Life’s Turning Points:
Committing yourself to the person you love means making future plans with that person. It also means confronting life’s difficult moments. To better face unexpected situations and stay happy, ensure that you have adequate financial protection.
If you do not yet have life insurance, you would be wise to take out coverage to ensure the financial security of your spouse in case of an untoward event. If you designate your spouse as beneficiary, your spouse will receive the benefit payable in accordance with the associated conditions. If you already have life insurance protection, you might think about increasing your coverage to protect your spouse from potential financial worries.
Disability/ Income Replacement Insurance:
If you or your spouse becomes disabled as a result of an accident or illness, disability income insurance will replace your salary so that you can maintain your standard of living.
Accident insurance will help you face contingencies and assume the costs of an accidental injury or death. In certain cases, you may be able to obtain the reimbursement of costs that either are not covered or are partially covered by group insurance plans.
Critical Illness Insurance:
The diagnosis of a critical illness is very unsettling, not only to you but also to your spouse. If a critical illness means that you must quit your job, critical illness insurance will allow you to continue to pay your day-to – day expenses and devote 100% of your energy to your recovery, free of financial worries
Three types of term coverage are available:
Term: A 10, 20 or 100 -year term. It’s possible to renew your coverage or to convert it to whole life or universal life coverage without a medical exam.
Universal Life Insurance: With our universal life insurance product Genesis, you can insure the financial security of you and your loved ones through one and the same contract and at the same time accumulate additional tax-sheltered amounts to use as you wish. Genesis provides you with a flexible financial program that you can adapt to your changing needs.
Whole Life Insurance: Your premiums, your face amount and you surrender value are guaranteed. No surprises, no worries.
Payment Options: You can choose to pay up your premiums in 10, 15, 20 or even 30 years, up to age 65 or even up to age 100 so you can set up a budget according to your priorities.
Requiring no medical examination or blood test, this type of insurance is intended for persons who for medical reasons have difficulty obtaining insurance. We have designed two different products providing insurance without medical examination—Alternative and Perspective—to better meet your specific needs.