life insurance.
He is, I would say, an absolute guide in this field. His bond with client actually starts after the signing process, which makes him different from others. I have seen that most clients eventually become good friends with him. Sijo actually has the courage to say ‘No’ to a potential client, if the plan is not a right fit for the clients need – thats a unique quality you rarely see in an insurance guy, who are mostly pushy.
He always suggests the best suited solution for “each individual”, that’s his specialty. Above all he really loves his work. I suggest you should meet Sijo once, it will definitely add value to your time and future life

James Xavier, IN Retd., SIIRSM
HSE Officer


Mr Sijo is one among the genuine financial adviser and he has vast knowledge in the field of insurances and investments. He exhibits his knowledge on the shares and insurances, as guiding to get a nominal to maximum yield over the investments made. He is also a specialist in long term investments and retirement plans. I hereby recommend you all to meet him atleast once in your lifetime. “Our FUTURE is based on how well, we ACT on the investment and stay protected — ultimately our dependents will be benefitted. “This was the advise by him— true words of wisdom.

Ram Kumar LLM(CLA), MRICS,
Planning Manager


Mr. Sijo is a professional Insurance advisor who is very supportive. His guidance and approach towards clients also great. He is always keen to build a bond with clients. He always tries to understand the actual needs of client before suggesting a product. Amazing service that I highly recommend

Merin Susan Mathew

HR Executive

Amrutha Mampilly

Precise,practical and professional.His interactions are very genuine and he makes sure that the final decision stems from his expertise and clients needs.

Dr. Amrutha Mampilly


I know Sijo as a sincere, hardworking person, ready to be of support anytime you need.
His knowledge and expertise in the field of Insurance is excellent and also puts the same into his work, to bring out desired results.
Serious at work, he is a very warm hearted and jovial as a person! This is a very good combination.
It is absolutely great to know Sijo as a true friend and I sincerely wish him all success always.

Ajit Menon
ENBD bank, Dubai

Ramapurath Rajendra Menon

I came to meet Sijo through my brother 2 years back and at a time when I was introspecting my financial plans and investments for the future. Sijo did a wonderful job in taking me through the pros and cons of the various life and other savings plans, policies and opportunities available out there in the market. Until then, the domain of insurance was an area that I was always skeptical about and wary of investing in. Sijo took the time to put me at ease and explain the various facets of insurance and why it was necessary. Initially, I had taken out a life insurance policy and later when I informed Sijo that I wanted to invest in my children’s education, he promptly met up and took the time to understand what I really wanted and researched into finding the perfect savings plans for my children’s higher education. I found in Sijo a person who is friendly, well-informed, efficient and goes that extra mile to tailor make plans based on your needs. I look forward to a long lasting relationship with Sijo  and would recommend him to anyone looking for a trusted financial advisor.”

Ramapurath Rajendra Menon
Project Manager, Dubai Airports

Bianca _ Renji mathews

Nowadays, as most banks offer an insurance policy (seemingly free of cost) as a complimentary service, we too took out policies thinking that we would be covered from all the vagaries of fate. It was only when we delved into the finer points of the policy (at Sijo’s insistence) that we discovered how little it actually covers. One great aspect about Sijo is that he painstakingly takes the time and effort to understand our financial situation before he even suggests an insurance package. The wealth of knowledge he has acquired over the course of his career has been invaluable in helping us make an educated decision rather than sticking to a course made by chance. Also, his fine understanding of the inner workings of insurances, gave us a policy tailor-made to suit our financial situation perfectly.

His focus is not limited to just making people sign on the dotted line, but rather, he goes out of his way to ensure that we are comfortable with the choices we made in the long run. This dedication and expertise makes him our number one go-to guy for all financial, investment and insurance matters and we will confidently commend him to anyone looking for a professional who also cares.

Renji & Bianca


Sijo is known to me for more than 5 years now. In Sijo I came across a true financial consultant who doesn’t come with a predefined plan, but invests time with you to understand your exact needs, challenges & insecurities – if any, to come up with the right investment plans to meet or exceed your expectations. I have had bitter experiences with few consultants in the past, where they simply disappear after coercing & enrolling you in some investment tool, but Sijo really stands tall among them by being available all the time to address any queries or concerns while taking you into confidence – quality of a true professional. Wishing Sijo, my friend, all the best in his professional endeavors.

Rajesh N. Rajan
Regional Sales Manager

Johnson and Sumi

“The level of service and professionalism We’ve received from Sijo is incomparable. Undeniably, we don’t know much about insurance or investments, but Sijo has always taken the time to educate and inform Us about the various options. You can take heart in the fact that Sijo isn’t just trying to sell you something, he genuinely cares about his clients and their well-being. We love him for him being a benevolent being.”

