Life insurance helps your loved ones manage the financial burden after you’re gone.

• Term life: Provides coverage for a specific period (e.g., 20 years). Cheaper but doesn’t build cash value.
• Permanent life: Covers you for your entire life. Often includes a cash value component that accumulates over time.

There are additional features you can add to your policy, like riders, for broader coverage.

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Disability insurance is a type of insurance designed to protect your income if you’re unable to work due to illness or injury. There are two main types of disability insurance:

• Short-term disability insurance: This typically covers you for a few weeks or months, up to a year in some cases, if you can’t work due to a short-term illness or injury.
• Long-term disability insurance: This kicks in after your short-term disability benefits run out and can last for years, or even until retirement, depending on the policy.

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Critical illness insurance, also known as critical illness cover or dread disease insurance, is a type of insurance policy that pays you a lump sum benefit if you are diagnosed with a serious illness covered by the policy

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Key person life insurance is a type of insurance a business takes out on the life of an employee considered crucial to the company’s success. This employee is often referred to as a “key person” because their death would cause significant financial hardship to the business, such as a CEO, top salesperson, or someone with unique skills critical to the business.

Benefits for the business:

• Provides a financial cushion to cover expenses during a difficult transition period.
• Helps fund the search and recruitment of a replacement for the key employee.
• Maintains business stability and investor confidence.

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“Mortgage insurance” and “insurance” are two separate types of insurance:

• Mortgage loan insurance: This protects the lender/bank, not the borrower.
• Mortgage loan protection insurance: This is a life insurance policy specifically designed to pay off your mortgage if you die. This protects your family by ensuring they inherit a paid-off house, not the lender. You pay the premium for this type of insurance, and your beneficiaries receive the payout.

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Group benefits insurance, also known as employee benefits insurance, is a type of insurance plan offered by businesses to their employees. Here’s a breakdown of what group benefits insurance typically covers:

• Health insurance: This is usually the core benefit, covering medical expenses like hospital stays, doctor visits, and prescriptions.
• Dental insurance: This helps pay for dental treatments like cleanings, fillings, and orthodontics.

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