Protection

Planning

Protection Planning

Protections solution helps protecting you and your loves ones against unexpected situations in the event of death, disability, illnesses and long-term care caused by illness/disability so that the lifestyle is not drastically impacted.

Below are categories of solutions catering to different needs:

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Whole Life Insurance

Whole Life Insurance provides lifelong financial security, ensuring a payout to your beneficiaries upon the insured’s death. This policy also builds cash value over time, making it a valuable financial asset. Options include participating policies, which offer dividends or bonuses; non-participating policies with fixed benefits; and investment-linked policies that combine insurance with investment opportunities.

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Term Insurance

Term Insurance offers affordable coverage for a specified period. In the event of the policyholder’s death or permanent disability during the policy term, the sum assured is paid out. While this plan does not accumulate cash value, it is ideal for individuals seeking cost-effective protection over a set duration.

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Endowment Insurance

Endowment Insurance is designed to help policyholders achieve their savings goals. This plan combines small insurance protection with savings benefits, making it a suitable option for those looking to fund specific financial milestones. However, the payout may be lower than the premiums paid due to the associated investment risks.

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Health Insurance

Health insurance is essential for protecting you and your family against costs of medical care. With healthcare expenses increasing, having the right coverage ensures that you can access quality care when needed without financial strain. Health insurance helps cover a wide range of medical services, including doctor visits, hospital stays, surgeries, and prescriptions, providing you with peace of mind knowing that you are protected from unexpected medical expenses. Investing in health insurance is a proactive step towards safeguarding your health and financial well-being.

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Critical Illness Insurance

Critical Illness Insurance provides a lump sum payout when diagnosed with a serious illness. Some variations of this plan offer partial payouts for early-stage illnesses or multiple payouts for different conditions over time. This coverage can be purchased as a standalone policy or added to a life insurance plan for enhanced protection.

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Long Term Care Insurance

Long-Term Care Insurance offers financial support for individuals with severe disabilities who cannot perform at least three Activities of Daily Living (ADLs). This plan provides monthly payouts to help cover personal care expenses for as long as needed.

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Disability Income Insurance

Disability Income Insurance ensures up to 80% of your income is replaced if you are unable to work due to an accident or illness. While it does not fully replace pre-disability earnings, it provides significant financial support to ease the burden during recovery.

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