
Many consider owning a home as the American Dream. This dream, however, could turn into a nightmare if something damages or destroys the home.
Fortunately, home insurance comes to the rescue. This type of casualty and property insurance provides coverage for your house (along with its contents) against specific natural calamities like hail, fire, or wind. This insurance also offers protection against events like injuries to visitors of the property.
Home insurance is for individuals who own a home and use it as their full-time residence. This protection is not just for people who have a mortgage, but also for those who own their home outright.
You should seriously consider purchasing a life insurance policy if there is a possibility that one or more of your loved ones will suffer hardship after you pass away. When the policyholder dies, the insurance company will pay a cash benefit to the nominated beneficiary.
If you’re thinking of getting life insurance, you have the option to pick either whole life or term life insurance. Term life has a specific duration limit. The insurance company will no longer pay the beneficiary once the insurance period lapses. On the other hand, whole life insurance will remain in force for the life of the insured.


If you are driving a car or merely borrowing from a friend or your parents, it is important to have auto insurance. Unlike other types of insurance that shields you from risk, the primary goal of an auto insurance is to protect other drivers from injuries caused by your driving, as well as damage to their property.
Apart from the standard types of insurance, we offer the following policies under the workplace benefits category:
- Accident Insurance – This protects workers who suffer from work-related accidents.
- Critical Illness Insurance – Established in the 1980s, this insurance provides the insured individual with money if the doctor diagnoses him/her with a specific disease.
- Disability Insurance – This covers employees against wage loss if they can no longer work due to disability.
- Long-Term Care Insurance – This pays for the healthcare bills and living expenses for senior citizens or individuals who have a disability before retirement.
- Universal Life Insurance – This insurance has benefits similar to whole life insurance, but gives you more flexibility in paying the premium.
