Long Term Healthcare Benefits

An innovative program, the first of it's kind in the country;

Guarantees long-term care even after the age of sixty when the client has only himself to rely on;

Healthcare coverage, savings, emergency fund, and insurance rolled into one;

An accumulative, self-earning investment that comes with Return of Payment for non-utilization in the first seven (7) years of coverage;

A portable account! Even if you change or lose jobs, your plan and funds stay with you;

A four-way insurance coverage:

Term Life

Accidental death and dismemberment

Waiver of installment due to death

Waiver of installment due to permanent and total disability;

Outpatient benefits, annual physical examinations and dental coverage;

Coverage is for individuals but can be installed in companies as a health savings salary deduction program;

No exclusions from 8th year onward;

Flexible, Upgradeable within 30 days ;

Annual lifetime healthcare benefits from years 8 to 20 accumulate with interest in a "Health Savings Account"

"Health Savings Account" earn interest beyond 20 years.

Benefits can be used up to any age.

Payable in 7 years only with fixed rates for the entire paying period;

Issue age up to 60, but coverability extends after 60; and,

Reinstatement can be done within 2 years after lapsed policy.