Financial Protection

Accident Insurance

Accident Insurance plans help supplement some or all of the cost left by traditional insurance policies. Generally, benefits are paid directly to the insured, so you can use the money for paying medical bill left by your deductible and coinsurance or just use the money to stay afloat while recouping from your injuries.

Accident coverage includes:

  • Guaranteed acceptance, no health questions asked
  • Competitive rates
  • Convenience of monthly auto pay feature
  • Coverage that stays with the insured, not tied to your employer
Critical Illness Insurance

Critical illness insurance plans help supplement some or all of the cost left by traditional insurance policies. Generally, benefits are paid directly to the insured, so you can use the money for paying medical bill left by your deductible and coinsurance or just use the money to stay afloat while recouping from your illness. Typically, these policies make a lump sum cash payment to the policy holder upon first time diagnosis of the critical illness.

Common Illness covered by Critical Illness insurance

  • A major organ transplant (e.g. heart, lung, liver, pancreas)
  • Alzheimer’s disease
  • Blindness of one or more eyes
  • Cancer (internal)
  • Deafness of one or more ears
  • Heart attack
  • HIV/AIDS contracted by blood transfusion or during an operation
  • Kidney failure
  • Multiple sclerosis
  • Paralysis of limb or limbs
  • Parkinson’s disease
  • Stroke
  • Terminal illness
Hospital Insurance

Hospital insurance plans help supplement some or all of the cost left by traditional insurance policies. Generally, benefits are paid directly to the insured, so you can use the money for paying medical bill left by your deductible and coinsurance or just use the money to stay afloat while recouping from your illness or injury. Benefits provide a fixed daily, weekly or monthly benefit while the insured is confined to a hospital facility.

Benefits of Hospital Insurance
  • Works in addition to your health insurance benefits
  • Reduces or eliminates your out of pocket cost for medical expenses
  • Supplements loss of income while away from work
  • Coverage is generally in $1,000 increments up to $25,000 benefit
Short-Term Disability Insurance

Short-term disability insurance is a benefit for temporary disability due to sickness or injury. It pays a percentage of your salary for a short period of time.

Benefits short-term disability

Short-term disability insurance plans are a benefit for temporary disability due to sickness or injury. It pays a percentage of your salary for a short period of time. Short-term disability reimburses up to 66 2/3% of the insured’s weekly earnings. In addition, your plan may include services to help you return to work after an illness or injury.

Long-Term Disability Insurance

If you have a prolonged disability due to an injury or illness, long-term disability (LTD) insurance helps keep a roof over your head, maintain some daily routines, and pay monthly bills.

Benefits of long-term disability

Long-term disability insurance kicks in once your short-term disability benefits run out. The policy reimburses up to 66 2/3% of your income. The percentage and length of payment vary by employer. In addition, your employer’s LTD plan may include return-to-work support and rehabilitative services. These services are designed to help you realize the goal of recovery and a return to independent, productive work.

When you have a group long-term disability plan, your employer may pay part of the premium.

International Health Insurance

International Health Insurance allows you to travel globally in complete security knowing you have access to all healthcare, from routine care to emergency care.

Benefits of International Health Insurance
  • Flexible Worldwide Coverage- Designed to meet your needs
  • Customizable Coverage- Flexibility to select from multiple deductible and modes of payment
  • For citizens of the international community who travel often for school, work or leisure
  • Transparent eligibility standards
Life Insurance

Life insurance policies are contracts between an insurance policy holder and an insurer to pay a predetermined beneficiary a sum of money in exchange for a premium when death occurs of the insured person. Some contracts allow for payment for other events such as terminal illness or critical illness.

Life insurance policies tend to fall into one of two major categories:
  • Protection policies – designed to provide a benefit, typically a lump sum payment, in the event of death or other specified trigger in the policy. Term insurance is a common version of this type of policy.
  • Investment policies – where the main objective is to facilitate the growth of capital by regular or single premiums. Common forms of Investment Life Insurance are Variable Life, Whole Life and Universal life policies