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Our Services

Living Benefits

Disability Insurance

Disability insurance is a type of insurance that pays a benefit to the policyholder in the event that they are unable to perform the duties of their occupation. It is usually purchased by workers who are in jobs where they are not able to work due to injury or illness. This disability can be either partial or total, and it can last for a short period of time or for the rest of one’s life.

Disability insurance is important because it provides financial security in case you are unable to work due to illness or injury. Without it, you could be forced into bankruptcy if your income stops and you have no other source of money coming in.

Critical illness Insurance

Critical Illness insurance is a health insurance policy that covers the insured against the financial burden of any critical illness. It pays out a lump sum amount to the insured in case they are diagnosed with one of the listed critical illnesses. This lump sum amount is often used to pay off debts like mortgages or credit cards, or simply to meet daily expenses until the insured can resume work again. The coverage amount is decided by you and depends on factors such as age, gender and lifestyle. In addition, there are several riders available to add more features like critical illness cover for cancer etc.

Long term Care Insurance

Long term care insurance is a special type of coverage that provides financial assistance for people who need help with their daily activities and may eventually require nursing home or other long-term care.

It’s not just for senior citizens. In fact, most people who need long term care are between the ages of 40 and 85. Long term care insurance can be an important part of your financial plan if you or a loved one needs assistance with eating, bathing, dressing or getting around during an illness or injury.

Disability, Critical illness or long term care can be expensive and some people think they don’t need it because they’re young or healthy today. But what happens if you get injured or sick  tomorrow? It could happen to anyone. We can guide you in comparing different types of policies so that you can find the one that best meets your needs.