🛡️ Individual · Life & Protection

Individual Life & Protection Insurance

Safeguard your health, income, and family's future with robust protection plans.

Whole Life Insurance
Savings & Protection — Highly Recommended

Whole Life Insurance

  • ✦What it is: Permanent life protection combined with a guaranteed savings and wealth accumulation component.
  • ✦Key Feature: A self-paying policy; after 15 to 18 years, the cash value pays the premiums for you, keeping you covered for life.
  • ✦Best For: Young adults or children. Starting early locks in incredibly low premiums and maximizes long-term financial growth.
Term Life Insurance
Pure Protection

Term Life Insurance

  • ✦What it is: Straightforward, high-value life protection for a specific set period of time (e.g., 10, 20, or 30 years).
  • ✦Key Feature: Maximizes your budget by delivering a very large amount of coverage for a relatively small premium.
  • ✦Best For: Breadwinners, young families, or individuals with outstanding mortgages who need high coverage at the lowest possible cost.
Critical Illness Insurance
Essential Health Shield

Critical Illness Insurance

  • ✦What it is: Provides a tax-free, lump-sum cash payout immediately upon diagnosis of a major covered illness.
  • ✦Key Feature: Offers comprehensive financial support for severe conditions like Cancer, Heart Attack, Stroke, and kidney failure.
  • ✦Best For: Anyone wanting financial freedom to pay for advanced treatments, cover daily living costs, or take time off work to recover without financial stress.
Disability Income Protection
Income Safeguard

Disability Income Protection

  • ✦What it is: A safety net that replaces a significant portion of your monthly salary if an illness or serious injury prevents you from working.
  • ✦Key Feature: Pays out regular, ongoing monthly income rather than a single lump sum, ensuring your bills and lifestyle are maintained long-term.
  • ✦Best For: Professionals, business owners, and solo breadwinners whose families rely completely on their monthly paycheck.
Personal Accident
High Cover, Low Cost

Personal Accident

  • ✦What it is: Immediate financial support in the event of an accidental injury, permanent disability, or accidental death.
  • ✦Key Feature: High financial leverage; it costs a tiny premium to secure a massive lump-sum payout and accident medical expense reimbursement.
  • ✦Best For: Active individuals, commuters, or anyone looking for cheap, essential peace of mind to supplement their main health policies.
🔒 Portable Global Security

Cross-Border Life & Income Protection

Secure your family's global legacy with portable life, disability, and critical illness policies that move seamlessly with you across jurisdictions.

🌐

Worldwide Portability

Policies remain valid regardless of your country of residence.

📜

Multi-Currency Payouts

Claim benefits in USD, EUR, GBP, SGD, or HKD without transfer fees.

Family Financial Legacy
Family Legacy Care
Executive Income Protection
Executive Protection
Critical Illness Cover
Global Medical Guarantee
Accident Protection
24/7 Accident Assistance
Premium estimator

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Indicative only. A licensed broker will confirm exact pricing.

Estimated annual premium
USD 800
Age30
Coverage (USD)1,000,000
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United States — e.g. (201) 555-0123

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