Kepler is a Hong Kong-based insurance brokerage firm that acts as an intermediary between policyholders and licensed insurance companies. The company focuses on brokering life, savings, and health insurance products to individual and institutional customers. Kepler does not maintain a large direct salesforce, relying instead on a network of referrers and exclusive consultants to identify potential policyholders and arrange contracts. Referrers use personal networks to introduce customers on a non-exclusive basis, while consultants are licensed representatives who negotiate insurance terms exclusively for Kepler. The business model generates revenue through commissions paid by insurance companies when customers purchase or renew policies. Kepler functions purely as an agent and does not underwrite any insurance risk. The company earns first-year commissions on new policies and renewal commissions in subsequent years, creating a stream of recurring revenue. Performance depends on the volume of policies sold, premium sizes, and the scale of the channel network. Kepler intends to expand its operations geographically by opening offices in Singapore and the United States. Its growth strategy involves developing a digital platform to automate policy management and expanding its product suite to include investment and asset management services.