Insurance

Insuring the future of your loved ones

Insurance is a means of protection from financial loss. It is a form of risk management primarily used to hedge against the risk of a contingent, uncertain loss. The amount of money to be charged for a certain amount of insurance coverage is called the premium.

Life Insurance

  • We prioritize insurance planning is a must because it is protection to the life cover risk. It will help you understand whether you are under-insured or over-insured and the existing policies can be earmarked in the financial planning structure.
  • Life insurance is important to people who want to protect their family from financial distress after their death. It can be used to provide financial security for loved ones.
  • The proceeds from a life insurance policy are paid to the beneficiary on a tax-free basis, which provides a lump sum that can be used for a number of purposes. Depending on the type of policy chosen, life insurance can also provide a savings component for the policyholder.

General Insurance

  • General Insurance comprises of insurance of property against fire, burglary etc., personal insurance such as Accident and Health Insurance, and liability insurance which covers legal liabilities.
  • There are also other covers such as Errors and Omissions insurance for professionals, credit insurance etc.

Health Insurance

  • Health insurance covers cost of an insured individual’s medical and surgical expenses.
  • Subject to the terms of insurance coverage, either the insured pays costs out-of-pocket and is subsequently reimbursed or the insurance company reimburses costs directly.