Life can be unpredictable and no one is protected from events that may have devastating consequences on quality of life (death, divorce, illness, etc.). In addition to having to overcome your grief and other emotional problems, you have to carry the financial burden occasioned by such events.

For a person with family, life insurance is one of the simplest and most important ways you can help protect their financial future.

Life insurance provides tax-free benefit to beneficiries upon your death. This death benefit can help the family

To meet their on going expenses

Pay for children’s education

Pay off loans and debts

Pay off terminal taxes

Pay off funeral costs

The Life insurance contract is valid up to the date of maturity, or unfortunate death, which ever occurs earlier. Realistic assessment requires careful analysis of Income and assets against expenses and liabilities. It a good idea to-examine your life insurance needs at least every few years and certainly when big changes, or life events occur.

Choose a right coverage for you

There are many life and health insurance products available that prepare you to confront these situations confidently. Whether you are living as couple, Buying a property, Planning your retirement or planning your estate or operating a business successfully.

Term life insurance

provides coverage at a fixed rate of payments for a limited period of time, the relevant term. After that period expires, coverage at the previous rate of premiums is no longer guaranteed and the client must either forgo coverage or potentially obtain further coverage with different payments or conditions. If the insured dies during the term, the death benefit will be paid to his/her beneficiaries’. It is the least expensive way to purchase a substantial death benefit on a coverage amount per premium dollar basis over a specific period of time.


A life insurance contract with level premiums that has both an insurance and an investment component. The insurance component pays a stated amount upon death of the insured. The investment component accumulates a cash value that the policyholder can withdraw or borrow against. As the most basic form of cash-value life insurance, whole life insurance is a way to accumulate wealth as regular premiums pay insurance costs and contribute to equity growth in a savings account where dividends or interest is allowed to build-up tax-deferred.

Universal Life

Universal life insurance provides permanent life insurance protection with a tax-advantaged investment component. As cash values accumulate, they can be used to pay part or all of the cost of your insurance. In addition to providing security and protection through its life insurance component, universal life insurancecan provide an additional source of income for emergencies, retirement or for estate planning needs.

You select an investment mix that’s best for you—taking into account the amount of risk you’re comfortable with, and your financial goals and circumstances.

Tax-Advantaged Growth

The total account value in your policy can grow on a tax-advantaged basis within limits. The insurance proceeds paid to your beneficiary upon your death are tax-free and may include the total account value you’ve been accumulating over the years.

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