Protect your income, your future — no matter what life throws your way.
What Is It?
These types of coverage are designed to provide financial support if you’re unable to work due to an injury, illness, or health-related condition.
They replace lost income or offer a lump-sum payout to help cover medical bills, home needs, or lifestyle adjustments — so you can focus on recovery without added financial stress.
Types of Protection
| Disability Insurance | “Your income is your most valuable asset. Protect it.” Replaces a portion of your paycheck (typically 60–70%) Short-term (3–6 months) and long-term (2+ years or until retirement) Ideal for: anyone who earns a paycheck — employees, freelancers, self-employed |
| Critical Illness Insurance | “Get a lump-sum payment to handle big health events — with freedom and flexibility.” Pays a one-time, tax-free amount if diagnosed with a covered condition like: Cancer Heart attack Stroke Use the money however you choose: care, travel, bills, or recovery time Often bundled with life insurance or offered as a rider |
Popular Add-Ons (Riders)
| Rider | What It Does |
|---|---|
| Waiver of Premium | Pauses your premium payments if you’re out of work |
| Return of Premium | Refunds your premiums if you never use the policy |
| Accelerated Benefit | Gives early access to benefits for qualifying conditions |
Why It Matters
| Situation | Risk Without Coverage | Benefit With Coverage |
|---|---|---|
| Injury at work | Lost income, rising bills | Income continues during healing |
| Unexpected illness | Out-of-pocket medical costs | Lump-sum cash support |
| Recovery period | Career delay, stress | Time + space to focus on he |
