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- Term Life Insurance
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Funeral Insurance
> Critical Illness
- Illnesses Covered
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- Return of Premium
- Advantage and Disadvantage of critical illness
> Disability Insurance
- Injury Coverage
- Injury/Illness coverage
- Understanding Terms in Contract
> Long Term Care
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Disability Insurance


This Insurance coverage provides monthly benefit up to 75% of your gross monthly income in the event you are not able to work because of disability. Disability Insurance basically offers coverage in the event of injury only or injury and illness coverage. Some differences are explained under:
Both the plans could be bought with waiting period or elimination period of 0 days, 30 days, 90 days, and 120 days.

Benefit period could be selected from 2 years, 5 years or up to age 65 or up to age 70.

Disability Insurance – Injury only

Disability Insurance- Injury/ Illness

This plan pays monthly benefits in the event insured is unable to work because of injury and only in the event of injury from an accident.

This plan pays monthly benefits in the event insured is unable to work because of injury resulting from accident or Illness because of health reasons.

This plan could be best for some one who has a job involving high risk of accident.

This plan is a total coverage as even for     some one doing high risk job is also exposed to health related risks.

Cost effective way to have coverage as injury only coverage cost much less in comparison to injury and illness coverage.

These plans offer more comprehensive coverage but the monthly premiums are higher in comparison to injury only coverage.

Professions like Truck drivers, Taxi drivers, warehouse workers, industry workers, blue collar jobs, window cleaning, other self employed are good candidate for this kind of coverage.

Because the premiums are higher, most of the time people who are subject to more stress related jobs go for this kind of coverage: such as Doctors, Lawyers, Engineers, management people.


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Medical Health Conditions/

Smart Shoppers / Wise steps in getting Life Insurance Policy/ how to proceed
When applying, always apply with three or more insurers or insurance company at the same time, doing that yourself could be troublesome, so taking a help of life insurance broker is a better option, as we can apply for you with three or more life insurance companies at the same time and the advantages are... Read more...

What is No Medical Life Insurance?
No medical Life Insurance as name signifies Life insurance without medical examination ie no blood work, no needle tests or urine sample or no medical results from doctor.


Understanding Universal Life Insurance Policy
Universal life insurance plan typically consists of insurance coverage in the form of permanent insurance combined with an investment component (also called Cash Value or surrender value).


Life Insurance options for conditions like Cancer, Stroke, High B.P., Diabetes, Heart Conditions
Life Insurance offers many options to you when you are healthy and options offered by this insurance industry to those with health conditions is limited and few, but good news is there are still few options... Read more...


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> Life Insurance without Medical
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