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Life Insurance for
Ones You Love
Because caring for your loved ones doesn’t stop—life insurance makes sure of it.
Education Insurance
Life Insurance
Family Insurance
Finance Protection
Find the Right Plan for Every Stage of Life
Term Life Insurance
What it is?
Provides coverage for a specific period (e.g., 1, 5, 10, or 20 years). If the insured dies within the term, beneficiaries receive the death benefit.
Most affordable type
No cash value or savings
Ideal for:
Short-term protection needs, young families, or those with limited budget
Whole Life Insurance
What it is?
Provides lifelong coverage and builds cash value over time.
Lifelong protection
Has savings component
Higher premiums than term
Ideal for:
estate planning, long-term dependents, leaving a legacy
Endowment Insurance
What it is?
Combines insurance and savings. Pays a lump sum after a specific period or upon death, whichever comes first.
Good for financial goals
(e.g., education, retirement)
Guaranteed maturity benefit
Usually more expensive
Ideal for:
Saving for a specific future need
Variable Universal Life (VUL) Insurance
What it is?
A flexible policy with investment and insurance components. Part of the premium goes into investment funds.
Potential for higher returns
Lifelong coverage
Market risks involved
Ideal for:
People who want insurance + investment in one plan
Group Life Insurance
What it is?
Coverage offered to a group (e.g., employees of a company) under a single policy.
Lower cost per person
Convenient for employers
Limited customization
Ideal for:
companies or organizations providing employee benefits
Optional Add-Ons (Riders)
You can enhance most life insurance policies with riders like:
Critical illness benefit
Accidental death benefit
Waiver of premium
Hospital income benefit
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