Life Insurance

affordable term-life insurance to cover you no matter where you work, life, travel or move to.

Top Reasons to Get Life Insurance

Replace Lost Income

Provide financial security for your loved ones to help them pay for ongoing monthly expenses.

Cover Debts

Any personal or business debts, loans, like a mortgage

Fund Future Expenses

Children's education, new car, rainy day fund and more.

It's Affordable!

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Types of Life Insurance

Straightforward & low cost term-life insurance, where a specific term is selected from the onset. The benefit is payable if death occurs during the term selected. This covers death from all causes; Accidents, Illness & Disease.

Terms are usually in 5-year increments between 5-35 years. Payments can be annually, quarterly or monthly. If you stop paying the premiums, the policy will void with no refund. Premiums are fixed for the duration of the term, based on your age at entry. Rates will not increase with age of inflation.

There are also add-ons for: Critical Illness, Disability & Double Accident Benefit (benefit doubles if death is from accident)

Rather than selecting a specific term, with whole life insurance the policyholder is covered for their..... whole life. This will guarantee to pay the benefit out so long as premiums are paid & the claim is valid. Payments are still made every year, or can be condensed into a 10-year period. There is no cash back/refund element. Premiums are fixed for the duration of the term, based on your age at entry.

Universal Life Insurance is usually used to generate wealth. With Universal Life Insurance, you put in a lump sum premium upfront. You're covered for 3x your lump sum. The minimum initial input is $50,000 usd.

This is a term life policy, but there is no set term. You just pay the renewal premium every year. Premiums annually will increase with age & inflation.