Critical illness benefit
Receive a lump sum upon diagnosis of specific severe illnesses, such as cancer or heart attack.
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Health and disability protection
Comprehensive coverage for your future well-being
Book a consultationWhy it matters
Alleviate financial stress with plans that cover essential medical expenses, ensuring you get the care you need without compromise.
Protect your livelihood with disability plans that provide consistent income support during periods of unexpected health challenges.
Plan ahead for long-term care needs, so later years bring stability and comfort rather than a drain on savings.
Coverage options and types
Living benefits: financial access during health crises
Living benefits allow you to access a portion of your life insurance benefit if you’re diagnosed with a serious health condition. This helps you focus on recovery without the worry of immediate financial burdens.
They come in several types, each designed to provide financial support during critical illness, chronic illness or terminal illness.
Chronic illness benefit
Provides financial support for chronic conditions that limit daily living activities.
Terminal illness benefit
Access part of the policy’s death benefit if diagnosed with a terminal illness, typically with a limited life expectancy.
Who living benefits suit
Ideal for those seeking financial support during major health challenges to ease the burden of treatment costs.
Suited for individuals looking to safeguard their personal finances while focusing on recovery.
Perfect for ensuring access to quality caregiving services when needed most.
Long term care insurance: secure quality care
Long term care insurance covers extended care needs, from home health services to assisted living and nursing homes. It’s essential for protecting savings and ensuring you can afford the care you need as you age.
It comes in several forms, each paying for care in a different way.
Traditional long term care insurance
Standalone coverage specifically for long-term care services.
Hybrid long term care insurance
Combines long-term care with life insurance, offering a death benefit if care is not needed.
Indemnity long term care insurance
Pays a set daily benefit regardless of actual expenses.
Reimbursement long term care insurance
Reimburses costs up to a policy limit based on actual care expenses.
Who long term care insurance suits
Ideal for individuals approaching or already in retirement who want to preserve their financial assets.
Best for those looking to shield their savings from unexpected healthcare or long-term care expenses.
Suited to people who want a choice of care, whether at home or in a specialized facility.
Disability insurance: income protection in uncertain times
Disability insurance replaces a portion of your income if an illness or injury prevents you from working. Policies can be customized based on your occupation and income needs.
Short term disability insurance
Covers income for a limited time, typically up to six months.
Long term disability insurance
Provides longer coverage, potentially up to retirement age.
Own occupation disability insurance
Offers financial protection if you’re unable to perform your specific job due to illness or injury, even if you can work in another role.
How policies define disability
True own occupation
Pays benefits if you’re unable to work in your specific job, even if employed in another role.
Modified own occupation
Pays if you’re unable to work in your occupation and are not employed in any other job.
Any occupation disability insurance
Provides benefits only if you’re unable to work in any capacity based on your skills and experience.
Residual disability insurance
Covers partial income loss if you’re working part-time due to disability.
Who disability insurance suits
Beneficial for individuals in high-income roles who want to protect their earnings in case of illness or injury.
Great for self-employed individuals seeking disability protection outside of employer coverage.
Designed for individuals seeking financial stability throughout recovery or a long-term disability.
Get started with health and disability protection
Life can be unpredictable, but your health and financial well-being don’t have to be. Explore our options for health and disability protection and let us help you find the right plan tailored to your life stage, profession and future goals.
Frequently asked questions
What’s the difference between “own occupation” and “any occupation” disability insurance?
“Own occupation” coverage provides benefits if you can’t perform your specific job duties, while “any occupation” coverage requires you to be unable to work in any occupation.
Does disability insurance cover both short-term and long-term disabilities?
Yes, disability insurance can offer both short-term and long-term options depending on your policy and coverage needs.
What are living benefits in a life insurance policy?
Living benefits allow you to access part of your life insurance benefit if diagnosed with a serious illness, helping cover expenses during treatment.
How do I determine how much disability insurance coverage I need?
It depends on your income, fixed expenses and savings. Policies commonly replace around 50–70% of pre-disability income, and we work out whether that, plus any employer coverage, would actually cover your household's bills.
Can I purchase additional disability insurance on top of my employer’s coverage?
Yes, you can purchase supplemental disability insurance to bridge any gaps in coverage and provide additional financial security beyond what your employer offers.
Why wait? Your financial future is calling.
The sooner you start, the more options you have. Book a call and we will walk through where you stand today.