LIFE INSURANCE & TOTAL PERMANENT DISABILITY

A lump-sum monetary payment to your loved ones in the event of death or TPD, allowing your family to meet their immediate financial needs such as  living expenses, education fees, medical costs, debt instalments and estate administration fee.

CRITICAL ILLNESS

Providing a lump-sum monetary payment to you in the event of a diagnosis critical illnesses covered. This includes cancer, heart attack, stroke, liver failure and kidney failure. The payout may serve as a replacement of income during the recovery period and you could use the sum for recovery care or to finance the family’s living expenses. In short, it allows you to recuperate from your illness in peace.

MEDICAL

With healthcare inflation of 10+% a year, it would be wise to have a life insurer to take care of our hospital bills and this also includes bills which arise from both pre and post hospitalisation treatment. This will help to prevent a huge dent to our wealth as a result of hefty medical bills at a minimal cost.

TERM

Term Life has similar coverage as Life Insurance & TPD. However, the differences lie in its cost and benefits. Term Insurance offers both Death & TPD coverage at a much affordable price in comparison to conventional Life Insurance as it has lower cash value. Therefore, it is suitable for an individual who intends to boost their coverage substantially without breaking their bank account.

ENDOWMENT / SAVINGS

A regular savings plan that offers higher interests and cash bonuses  throughout the duration of the plan. This is ideal for an individual who requires discipline in accumulating wealth periodically over time.

FEMALE ILLNESS

1. Prenatal
Prenatal coverage provides payout for pregnancy complications such as neonatal jaundice, medical treatment as a result of congenital conditions or child disorder development such as autism. It also covers the loss of a fetus during pregnancy.

2. Female Illness
Female Illness coverage offers monetary payouts arising from a diagnosis of female-related cancer and other medical complications that include elective cosmetic  surgery, hormone replacement therapy for menopause and as well as psychotherapy treatments.

MRTA / MLTA 

Who shall settle outstanding mortgage payments in the event of death or TPD? Here, a MLTA or MRTA will step in to take care of your mortgages in case any of the two happen first. This allows your loved ones to reside and keep all of your properties without worrying about their monthly installments.