Insurance

Insurance

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A wide range of insurance options awaits you. Here are some of the most common:

Golden Protection is a guaranteed insurance, regardless of age.

Affordable Term Insurance can be renewed or used to cover debts and income replacement over a specific time frame. Your beneficiary will receive the full face value as opposed to the lender simply covering the diminishing balance of your loan.

Permanent or Whole Life Insurance lasts as long as you do. Often this plan includes a 20-year payment plan that will cover you for life when you are more apt to require coverage. Quite often this type of coverage will include a safe haven for tax-sheltered investments inside the plan, giving you options later on as opposed to costly applications.

The Critical Illness Benefit Program is a win-win for you. The good news is this will help cover serious and/or costly medical issues should an unfortunate illness happen.  The better news is if you do not have to make a claim, if you are never diagnosed with a critical illness, then you are entitled to a full refund of your premiums.

Think of insurance as a life jacket. When is the best time to put one on? Just prior to getting in the boat, while the water is calm, when the dock is dry and the outlook is sunny? Don’t wait until the boat overturns in high seas. In the case of critical illness, if you don’t use your life jacket, you will get a full refund.

You and your family will be grateful that you planned ahead.

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This one takes a lump sum of money and compounds it monthly over a fixed period of time at a fixed annual yield. Plus it allows you to add monthly contributions.

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