Insurance Plan

 

Life insurance products have two components: risk protection and investment. 

The risk protection component of insurance products can protect your family from unforeseen circumstances, such as death, critical illnesses, and disabilities. An insurance plan is a must-have plan for each family from a risk protection point of view.

Life insurance can also be utilized as vehicles for accumulating wealth in a tax-exempt environment. 

If your family does not have any insurance products, you should at least have a plan in hand to identify your family’s needs.

We can help you create an insurance plan to cover all your protection needs.

Risk Management

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Your family needs sufficient money to satisfy the following needs under unforeseen circumstances:

 

• Mortgage and long-term debt repayment

• Credit card balance repayment

• Line of credit balance repayment

• Care expenses for raising kids

• Daily living expenses

 

Where can you get money to cover these needs if an unforeseen circumstance arises?

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We can help you identify the risks and the vehicles to get the money to cover these risks.

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Insurance Protection Plan 

 

Your ability to earn an income is your most important asset. You earn sufficient income regularly to support you and your family. However, when you are unable to work due to a serious accident, disability or illness, you will lose your income stream, and put you and your family in a very difficult situation. It is even worse if you need to take 2 years, 5 years or longer to recover. Do you have the financial stability to cover your spending on your road to recovery?

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We can help you have a proper income protection plan in place to prevent the financial hardship caused by these unforeseen events.