Hybrid insurance

Life with Critical Illness is an affordable hybrid coverage combining both life and critical illness insurance. An amount is payable in the first event of either a critical illness or death.

In case of death, a tax-free amount will be paid to the beneficiary chosen by the client. In case of critical illness, a portion of the life insurance amount is paid as a tax-free lump sum, with no survival period required. The life insurance amount is then reduced by this payment.

By adding Long-term Care Advance to life insurance, your clients will receive a tax-free monthly amount to pay for daily care and expenses when they need it the most.