Insurance Services

Life Insurance

Life Insurance provides the security and peace of mind to your family even after you.

Its always good to plan in advance for your loved ones financial aspects. Do you worry about your family's financial security in case of life events.

In current uncertain times, it becomes necessary to plan for their family and life insurance becomes integral part of the life. I help the clients to choose the right insurance for themseleves and their family members.

There are various types of life insurance availale. The cost of the insurance depends on many factors like age, health condition, lifestyle, gender etc.

Term Life Insurance

If you do not want to commit yourself for lifelong insurance premiums, you can opt for the Term Life Insurance. It is cost-effective, low cost coverage option for a specific period of terms like 10,15, 20 or 30 years or more. It has option to specify the length of the term for the insurance.

There are many benefits of having the Term Insurance

• Provides the health coverage at cost effective price
• No tax will be applied to beneficiaries payment
• Provides financial security to your family and loved ones
• Easily convert the Term insurance to Universal or Permanent insurance

Permanent / Whole Life Insurance

Permanent Life Insurance is also known as Whole Life Insurance. It gives the coverage for the lifetime. It acts as a financial stability for your family and helps you get the wealth in long run.

Highlights of Permanent Insurance

• Pay for limited time and get benefits lifetime
• Insurance coverage is for lifetime
• It has investment option which generates the wealth over long run
• Additional Surplus funds can be used for any type of expenses
• No tax will be applied to beneficiaries payment

Universal Life Insurance

Universal Life Insurance is one of the part of Permanent Life Insurance. It is bundle with the investment account along with life insurance which offers the flexibility for the investment and insurance.

Highlights of Permanent Insurance

• Provides the lifetime coverage
• Offers flexibility to choose the investment
• Premiums are flexible
• No tax will be applied to beneficiaries payment

Travel/Super Visa/Visitor Visa Insurance

What You Need to Know

Travel medical insurance is an essential form of coverage for individuals traveling outside their home country. It provides protection against unforeseen health-related incidents during a trip, such as medical emergencies, accidents, and illnesses. Without it, travelers may face high medical costs abroad, limited access to quality care, and logistical challenges in navigating foreign healthcare systems.

Why You Need Travel Medical Insurance

• Health Emergencies: Medical emergencies can happen at any time, even while on vacation. If you fall ill or suffer an injury abroad, travel medical insurance can help cover the cost of medical treatment, hospitalization, surgery, and medications, which may be expensive in foreign countries.
• Evacuation Coverage: Some destinations have limited medical facilities, and serious conditions may require evacuation to a better-equipped hospital or even back to your home country. Travel medical insurance often includes coverage for medical evacuation, ensuring you're transported to the nearest capable medical facility or back home if necessary.
• Access to Doctors and Hospitals: Insurance often comes with a network of medical professionals and hospitals, providing easier access to quality care. Some plans also offer a 24/7 assistance hotline to help you find medical providers wherever you are.
• Emergency Medical Repatriation: If you need to return home due to a serious illness or injury, medical repatriation will cover the costs of returning you to your home country for further treatment or recovery.
• Peace of Mind:Traveling with medical insurance gives you peace of mind, knowing that you’re covered in case of unexpected health issues.

What Does Travel Medical Insurance Cover?

Travel medical insurance can be comprehensive or tailored to your specific needs. Generally, it covers:

• Emergency Medical Care: Coverage for doctor visits, hospital stays, surgery, and medical treatments due to accidents or illnesses.
• Medical Evacuation: Emergency transportation to the nearest medical facility or back to your home country.
• Repatriation of Remains: In the unfortunate event of death, it covers the costs of returning your remains to your home country.
• Emergency Dental Care: Coverage for urgent dental treatments.
• Prescription Medications: Costs for necessary medications following a covered medical event.
• Trip Interruption and Cancellation: Some plans offer optional coverage for trip cancellations due to unforeseen medical issues.