Life/Health Insurance

What is Life Insurance?

Life insurance provides financial support to your loved ones in the event of your passing. It ensures that they can maintain their standard of living, cover expenses, and plan for the future without financial strain.

What Does Life Insurance Cover?

• Term Life Insurance: Provides coverage for a specific period, paying out a death benefit if you pass away during the term.
• Whole Life Insurance: Offers lifelong coverage with a death benefit and a savings component that builds cash value over time.
• Universal Life Insurance: Combines the benefits of term and whole life insurance, with flexible premiums and a cash value component.

Why Do You Need Life Insurance?

• Financial Security for Loved Ones: Ensures your family can cover living expenses, debts, and future needs.
• Debt Repayment: Helps pay off mortgages, loans, and other debts.
• Peace of Mind: Provides reassurance that your loved ones are protected financially.

What is Health Insurance? Health insurance covers the cost of medical care, ensuring you have access to necessary treatments and services without the burden of high medical bills.

What Does Health Insurance Cover?

• Preventive Care: Covers routine check-ups, vaccinations, and screenings to maintain health and catch issues early.
• Medical Treatments: Pays for doctor visits, hospital stays, surgeries, and other necessary medical procedures.
• Prescription Drugs: Helps cover the cost of prescribed medications.
• Specialist Care: Provides access to specialists for specific health concerns.

Why Do You Need Health Insurance?

• Access to Healthcare: Ensures you can receive timely and appropriate medical care.
• Financial Protection: Reduces the financial burden of medical expenses and emergencies.
• Peace of Mind: Allows you to focus on recovery and health without worrying about costs.