Life and Family Protection

The foundation of any financial plan should always be protection.

Term Life Insurance

A Term Life Insurance policy is designed to provide protection during the fixed policy term. It is a policy that pays out a fixed cash sum if an insured passes away during the agreed policy period. There is no investment element in such policy as it provides pure protection.

Term Life Insurance is a popular choice for:

  • Individuals focused on affordability and flexibility.
  • Small business owners facing debts or significant start-up costs.
  • Business owners with complex needs like key person protection or buy/sell agreements.
  • People with mortgages or other temporary debt.

Whole Life Plan

Whole Life Cover is an insurance plan that lasts for a lifetime of the insured, and is not limited to a specific term. It contains an investment element, and will build up a cash value as well as provide funding for the cost of future benefits throughout the client’s lifetime. If the insured passes away, this policy will provide a lump sum payment to their family. This plan will suit people who wish to have cover for the rest of their life - and not just a specified term.

In addition to life cover, one can add any combination of additional benefits.

  • Waiver of premium benefit
  • Critical illness benefit
  • Permanent total disability benefit
  • Family income benefit
  • Accidental death benefit
  • Hospitalization cover
  • Dismemberment cover

Key features and benefits.

  • You can customize the benefits to match your needs.
  • You can change benefit amounts, add and remove benefit options and vary premium payments as your life circumstances change.
  • You can choose regular or single payments, or a combination of both. You can also pay additional single premiums at any time.
  • You can pay regular premiums for life or for a defined payment term for example payment term of 15 years.
  • You can tailor your policy to be denominated in one of a range of currencies.

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