Johnson & Sumi

Global Shipping and Logistics, Dubai


We have Known Mr. Sijo for the past 4 years and the best thing we like about him is the positive attitude, impeccable service – especially the Follow up and timely reminders. He is very respectful, patient and explains things in a way that even a lay person can understand, even if asked the same question hundred times. We have taken several Insurance and Investments from different agents over the past 10 years, without really understanding the plans and benefits. Sijo did a complete review of our portfolio and explained each one in detail and now all our plans are being managed by him – which in itself speaks volumes about the trust we have in him. He has proved himself in the years we have known him and now I can rest assured that we are dealing with a true professional. I confidently commend him to anyone looking for a true professional Financial adviser who will suggest what you need and not just force a plan on you. He is not pushy and respects your space and time. I wish him all the best for his future endeavors.

Zahra Firoozmand. Iran
Business Person


Insurance; Having worked in the industry for a while I am aware of the practices adopted by several agents just to close a sale. They seem to have a little more knowledge than the average joe, if that. Over two decades in UAE, I met many insurance people for various needs. However, after meeting Mr. Sijo Mathews I had a different view point. Without any drama, Sijo was the only Insurance specialist whose first question to me was – What is your need sir? He is the only person who I know in insurance, who is more concerned with the requirements of a client, who gets the best value for your money. Business means Profit or else it becomes a charitable foundation. Sijo’s honesty, technique of explaining all the jargon to a client and making him feel comfortable was beyond my expectation. He will do his utmost to tailor make a plan for you considering all the criterion’s, and that is where the word Trust fits in perfectly without which nothing stands for the correct reasons for doing anything. Extremely happy with your attitude and modus operandi. Will always run with you Sijo where my insurance is concerned.
God bless you.

Fareed Mansour.
Photographer & Latin Dance Choreographer


I met Mr.Sijo through a common friend. Being the very friendly and approachable guy that he is, we instantly connected. He gave us the best options that suited our needs and helped through the entire process of getting our insurance. However, we very soon faced a situation with Mednet regarding my maternity coverage which put us in a pickle. it was Sijo’s timely action and quick response to the issue that saved us and I got my maternity covered.
Four months later Mednet again came up with same issue and simply just declared that I will not be having my maternity covered unless I pay a huge premium. All hope was lost for us when it was only Sijo and his team who, understanding our genuinity, relentlessly worked on our case for over a month and got us our maternity coverage approved once and for all from Mednet.
I cannot thank Mr.Sijo and his entire team enough for what they have done for me and my family even when he could have easily ignored it as he had already made his sale. I’m taking this opportunity to appreciate the sincere efforts made by everyone on this case. We will always keep you in our prayers.

Mohinder & Jency 
Entrepreneur – Dunamiz,Abu Dhabi

I am an Expat Living in the U.A E for the last 10 years. And unlike some other nationalities that come here and earn money and are able to buy a house back home this was not the case with me as the real estate prices in Europe is far more expensive than in Asia or Africa.
Hence I figured that it was time to plan. Best to do it was now, while I was young, single and in my prime to save for my future. The only way to do this was to pretend as If I were paying Tax but instead use that same amount of money to secure my future.
So I looked into different insurances and came a across many different insurance brokers in the U.A E all trying to persuade you to sign up with them.
My main concern was that I wanted a plan that is regulated by the European Law and where I knew my money would be saved in Europe (Isle of Man) so I choose the Insurance company Zurich. And on my journey to finding the best available insurance that suits my needs and that I feel I can trust, I came across an insurance adviser – Sijo.
When we met, Sijo was patient with me, asked the right questions and explained the pros and cons in each situation, but one thing that I particularly liked about Sijo is that he never pushed me to sign up for anything, instead gave me enough time to reflect, research and compare and yet always stood by my side available on whats app or phone if I had any concerns and questions I wanted to ask him, which was very convenient for me. I then took my Time and started exploring all options and insurances available that I could Trust and which suit my needs. After over One and a half years of extensive research and talking to several other brokers and banks I finally called Sijo and told him that I was ready for my commitment in order to secure my future.
I chose Sijo as he is honest, punctual, Professional and reliable and puts his client interest before his own, taking time to explain the fine prints and clauses. He is always available for any questions and queries and if I was unsure, giving me advice and ample time to reflect.
By no means are you alone once you receive your policies as he is always there as an advisor and readily available to assist you with your queries even when he is travelling.
This is very important for someone like me as I Travel all around the world and sometimes you might have a thought that pops up and can ask him straight away through whats app or Skype – He is there for you. I find building up a relation to your insurance adviser is important because that is the foundation of Trust in which your commitment to securing your future is paramount.
I would not hesitate taking more insurance policies or recommending him to my family and friends and others.

