• LIFE PRODUCTS

        • Your Guide for a fortified tomorrow.

        • Term life insurance is a type of life insurance policy that provides coverage for a specified period, known as the term.

          Unlike permanent life insurance policies, such as whole life or universal life, which offer coverage for the insured’s entire life, term life insurance offers coverage for a predetermined period, typically ranging from 5 to 30 years.

          This type of insurance is designed to provide financial protection to your loved ones in the event of your untimely death during the term of the policy.

          Universal life insurance is a type of permanent life insurance that combines a death benefit with a cash value component.

          Unlike whole life insurance, which typically offers fixed premiums and cash values, universal life insurance provides policyholders with flexibility in premium payments, death benefit options, and the allocation of cash value among investment accounts.

          This flexibility allows policyholders to adjust their coverage and premiums over time to suit their changing financial needs and goals.

          Whole life insurance is a type of permanent life insurance that provides coverage for the entire lifetime of the insured individual, as long as premiums are paid.

          Unlike term life insurance, which offers coverage for a specified period, whole life insurance offers lifelong protection and includes a cash value component that grows over time.

          This cash value accumulation provides policyholders with an additional financial asset that can be accessed during their lifetime through policy loans or withdrawals.

          Long Term Care (LTC) insurance provides financial protection by covering the expenses related to long-term care services, encompassing a wide range of healthcare needs including nursing home care, assisted living facilities, in-home care, and various medical services required for chronic illnesses, disabilities, or conditions necessitating assistance with daily activities over an extended duration of time.

          Disability insurance is a type of insurance coverage designed to provide financial protection in the event of a disabling injury or illness that prevents an individual from working and earning an income.

          Disability insurance replaces a portion of the insured individual’s income if they become disabled and are unable to work, helping to cover essential living expenses, medical bills, and other financial obligations during a period of disability.

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SECURING FAMILIES FOR 15 YEARS
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We are celebrating 15 years of unwavering excellence backed by 500+ tailored solutions, 50+ leading carriers, and proudly served over 50,000 + Families

What is LIFE INSURANCE?

In essence, you have a contract with a life insurance provider whereby you pay them and they provide you with coverage.

Think of it like a membership: as long as you continue to pay your premiums, you will be protected. Your goals determine what coverage you have. It could be making sure your spouse can pay the mortgage, providing for your children’s schooling, or simply ensuring the daily financial security of your family.

Simple and reasonably
priced life insurance serves as a safety net to assist you in accomplishing these objectives and lowers the risks that you and your loved ones may encounter.

What is TERM LIFE INSURANCE?

Term life insurance is a type of life insurance policy that provides coverage for a specified period, known as the term. Unlike permanent life insurance policies, such as whole life or universal life, which offer coverage for the insured’s entire life, term life insurance offers coverage for a predetermined period, typically ranging from 5 to 30 years.

This type of insurance is designed to provide financial protection to your loved ones in the event of your untimely death during the term of the policy.

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What is WHOLE LIFE INSURANCE?

Whole life insurance is a type of permanent life insurance that provides coverage for the entire lifetime of the insured individual, as long as premiums are paid. Unlike term life insurance, which offers coverage for a specified period, whole life insurance offers lifelong protection and includes a cash value component that grows over time.

This cash value accumulation provides policy holders with an additional financial asset that can be accessed during their lifetime through policy loans or withdrawals.

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What is UNIVERSAL LIFE INSURANCE?

Universal life insurance is a type of permanent life insurance that combines a death benefit with a cash value component. Unlike whole life insurance, which typically offers fixed premiums and cash values, universal life insurance provides policyholders with flexibility in premium payments, death benefit options, and the allocation of cash value among investment accounts.

This flexibility allows policyholders to adjust their coverage and premiums over time to suit their changing financial needs and goals.

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What is LONG TERM LIFE INSURANCE?

Long Term Care (LTC) insurance is a type of insurance coverage designed to help cover the costs associated with long-term care services, such as nursing home care, assisted living facilities, in-home care, and other healthcare services needed for chronic illnesses, disabilities, or conditions that require assistance with daily activities over an extended period.

longtermcare

What is DISABILITY INSURANCE?

Disability insurance is a type of insurance coverage designed to provide financial protection in the event of a disabling injury or illness that prevents an individual from working and earning an income. Disability insurance replaces a portion of the insured individual’s income if they become disabled and are unable to work, helping to cover essential living expenses, medical bills, and other financial obligations during a period of disability.

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Frequently Asked Questions

Life cover, also known as life insurance, provides financial protection to your loved ones in the event of your death. It offers a lump sum payment to the beneficiaries, helping them maintain their financial stability and cover expenses such as funeral costs, mortgage payments, and everyday living expenses.

EMAXONELIFE offers a range of life insurance products to cater to different needs and preferences. Our life insurance options include term life insurance, whole life insurance, universal life insurance, (IUL) indexed universal life, long term care insurance, disability insurance, and annuity products. Each product provides unique features and benefits allowing individuals to choose the coverage that best suits their requirements.

EMAXONELIFE offers life insurance coverage to a wide range of individuals. Eligibility requirements may vary depending on the specific policy and coverage selected. Generally, anyone who meets the following criteria can apply for life insurance:

checkedMust be of legal age (18 years or older)
checkedMust be a citizen or permanent resident
checkedMust meet the underwriting standards set by EMAXONELIFE, including health and lifestyle factors.
checkedSome policies may have additional eligibility criteria or restrictions, which can be discussed with an EMAXONELIFE Insurance Advisor.
Life insurance is available to individuals who meet the eligibility criteria set by EMAXONELIFE. While the specific requirements may vary, generally, the following individuals can have life insurance:
playtime for minorsMinors
working professionalsWorking professionals
stay at home parentsStay-at-home parents
seniorsSeniors
business owners 1Business owners
financial dependentsIndividuals with financial dependents
homeowners with mortgagesHomeowners with mortgages
individuals seeking to protect their loved ones financiallyIndividuals seeking to protect their loved ones financially

General Disclaimer

Life insurance provides an opportunity for individuals from various backgrounds and life situations to protect their families and loved ones financially.

If you have any further questions or need more information, please feel free to reach out to our EMAXONELIFE Life Insurance Advisor.

Get your LIFE INSURANCE NOW!

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