Life Insurance
We understand that your family’s financial security is a top priority. Our Life Insurance policies ensure that your loved ones are protected in case of unexpected events. With flexible plans and affordable premiums, we help you plan for a secure future.
Why Choose Our Life Insurance Insurance?
At InsureWise, we understand that everyone’s financial goals are unique. Here’s why our Life Insurance solutions stand out:
Pay off debts and loans.
Cover daily living expenses for your family.
Fund your children’s education.
Protect your spouse’s retirement plans.
What is life insurance?
Life insurance is a policy that provides a lump-sum payment (death benefit) to your beneficiaries in case of your passing. It helps cover expenses like funeral costs, debts, mortgages, and your family's daily living expenses.
How much life insurance coverage do I need?
The coverage amount depends on factors like:
Your income and financial obligations.
Outstanding debts (mortgage, loans, etc.).
Future expenses (college tuition, retirement support).
A general rule is to have coverage 10–15 times your annual income.
Your income and financial obligations.
Outstanding debts (mortgage, loans, etc.).
Future expenses (college tuition, retirement support).
A general rule is to have coverage 10–15 times your annual income.
Can I get life insurance if I have pre-existing health conditions?
Yes! While some conditions may affect premiums, we offer plans that accommodate various health backgrounds. Some policies require medical exams, while others (like Guaranteed Issue Life Insurance) do not.
Is life insurance expensive?
Life insurance is more affordable than most people think. The cost depends on factors like age, health, coverage amount, and policy type. Young and healthy individuals typically get lower premiums.
Service Options
1
Term Life Insurance
Provides coverage for a specific period (e.g., 10, 20, or 30 years).
Affordable premiums with high coverage amounts.
Ideal for individuals seeking temporary financial protection.
2
Universal Life Insurance
Flexible premiums and coverage options.
Cash value growth with potential investment opportunities.
Ideal for those who want adjustable financial protection.
3
Group Life Insurance
Offered by employers to their employees as part of a benefits package.
Typically lower-cost coverage with basic death benefits.
Employees may have the option to buy additional coverage.
4
Whole Life Insurance
Lifetime coverage with fixed premiums.
Builds cash value over time.
Great for long-term financial planning and wealth transfer.
5
Accidental Death & Dismemberment (AD&D) Insurance
Pays a benefit if the insured dies or suffers a severe injury due to an accident.
Covers loss of limbs, vision, or paralysis in addition to accidental death.
Can be purchased as a standalone policy or as a rider on other life insurance plans.
6
Family Income Benefit Insurance
Instead of a lump-sum payout, this policy provides monthly income to beneficiaries.
Ideal for families that rely on a steady income stream.
Ensures financial stability for dependents after the insured's passing.
