• 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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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.

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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wholelifeinsurance

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.

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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longtermcare

Long Term Care 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.

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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