top of page

You can also add supplemental policies such as:

  •  Valuable Articles/Floater policies

         (i.e. Jewelry Insurance)

  •  Flood policies

  •  Umbrella policies (additional liability)

Family Moments


Whether getting married, starting  a family, a business or buying a home, Term Insurance helps you to protect what is important to you.
Term Insurance is the most affordable type of insurance, which can be helpful to cover temporary needs and ensure a tax-free payout to the beneficiary at the time the client passes away.
Term Life Insurance provides life insurance protection for a specified period of time, with a term ranging from 1 year up to age 100. Term Life is sometimes convertible to Permanent coverage, providing you with flexibility as your needs change.


  • Because you want an affordable life insurance coverage with guaranteed premiums for a specified term.

  • Because you want to provide future financial security for your loved ones.

  • Because you need to protect your lifestyle and an arrangement for debt liabilities such as Mortgages.

  • Because you want a policy that comes with a conversion option to provide for your permanent insurance need later in your life.

  • Because you are a business owner who is planning for your company’s succession or need to protect the business from losses in the event of a sudden exit of your key employee.

Term policies are issued on a single-life or joint-life as joint first to die or joint last to die.

Why you need Term insurance?

For Whom the Non-Medical Term Life insurance is best suitable?

  • People with Chronic health problems, overweight/underweight or may get rated for a higher premium on their life insurance policies.
  • Young Individuals who have health problems or have adverse past insurance or family health history.
  • Seniors who wish to protect their estate, take care of taxes and leave behind a legacy.
  • Children with congenital health problems  

A Scenario:

“Jhon, aged 29, is an IT professional living with 26 years old graphic designer wife Mandy and a daughter. Recently the couple purchased a 1.5-million-dollar house. The family income is sufficient to support a healthy lifestyle. If one of them were to die, the survivor would have a tough time making those mortgage payments and keeping up the lifestyle. To ensure that the survivor would be able to repay the mortgage and keep the house, Jhon and Mandy took a 1.5 million dollar joint-first-to-die Term policy naming each other as the beneficiaries. So, if Jhon dies, Mandy will receive the death benefit, which she can use to repay the outstanding mortgage.”
bottom of page