1. Customers
Segmented commercial and industrial customers remain as our focal target in growing our customer base.

2. Carriers and Agency Partners
Securing contracts, commitments and support from carriers in a supplier’s market is a challenge. Fulfilling them during the slow reasons is a bigger one. Together with our selective agency partners locally and around the world, we have proven it to be a success. We often exceed the expectations.

3. Employees and Management Staffs
Highly educated and trained employees with great sense of responsibility.
Profound management staffs with effective management style.

4. Service Quality
Service quality is about “attitude”. We listen to, analyze and accommodate what customers look for.

5. Sound Finance
PEARL is fully capitalized, profitable and financially sound company.
Budget system assures that we grow in a manageable pace without financial stress.

6. Information System
Central data base provides transparency and quality of data in real time manner.

7. Enterprise Culture
- Building future with action now.
- Accomplishing mission through team work.
- Recognizing dignity, integrity and trust worthiness.
- Exceeding customers’ expectation by raising standards.
- Searching excellence via innovations.
- Creating win-win by way of self enhancement.