Still not sure take a look at what our clients have to say.


Learn more about what type of covers are available, how much cover you may need and how to apply.

Policy premiums and paying for your policy

The monthly and annual premium of each person will differ because it depends on their
financial needs, their health and life style status and their ability to pay.

Life insurance (The moment you sign up to $500,000 automatic coverage) Critical illness
insurance – coverage is paid after 3months.

If a client withholds information during the application process, the claim can be denied due

Smoking and Illicit drug use

Your policy would still be enforced. Premiums not paid for three (3) months, then have a 30day grace period before lapsing.

If the plan is NOT a term policy, it will accumulate cash values after three years or one year depending on the type of policy you have.

You will still have coverage as long as you continue paying for it.

A change of beneficiary form needs to be done.


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