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Life Insurance

On this page is some basic information about life insurance; contact Pacific Prime today to learn more about life insurance or health insurance worldwide.

While health insurance worldwide will give you access to high quality healthcare, there are eventualities that it may not protect against. For instance, how would your family cope in the event of your death? What would you do if you were diagnosed with a terminal illness? A term life insurance plan provides financial support to a policyholder's family in the event of the policyholder's death. If a policyholder should die during this time then the plan will provide a cash benefit. This cash benefit is usually used to help pay for your children's education, food, holidays, as well as any bills associated with the death, outstanding mortgage, estate duties, and relief for any beneficiaries that would have been affected by the loss.

A term life policy will provide life protection for a predetermined length of time usually between 5 and 35 years. Term life policies are designed to protect your family and loved ones until such time as they are financially independent. This targeted policy length allows for more flexibility within the plan.

A Term Life plan will only provide monetary reimbursement if the policyholder dies within the predetermined time frame. A Term Life policy will offer no other benefits apart from the stated cash benefit in the event of death; however, some Term life policies are linked to a terminal illness benefit that is usually equal to the amount of the death benefit

It is important to note that premiums associated with term life policies will not fluctuate throughout the course of the plan. These plans are designed to provide a high value low cost level of protection across the policies lifetime. When you decide to buy a term life policy, everything from the type of currency that the premiums are paid in, terminal illness options, and the length of the plan are at your control.

For more information about a term life plan, a health insurance worldwide plan, or to receive a free consultation, please fill out the form below and we'll get back to you.

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