Marcus M Rupprecht. Germany
Emirates Airlines, Dubai


Sijo is definitely not one of those who wants to just make a sale of the product and vanish. His effort to understand requirements, help clients to choose the right plan that best benefits them and continue to support throughout is commendable. His knowledge of services and ability to match these to our needs certainly made a big difference. I am impressed by his minimalist approach and willing to support when required. I am happy to recommend him to others and go back when I personally need any help.

Pavithra Venkatesh- India
Rewards manager, SERCO, Dubai

Selling Insurance is one of the most difficult tasks. More so when we hear about death or critical illness, you take a backseat and often tend to develop a dislike for the Insurance Advisor. Sijo does not push unsavory ideas. He is a clear in explaining why and what are our requirements. He is more of a friend to all. The feeling of being cared for is what he gives much before he explains our own needs. Its what we need that he sells and not what he wants to. Am sure with the relationship he builds; he will be available in future for any follow ups much unlike many other advisers who disappear once their deal is done. Am sure, with the positive attitude and approach, he will continue to do well in the business while his clients will definitely benefit in having established a relation with him.

Ramesh Ramnath
Business Owner


I met Sijo last year and I truly wish I had met him before. Thanks to his advice I have now planned for my future and retirement, where if something happened to me, like a Serious Illness or Disability, I can afford to take care of my self without being a burden to anyone.  Also my mind is at peace knowing that my loved ones will be safe and comfortable if such an even were to occur. Sijo is an amazing person, passionate of what he does, and cares about his clients.

Thank you for your help,

Kevin – Malta
Emirates Airlines, Dubai

I knew Mr.Sijo for 5 months before we initiated the subject to have any family protection for me.
It was wonderful journey. He has guided/ planned and managed everything very well in advance and professionally. I have considered so many type of insurance options and insurance agents before I took my decision to have tie up through Sijo and this decision has given me confidence to propose his name to my friends and relatives who are looking for any kind of insurance services.

Prakash Sarvaiya. India 
General Manager
Hira Industries LLC Dubai UAE


“Sijo is one of those insurance Advisers, who, apart from providing good information on insurance needs also likes to socialize with clients. This quality I found endearing and makes me feel that I am dealing with a person who is trustworthy. His professional approach towards getting things done, patience in providing all the required information, caring attitude and follow up till the jobs gets done are qualities worth noting. I would not hesitate recommending him to my friends. I wish him success and trust that he will continue to provide prompt service.”

Advait Dande. India
Chief Engineer. A D

Borouge, Ruwais

I started my relationship with Sijo with some reluctance because we have had our share of some unpleasant experiences in the past. In the last three years our relationship has grown from a business to friendship where I can seek his advice or matters not just limited to Financial planning. He is glad to address any query or concern that we have, even when he is out of country. If it is not his job, he guides you in the right direction. He is very patient and attentive to detail, explains each benefit of the plan. Now any time I hear the word Insurance, Sijo is the first person I call and would gladly recommend him to everyone. He will never force you to do something you are not interested in.

Masoud Nemati. Iran
Business Owner, Dubai


Sijo has a good working knowledge of the variety of products that is suited to your needs.
He explains things on a level you can understand comfortably. Listens and empathizes with clients on a deeper level in order to discern what they really want and need. He is always available to answer your queries. A person who puts the needs of the client first without bothering about the commissions. Good work and keep it up.

Dr. Mohammed Mazharul Haq
Eye Surgeon
Emirates Eye Clinic, RAK

I’ve known Sijo for at least 4 years now, he has the passion in helping people and by giving so good advices, He is an outgoing person and always ready to help and give you his best advice, very patient and explains the policies so well that you fully understand and will not hide anything from you. Very honest person, he is not only an insurance adviser for me but as well we became good friends. Sijo is always punctual for meetings and always keeps following up on statuses.

Hashmat Ally Najurally. Mauritius
Assistant Director F&B
Towers Rotana, Dubai


I have known Sijo for the past 5 years. Initially, I was reluctant to take any insurance policies so I avoided meeting him for almost one year but Sijo patiently waited and we stayed in touch on phone. Finally, I met him and was highly impressed with the way he explained all the minute details about the insurance policy that was suitable for my budget and best for my family. I decided then and there to go ahead with the policies. I am very thankful to Sijo & wish him all the best for the future.

Arife Umar Farooqui
IT Manager, DEWA

We were recently introduced to Sijo through a common friend. We did take insurance from other agents in past without understanding the plans and benefits properly. Sijo’s input have been extremely useful and his in-depth knowledge as well as detailed explanation has made us feel more comfortable with our choices in investment and insurance.
I would strongly recommend Sijo as a professional financial advisor to cater to your finance and insurance investments.

