Individual Insurance

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LIFE INSURANCE

Life insurance is designed to provide timely financial support for you and your family at different life stages.  The most important and primary purpose of life insurance is to provide financial protection to your family or dependants in the event of your death. It pays them either a lump sum or regular payments to the beneficiary of the insurance policy

Term Life
Whole Life

A term life policy can be bought with a lower premium for a bigger sum insured. Also, there is no savings element.  Term life policy pays a lump sum upon the insured’s death if it occurs within a fixed period of time.

A whole life policy combines both the elements of protection and savings, and a certain amount of cash will be paid out to the policyholder upon surrender of the insurance policy.

HEALTH INSURANCE
Medical Insurance
Critical Illness Insurance

Medical insurance offers comprehensive medical expenses reimbursement including room, surgeries, medicines, nursing charges, laboratory tests, specialists’ fees, etc.  Most medical insurance are on a yearly renewable basis up to a certain age or even life-long.

Critical illness insurance provides a lump sum payment after the insured is diagnosed with a covered critical illness. The benefit may be used either for medical treatment or as a living allowance.

SAVINGS
Savings insurance plans
Annuities

Savings Insurance plans combine the advantages of both wealth building and life protection, enabling you to accumulate assets that will become part of your retirement reserves.

Annuities come with different premium contribution periods, income payout periods, guaranteed and non-guaranteed income as well as death benefit arrangements. They offer long-term and stable income for you to enjoy a leisurely retirement life.

ACCIDENT INSURANCE

Accident Insurance provides cover to you and your dependents against the financial strain you may incur if, unfortunately, you have an accident. The coverage of an accident insurance generally includes accidental death, dismemberment, permanent disablement, weekly allowance during the period of temporary disablement (subject to a term as specified in the policy) and medical expenses arising from the treatment of the injury.