No-one likes to discuss difficult topics but . . .
the choices and decisions we make, can affect our immediate loved ones, and generations to come.
Life is a gift!
That is why it is important to protect against it’s lost to our loved ones.
uses of life insurance
income needs
These are the ongoing needs for income of the surviving dependant family members that continue until those members are self-sufficient.
mortgage redemption
After the death of a person with a family, they can remain in the home, free of a monthly mortgage payment. The family’s income need will be greatly reduced.
final expenses
This is a fund set aside for those expenses associated with the death of an individual. Burial or cremation expenses are by no means the only expenses associated with death.
medical expenses
Some people, before death, go through a lengthy period of the hospital treatment and incur large medical bills. These sometimes leaves the family’s finances devastated.
education funding
A college or professional education is beyond the means of many dependent children who lose an income-earning parent.
Surviving spouse income
If the spouse is a full-time homemaker, their earning power would likely have declined substantially as a result of having been out of the workforce for a period of time.
Health Care
Death sometimes is not the worst thing that can happen to you or your loved ones. Proper care for illnesses can attract some heafty medical bills which can cripple you further.<br>Can your family handle exorbitant medical bills for life saving proceedures?
“Your wealth is your health“
Health Insurance
Comprehensive medical care, with immediate discounts upfront which takes some of the stress out of a trip to the doctor.
Critical Illness
helps you to maintain dignity during periods of prolonged illness or permanent disability and provide money for areas not covered by conventional health plans.
Disability Income
in the event of an accident, disability or sickness, you can
receive part of your gross earnings.