Support While You Live. Security When You’re Gone
Protect your income today. Leave a legacy for tomorrow.
You Need Life Insurance If:
Parents or Providers
You’re the safety net.
You get diagnosed with something serious. You can’t work for a while. The mortgage—or rent—is still due.
You’re the only paycheck in the house.
And your kids still need school fees, groceries, and a stable home.
Young Professionals & Business Owners
You're building something big.
But illness doesn’t care about your plans—or your bills.
You don’t have a big savings buffer yet.
Even a short setback could mean missing rent or losing traction.
Planning to buy property?
Many banks require life insurance to approve your mortgage—this plan helps you qualify and stay protected.
Mid-Career & Future-Focused Professionals
You’ve worked hard for stability.
You don’t want to drain your savings—or your retirement fund—on unexpected hospital bills.
You’re planning for retirement—but life is unpredictable.
Years of
Experience
Life Insurance Isn’t Just
For the End of Life…
While you’re living
- Pay you if you're seriously ill (like cancer, stroke, or heart attack)
- Help cover everyday costs like groceries, rent, and utilities
- Give you breathing room if you can’t work due to illness
- Strengthen your application for a mortgage or business loan
If you pass away
- Provide a lump sum to your loved ones
- Cover funeral costs and unpaid debts
- Protects your family’s standard of living and provides stability in a time of grief
- Help your family pay off a mortgage or other major loan
Life Insurance Plans
Term Life Insurance
Term Life Insurance is a short-term coverage option, with our policy lasting up to age 85.
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Life Insurance + Savings
Life Insurance with Savings is a plan combining two things: it gives you life insurance coverage to protect your loved ones and lets you invest your money until you reach age 65.
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Whole Life Insurance
Whole Life Insurance, or Ordinary Life Insurance, is a lifelong coverage plan. If something happens to you, your chosen loved ones receive a payout.
Term Life Insurance
Term Life Insurance is a short-term coverage option, with our policy lasting up to age 85. It’s known for being the most budget-friendly life insurance choice. Unlike permanent life insurance, it doesn’t accumulate cash value. Instead, the benefit is payable only if the insured person passes away while the policy is active. You can use this policy to cover loans or mortgages.
Life Insurance + Savings
- You can pick from 3 Funds to invest your money: Bond Fund (safest), Mortgage Fund (moderate risk), Property and Equity Fund (riskier)
- Your policy value varies based on how well the fund performs
- Your fund earns interest every month
- You can take out a loan using the money invested in the Bond and Mortgage Funds
- You can use the overall value of your insurance policy as security for loans, mortgages, education costs, etc
- Once the policy ends at age 65, you receive the value of the policy at that point
- If you pass away, your loved ones will receive the policy value at the time of your passing, plus the remaining payments you would have made to the policy if you were still here.
Whole Life Insurance
Basic Plan
- Builds up cash value over time
- The amount you pay (premiums) and the amount your loved ones receive (payout) remain constant for the entire policy duration
Enhanced Plan
- Offers higher cash value accumulation.
- Premiums and payout amounts stay fixed, but the payout increases on the 11th and 21st anniversaries of the policy.
Get the answers you're looking for.
It’s best to look at your family’s immediate, ongoing and future financial obligations, and compare that with your financial resources.
Types of financial obligations:
- Immediate: funeral costs, medical bills, taxes
- Ongoing: mortgage payments, utilities, food
- Future: university tuition, retirement funds
Types of financial resources: your income, savings, income-producing assets, investments
A financial advisor or customer representative can help you come up with the right coverage to suit your needs.
Most plans do require a medical exam and charge premiums based on the level of risk they assign to you. However, even if you are not in top health or have a serious health condition, there are still life insurance options available. This may come at a higher cost.
Yes, you can pay online with a credit card, but not over the counter.
Yes, you can pay on behalf of someone else, but you must present your ID for our records and complete an Authorisation of Payor Form.
You can access your Cash Surrender Value (CSV) by taking it in the form of a loan, which needs to be repaid.
Yes, you can name your child as your beneficiary, but if the child is under 18, you will need to appoint a trustee to act on their behalf.
You can obtain an application for a duplicate policy contract form from our office and make a declaration with a commissioner of affidavits.
No, it covers either your death or critical illness upon diagnosis, not both simultaneously.
It depends on the type of policy. Term life policies do not have a CSV; other types may have.
Yes, after 3 years of the policy’s existence, you can avail the option of taking a policy loan against the CSV. Different policies have different interest rates.
