Our Products
Our product portfolio enables us to help you choose products that are right for YOU.
A cost effective way to cover critical illness, and/or chronic illness
1. Term Life or Permanent Life Insurance if you need life coverage
Many carriers provide living benefits in their permanent life policies, which means the insured can accelerate portion of death benefit , during the insured lifetime, upon submissions of required documentation regarding a qualifying event. Such qualifying events include qualifying critical illness( like invasive Cancer, stoke), and chronic illness. A few of carriers, such as AIG and Columbia also embedded such benefit into their term life policy. For example,
age 45, Female,
1M coverage, 20 yrs term,
Health Class: preferred plus
Annual Premium for AIG QoL: $880.90,
Annual for Columbia Nautica: $970.