Our life insurance policies come with various endorsements to enhance your coverage:
Additional payout if the policyholder’s death is due to an accident.
Provides a lump sum benefit if the policyholder is diagnosed with a specified critical illness.
Allows the policyholder to access a portion of the death benefit early in case of a terminal illness diagnosis or specified condition.
If a policyholder with this endorsement dies in a car accident, their beneficiaries receive an additional amount, ensuring extra financial security.
A policyholder diagnosed with a covered critical illness, like cancer, can receive immediate financial assistance to help with treatment costs or other expenses.
If diagnosed with a terminal illness, a policyholder can use part of their death benefit to cover medical expenses, provide for family needs, or even fulfill a personal dream.
Contact us for a personalized quote and safeguard your loved ones’ future today!
It’s a type of life insurance that provides coverage for a set period or term, typically ranging from 10 to 30 years.
Unlike whole life insurance, term life does not accumulate cash value and only provides coverage for a specified term.
At the end of the term, coverage ceases unless renewed or converted to a whole life policy.
Many policies offer the option to renew at the end of the term, often at a higher premium.
This depends on the policy; some require a medical exam, while others offer simplified or guaranteed issue policies.
Premiums vary based on factors like age, health, term length, and the amount of coverage.
Consider factors like age, dependents’ needs, debts, and financial goals.
Many term policies offer a conversion option, allowing you to switch to permanent coverage.
Generally, death benefits from term life insurance are not subject to income tax.
Yes, but it may affect the cost and availability of coverage.
