Life Insurance
Life Insurance
Financial protection for your loved ones. Life insurance policies can be term and permanent. Premiums are calculated based on the insured’s age, gender, smoking status and medical history.
Children’s policies are very popular to give your child a headstart. Since age is one of the main factors to calculating premiums, policy for a child is very affordable, the accumulated values in a permanent child policy can be used for a variety of needs such as education or other opportunities. Life insurance policies these days are very flexible.
Critical Illness Insurance
Critical illness insurance pays a lump sum if you are diagnosed with and survive a covered condition such as heart attack, cancer, stroke, etc. Medical advances have enabled more people to survive a critical illness, however, your finances may take a substantial hit without critical illness coverage while you are
recovering and getting treatment for the critical illness. Money from critical illness insurance can be used as you see fit, whether to pay for medications, private nursing care, home or daily expenses, etc. so you can concentrate on your recovery.
Disability Insurance
For income protection, Disability insurance provides income to the Insured in the event he/she cannot work due to illness or accident. Premiums are based on the insured’s age, gender, smoking status, medical history, the disability monthly income payout to the Insured, the duration of the benefit and the waiting period before the income is payable.
Long Term Care
Long Term Care insurance provides assistance and support if one day a prolonged illness or disability prevent you from performing certain activities of daily living such as dressing, bathing, eating, etc.
Long Term Care insurance helps to maintain your lifestyle and financial security since the benefits will allow you the resources you need to remain independent through personal home or facility care.
Group Insurance
As the owner of a business, you understand the importance of getting and keeping good people to work for you. Group insurance is one major benefit in giving employees a sense of security and satisfaction working for you when they don’t have to worry about medical expenses and having financial protection against a disability. The implementation of an Employee Benefit Program is a meaningful incentive for high-quality employees to join and stay with your company.
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