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Life Insurance

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Life Insurance Products

Term Life

Most people shopping for life insurance choose TERM LIFE INSURANCE. Term life insurance is a form of life insurance which lasts for a fixed period of time (the TERM). YOU decide the term, which can be from 10-30 years. Term life insurance is probably the most popular form because It’s easily understood, affordable, comprehensive.

Whole Life

All insurances concern the future. They protect us or our loved ones from the financial consequences of events that may occur during the lifetime of the policy.  It follows that WHOLE LIFE policies last for the whole of the insured life and eventually pay a tax-free sum to the beneficiaries.

Term Life with Critical Illness

Term Life Insurance pays out on death.  Term life insurance combined with a critical illness option provides a benefit if the insured is diagnosed with one of several critical illnesses. Typically, the specified illnesses are either terminal diseases or chronic illnesses that will require continuous care over an extended period. 

Final Expense

These plans are a low-cost way of ensuring that, whatever the cause of death, neither your relatives nor your estate will be faced with unexpected expense. A major advantage of any insurance is the emotional comfort and peace of mind that comes as standard, knowing that you and your family are covered

Not sure which Life Insurance policy is right for you? Find out here

Protect yourself and your family

Why Life Insurance

All insurances concern the future; they protect us or our loved ones from the financial consequences of events that may occur during the lifetime of the policy.

Peace of mind

A major advantage of any insurance is the emotional comfort and peace of mind that comes as standard, knowing that you and your family are covered.

Be Prepared

Provides supplementary income in case of loss of income due to accidental disability or illness

Flexible term lengths

The Life insurance policy that works for you for 10 years to life.

All Around Protection

Be safe in case of disability, critical illness or loss of income due to accidental disability

Protect your family with a life insurance plan for as low as $12/mo

Understanding Life Insurance

Frequently Asked Questions

What is life insurance?

Life insurance is a contract between you (the policy holder) and an insurance company (the insurer) where the insurer promises to pay a beneficiary (chosen by you) a sum of money (the benefit) on the death of an insured person (normally) the policy holder, (you). Of course, there is a cost (the premium) normally paid monthly, sometimes annually, during the lifetime of the policy.
The real value of life insurance is the satisfaction that your loved ones continue to have the opportunity to realize their dreams in the event of your premature or accidental death.

Types of life insurance?

There are many different types of life policy and we will describe some of the most popular choices.

The most obvious is a Whole life policy. These policies pay out the benefit when the insured dies whether by accident or of natural causes. The premiums are paid throughout the whole life of the insured. These policies are relatively expensive mainly because ‘the event’, the death of the insured, is certain to happen. Term Insurance, as its name implies, provides life insurance, as described above, for a specified term, usually between ten and thirty years. The cost of ‘term insurance’ is considerably lower than ‘whole life’ because the ‘event’, namely the death of the insured may not occur during the period covered by the policy. Term insurance is preferred by many people because not only is it less expensive, it is also more flexible. The amount of benefit you need to plan for varies with life stages e.g. young children, education for older children, dependent seniors. Term insurance enables you to take these commitments into account but premiums will become relatively higher with age.
Whether you choose WHOLE LIFE or TERM insurance you may want to consider adding ACCIDENTAL death insurance to your policy. For a relatively small increase in premium you could double the benefit.
Term Life with Critical Illness. Term life with CRITICAL ILLNESS allows the insured to draw on the funds accrued to the policy in the event of a time limited illness.

Which Life Insurance policy is right for me?

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What should I know before buying life insurance?

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Which are the best companies to buy life insurance from?

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What is the average cost of buying a life insurance policy?

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Why should I buy life insurance?

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The Truecoverage Promise

Why Choose Us

We promise to help you get the best protection for your situation.

How we keep our promise

We give you a wide choice of A-rated life insurers so that you always get the best pricing

We bring you unbiased advice from our expertise built from years of experience

We keep your life hassle free by handling all the complexities and paperwork for free

Let’s Get You Some Insurance

Get Your Quote Now

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