Personal Risk Management
Be protected from Life's Unknowns
Insurance transfers the financial risk of life's events to an insurance company. A sound insurance strategy can help protect your family from the financial consequences of those events. Risk Management strategy through insurance carries multiple benefits like Financial Security for Loved Ones, Debt Repayment, Income Replacement, Estate Planning and Peace of Mind
Term Life Insurance with Living Benefits
Term life insurance is the simplest and most straightforward of all the options. Term life insurance covers short-term needs instead of long-term ones. Coverage usually lasts between 10 and 35 years, so if you expect to need your insurance before that point, term life insurance makes a great choice. We can help families obtain Term Life with Living Benefits (Chronic, Critical or Terminal Illness Situations). Funds can be used when person is alive under medical conditions. Because you never know and 'Life Happens'. If you can afford to pay for a cup of coffee every day, then Term Life will cost lesser than that. Contact us to know more.
Permanent Life Insurance
You have more life insurance options than you probably realize. One of those options is permanent life insurance. It’s more complex than term life insurance, but the benefits are varied and last longer. While term life insurance policies usually expire within 35 years, permanent policies can last either until the policyholder survives or reaches a certain age. A properly designed Permanent Insurance policy can provide Cash Value which could be used as supplementary income as needed or in retirement. Contact us to know more.
Insurance - Needs
Income Protection
Mortgage Protection
Mortgage Protection
Income protection insurance, sometimes called IP cover, pays part of your lost income if you can’t work because of a disability caused by an accident or illness. It can take the financial pressure off and pay the bills for a while so you can focus on getting back onto your feet.
Mortgage Protection
Mortgage Protection
Mortgage Protection
Mortgage Protection Insurance is an insurance policy that pays off the remainder of your mortgage if you pass away or if you become disabled and can’t work. Mortgage protection insurance can be an attractive option for homeowners looking to protect their investment and keep family members from financial troubles.
Disability Insurance
Final Expense Insurance
Final Expense Insurance
As its name suggests, disability insurance is a type of insurance product that provides income in the event that a policyholder is prevented from working and earning an income due to a disability.
Final Expense Insurance
Final Expense Insurance
Final Expense Insurance
Losing a loved one can mean more than an emotional burden. It can also create a financial burden. Knowing your final expenses are not left as a burden to your loved ones is what Final Expense is all about.