OUR PRODUCT / LIFE INSURANCE

LIFE INSURANCE

Life insurance provides financial security for your loved ones by offering a payout upon your passing.
It can help cover expenses like funeral costs, outstanding debts, and future living expenses,
ensuring your family's financial stability during difficult times.

Why Choose Life Insurance with Living Benefits?

Here are simple reasons why getting life insurance with living benefits is a better option:

Keep Your Home Safe
If something happens to you, life insurance can help your family pay off the mortgage, so they don’t lose the house.
Act as Income Replacement in case of illnesses
Living benefits life insurance will pay out a big amount of money in case of illness, accident, injury temporarily or permanently, taking a burden off your shoulders.
Financial Support for Loved Ones
Lastly, life insurance ensures your family gets financial help if you pass away unexpectedly, helping them stay afloat during tough times.

Full Living Benefit vs. Traditional Life Insurance: What’s the Difference?

Not all Living Benefits are created equal. While many companies claim that they have some type of Living Benefits, most of the time they only cover Terminal Illness, which means they only pay out if the client is confirmed to be passed away within a certain amount of month.

Terminal illness

Pays out if the insured has an illness or chronic condition that can reasonably
be expected to result in death in
24 months or less

Critical illness

Pays out a lump-sum amount in the event of 1 of 17 major medical conditions, including cancer, heart attack, stroke, etc.

Chronic illness

Covers when you are unable to perform, without substantial assistance, 2 of the 6 normal activities including bathing, continence, dressing, eating, toileting,
and transferring, for over 90 days.