Ashish Nair. India
Purchase Manager, Unique System Fze


Knowing Sijo is akin to building a bond with someone for a lifetime. In his dictionary the word ‘care’ has a multitude of meanings. He is always there for you in person offering support and solace. Sijo doesn’t do business with you, instead he builds a riveting and lasting relationship encompassing trust, values and integrity. I have known Sijo for over two decades from our days living in the same city to the times where we both are currently dwelling in different countries. And our friendship has continued with the same fervor and intensity. I know for sure that Sijo has taken up the profession of a financial planner with the sole motive to better peoples lives as well as offer them the security of a worry-free existence than merely as a business proposition. To me Sijo is that ultimate “guide and care-giver” in the truest form.

Pradeep Rajan. India
Editor – Platts, Singapore

I have taken 3 insurance policies thus far with Sijo whom I found to be informative, punctual and detailed in his explanations and sending information. By no means are you alone once you receive your policies as he is always there as an advisor and readily available to assist you with your queries even when he is travelling!! His nature is that of a positive, confident person and you feel comfortable knowing that you are in capable hands. I would not hesitate taking more insurance policies or recommending him to my family and friends and others.

Adele Carollissen. S Africa
Manager – Support and Events


My first interaction with Sijo was at a social gathering, following which I took some advice from him about my existing plans. He is gem of a guy with a thorough knowledge of his field and currently manages our complete portfolio. He is just not a insurance adviser for us, but a good friend. We really liked the way he described the pros and cons of a given policy and the way he helped us to design the policy premium considering our budget. As a person I liked the way he presents himself. Needless to say that I will be recommending to him in my circle, which I have already done. I wish him all the best for the future.

Vineet Kumar Verma. India
PermaPipe Middle East, Fujairah

My association with Sijo in Particular has been very pleasant.
He has been prompt and clear in explaining the investment opportunities and has assisted a great deal in helping choosing the right investment plan. I would not hesitate in recommending Sijo if so required.

Capt. Vispy Dadimaster. India
General Manager- Operations
Fujairah National Shipping Agencies, Fujairah

vispy (1)

Sijo is a superb team player and leader who achieves outstanding results through detailed research, analysis, commitment and delivery. I cannot praise him too highly and would employ his services again without reservations.
Sijo is bright, intelligent and dedicated to the task in hand. His Indian birth and Christian faith gives him precious insight and a winning cultural understanding of East-West business and social challenges. Sijo is caring and has a warm sense of humour. His background as a champion pugilist and former naval Chief Petty Officer makes him a winner both in and outside the ring.

David Browne. UK
Managing Editor
Parachute Pictures, UK

I have been in UAE for the last 20 years and came across many “Financial Planners” who have not been able to convince the benefits of having a proper financial planning in place.
Best thing about Sijo is that he knows what he is talking about and above all first comes the clients interest, explaining the finer points, including any hidden clauses. I have been seeking his advice on all my investment and financial planning and he has complied even when it has been out of his line of work. I have referred many of my friends, not just in UAE but across the Middle East to seek his professional advice. I believe his popularity has mostly been through word of mouth. I wish him all the best and know that he will continue providing similar support to all his clients

Mr. Swaroop Pookat
Country manager (MEA), Tarkett Middle East


I have known Sijo for the past one year and taken taken an insurance policy through him. I have always found Sijo to be a thorough professional who doesn’t like to force things on any one. He has been explicit in clearing a lot of misconceptions and at the same time explaining the benefits of my policy in detail. Sijo is also a person who goes out of his way to come and meet one directly so as to alleviate any concern that we might have.
I will gladly recommend Sijo Mathews to any of my friends and I am sure that they would also find Sijo as friendly and informative as I have found him to be.

Mr. Shanu Varughese 
Director of Revenue, Rotana

I had high expectations when having my policy with Sijo. He exhibited a wonderful example of good faith and excellent customer service and I am very pleased with his work.
I would highly recommend Sijo to anyone seeking competent insurance representation & advice .

Dr. M Siddig, PM. Sudan


“Sijo is a great person to associate with”

He has excellent knowledge about Insurance and suggests products that’s ideal for your situation. Very friendly & shares a unique comfort level when approached with queries.Listens and empathizes with everyone on a deeper level in order to discern what they really want and need. He is positive, confident person and you feel comfortable knowing that you are in capable hands.He knows his business and while providing professional advice, puts the clients interest above all. His background as a former Naval sailor gives him the integrity which is much required for this business of advising people on their personal financial planning. I wish him all the best and know that he will treat everyone with the same dedication.

Binduu Emmanuel

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