Term Life Insurance: Provides coverage for a specified period (e.g., 10, 20, or 30 years) and pays a death benefit to the beneficiaries if the insured passes away during the term of the policy.
Whole Life Insurance: Offers lifelong coverage with a guaranteed death benefit and accumulates cash value over time, providing a source of savings or investment.
Universal Life Insurance: Combines the benefits of life insurance with a flexible premium structure and the potential to earn interest on accumulated cash value.
Endowment Plans: Provides a death benefit to beneficiaries if the insured passes away during the policy term or a maturity benefit if the insured survives the policy term.
Medical Expense Coverage: Covers expenses related to hospitalization, surgery, doctor visits, prescription drugs, diagnostic tests, and other medical treatments.
Dental and Vision Coverage: Provides benefits for routine dental care, eye exams, prescription glasses, and contact lenses.
Critical Illness Insurance: Pays a lump-sum benefit upon diagnosis of specified critical illnesses such as cancer, heart attack, stroke, or organ failure, helping cover medical expenses and other financial needs.
Disability Income Insurance: Replaces a portion of lost income if the insured becomes disabled and is unable to work due to illness or injury, ensuring continued financial support for living expenses.
Long-Term Care Insurance: Covers the costs of long-term care services, including nursing home care, assisted living, and in-home care, for individuals who are unable to perform activities of daily living due to age, illness, or disability.
