Life Insurance:
Provides your
family or dependents or business with a lump sum benefit in the
event of your premature death.
Income Protection:
Provides
an income benefit in the event of disablement through sickness or
injury.
Critical Illness Cover:
Also
known as Trauma cover or Recovery, it provides you with a lump sum
benefit on diagnosis of common specified medical conditions: cancer,
heart attack, stroke etc.
Terminal Illness
Cover:
Provides you with a lump sum benefit on diagnosis
of a terminal illness.
Permanent Disability
Cover:
Provides you with a lump sum benefit if you are
permanently disabled.
Business Protection:
Various
risk cover against your health or life that provides towards your
business expenses or business succession.
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Two in five men will have a critical illness
between the ages of 30 and 64. 
One in three men will be diagnosed with cancer
in their lifetime. 
One in four women will have a
critical illness between the ages of 30 and 64.
There is a 50% chance of suffering a stroke in
one's lifetime. 
One in three working people will be off work
for more than three months due to disability between age 20 and
50.