Life & Health Insurance

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Why do we need Life & Health Insurance?

Death, critical illness, disabilities, and accidents can happen to anyone at any time and anywhere. Without planning, the financial consequences can be extreme. To guard against such unwanted situations, Life and Health Insurance can make a vital difference.

Personal Life Insurance secures financial stability for your family and loved ones by providing a lump sum cash benefit in the event of death.

Health Insurance relieves your financial burden in the event of illness or accident. It also helps you maintain your standard of living by providing instant benefits to cover medical and living expenses.

Whole Life

Term Life

Term Life Insurance provides protection for a limited period of time and pays benefits only if the insured dies during the specified term.

Mortgage Insurance

Mortgage Life Insurance is a Temporary (Term) Insurance which provides a tax-free lump sum to pay off a mortgage in the event of the untimely death of the mortgagee so that his/her family never has to worry about losing their home.

Critical Illness

Critical Illness Insurance is a relatively new form of protection that provides you with a lump sum payment if you become critically ill. There are no requirements for how you spend the lump sum benefit you receive. You do not have to get approval for expenditure, provide any receipts. You can use the money however you see fit.

Critical Illness Insurance covers specific illnesses only.

Disability Insurance

Disability Insurance replaces a portion of your income if an accident or illness causes you to be disabled and unable to work or earn an income.

Disability Insurance benefits are almost always payable on a monthly basis, while disability continues. Upon recovery from a disability, the policy continues. Benefits could potentially be payable again for subsequent disabilities or for the recurrence of a prior disability.

Group Insurance

The policy holder is the employer or association sponsoring the plan. The insured is the individual who is covered under the group plan. Some plans also extend coverage to member’s family.

It offers a wide variety of insurance coverage including:

  • Life Insurance
  • Disability Income Insurance
  • Extended Health Insurance
  • Dental Insurance
  • Accident Insurance
  • Critical Illness Insurance
  • Extended Health and Dental Insurance

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Visit or call any of our locations to handle all your insurance needs. 

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