What is life insurance ?
Life insurance protects families and businesses from financial loss associated with the death of a loved one or key employee and as a financial tool for retirement planning. Life insurance enables individuals and families of all income brackets and lifestyles to maintain financial independence in the face of financial hardships.
Coverage is just as important for two-income families as it is for single-income families. Stay-at-home parents also need protection to help cover the costs of services they routinely provide, such as cooking, cleaning, and caring for children. Retirees who are living on limited income also find peace of mind knowing that an aging spouse will not be faced with a financial burden after their death.
Love Insurance ?
Do you have the right protection plan in place ??
Type of Life Insurance
Term life VS. Permanent life
What is Group Term Life Insurance?
Group term life insurance is a type of term life insurance where the insurance company, or insurance broker, issues the employer a “group” contract with coverage extended to it’s employees. It is commonly a component of a comprehensive benefits package offered by employers.
What is AD&D (Accidental Death Benefit) Insurance ?
Accidental Death and Dismemberment Insurance, or AD&D Insurance, can provide financial benefits if you are killed; or lose a limb, suffer blindness, or are paralyzed in a covered accident.
Just as its name implies, an accidental death and dismemberment insurance policy covers death or injuries that are proven to be the direct result of a covered accident.
Living Benefits
Is the type of Financial Protection Plan you will get lump sum money when you get sick, without worrying about yourself & your family’s financial situation.
Living Benefits & Death Benefits of life insurance ?
The Death Benefit of a life insurance policy is the amount your loved ones (or others you designate as beneficiary) will receive from the insurance company upon your death. Some people think of life insurance only in terms of its death benefit, but there’s a flip side to some types of life insurance that’s fascinating…
The Living Benefits of life insurance allow the policy owner to access cash while still living. Here are beneficial use of both benefits:
