Funeral Insurance

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Term Insurance

Life is uncertain. Unfortunate events like an untimely death of the breadwinner can put a family at a great risk of being financially insecure.

The Term Plan is a pure risk cover plan and an economical means of providing an adequate level of financial protection. In this plan, the life cover amount (sum assured) is paid to the beneficiary in case of the unfortunate death of the life insured. As a result, the family of life insured is well cushioned financially even if the life insured is no longer around to provide.

Term Insurance plans or protection plans are the simplest form of life insurance providing coverage for a defined period of time, at a fixed rate of payment. If the insured expires during the relevant term, the death benefit is payable to the nominee, who is typically a family member. However, in case of survival, the coverage at the earlier rate of premiums is not guaranteed after the expiry of the policy. The customer has to either obtain extended coverage with different payment conditions or forgo coverage entirely.

from $29.00
Level of Protection from $50.000 to $1.000.000
Grace Period up to 60 days
Hotline Assistance 24-Hour
Policy Modification Online
Payment of Benefits monthly

Whole Life Insurance

Whole life insurance, also known as Permanent life insurance provides life insurance for the entire lifetime of the policy holder. The premiums in this policy are paid yearly leveled for life; however in the early years of the policy premiums will exceed the insurance costs of the company. In short, you would be overpaying the true annual insurance cost in the early years of the policy but later when the cost exceeds what you are to pay as premiums, the overpaid amount would make up the cost difference. Hence, one pays more initially to pay less in the future!

Premium amounts can be paid up for over 20 years (age 65-100 tears). One can also cancel the policy after a period of time known as a cash surrender option and receive a lump-sum tax-free payment. Most of the refund amount known as the cash value would be the over payment in premium and not some sort of investment.

from $39.00
Level of Protection from $50.000 to $1.000.000
Grace Period up to 60 days
Hotline Assistance 24-Hour
Policy Modification Online
Payment of Benefits monthly

Universal Life Insurance

Universal life insurance is from the family of permanent life insurance products. It’s intended for use if you want insurance for the rest of your life.

Universal life insurance consists of two basic parts to the policy; the insurance and cost portion of the policy, and the investment portion. These two sections of the policy are mostly discrete.

The insurance portion of your policy is generally available in two basic formats; level for life, or increasing every year.

The investment portion of a universal life insurance policy look similar to many mutual funds. They’re not actually mutual funds, but conceptually they are similar. For example, you will find a wide array of investment options from different companies and many of these options are actually tied to specific and well known mutual funds.

from $49.00
Level of Protection from $50.000 to $1.000.000
Grace Period up to 60 days
Hotline Assistance 24-Hour
Policy Modification Online
Payment of Benefits monthly

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Funeral Insurance

Funeral insurance is designed to reduce your family financial burden at what is always an emotional time.The loss of a loved one can be a huge emotional strain on family members left behind. With the cost of funerals running into thousands of dollars, the last thing most families need when they’re coping with the loss of a loved one is to dig into their savings,it can quickly become a financial strain as well. Choosing funeral insurance help protect your family’s future when they are going through the worst situation in their life .

With this Plan, you can help to ease the burden on your family’s savings and enjoy greater peace of mind.While many people have life insurance, normally this doesn’t pay a benefit until after the relevant paperwork has been submitted and processed. This takes time, and it¿s unlikely the money will be available at short notice to pay for a funeral.Funeral Plan is easy-to-obtain funeral insurance and is designed to help save your loved ones thousands of dollars in funeral expenses. On your death, it pays a lump sum benefit to cover the costs of a funeral and other associated expenses.Funeral Plan, it’s so simple to get a quote and get on the path to securing your family’s future.