The needs of every person are different and can change
throughout life. There are a variety of life insurance options available to
fit those varying needs.
Term insurance provides a “death benefit” (the amount
paid to the beneficiary upon the death of the insured) for a specified period of
time.
If the time period expires before the insured dies, then no benefit is paid.
The advantage of term insurance is that the premium (the cost of the insurance)
is usually lower than it is for other types of life insurance. Some types of term
insurance include annual term insurance, renewable term insurance, decreasing term
insurance and convertible term insurance.
Please read our blog for more information on the types of term life insurance.
Whole life insurance provides a death benefit that never expires.
This guarantee of a benefit comes with a higher premium, which usually stays
the same for the life of the insured.
Whole life policies have the added benefit
of a cash value that can be obtained through policy loans,
which are not considered taxable income.
Universal life insurance offers the security of a whole life policy,
with flexibility with regard to the premium, cash value and death benefit.
(a) Estimates of repairs for the insured’s vehicle damaged.
(b) Completed claim form (DOWNLOAD HERE)
(c) Particulars of the third party vehicle involved (if any).
(d) Particulars of the third property damaged (if applicable).
(e) Estimates of loss for third party property. (If any)
(f) Photographs taken at the scene of the accident.
(g) Death certificates (if death of a third party is involved).
(h) Medical report/bill of injured third parties (if there is a claim for third party injured).
(i) Police report. (If applicable)
a) Completed claim form. (download available below)
b) Police interim report.
c) Original certificates of insurance.
d) Original and duplicate of vehicle keys.
e) Original vehicle license.
f) Original purchase receipt/ invoice/ delivery note.
g) Originals of other vehicle registration particulars.
h) Final police report.
(a) Estimates of repairs for the insured’s vehicle damaged.
(b) Completed claim form (DOWNLOAD HERE)
(c) Particulars of the third party vehicle involved (if any).
(d) Particulars of the third property damaged (if applicable).
(e) Estimates of loss for third party property. (If any)
(f) Photographs taken at the scene of the accident.
(g) Death certificates (if death of a third party is involved).
(h) Medical report/bill of injured third parties (if there is a claim for third party injured).
(i) Police report. (If applicable)
a) Completed claim form. (download available below)
b) Police interim report.
c) Original certificates of insurance.
d) Original and duplicate of vehicle keys.
e) Original vehicle license.
f) Original purchase receipt/ invoice/ delivery note.
g) Originals of other vehicle registration particulars.
h) Final police report.
(a) Estimates of repairs for the insured’s vehicle damaged.
(b) Completed claim form (DOWNLOAD HERE)
(c) Particulars of the third party vehicle involved (if any).
(d) Particulars of the third property damaged (if applicable).
(e) Estimates of loss for third party property. (If any)
(f) Photographs taken at the scene of the accident.
(g) Death certificates (if death of a third party is involved).
(h) Medical report/bill of injured third parties (if there is a claim for third party injured).
(i) Police report. (If applicable)
a) Completed claim form. (download available below)
b) Police interim report.
c) Original certificates of insurance.
d) Original and duplicate of vehicle keys.
e) Original vehicle license.
f) Original purchase receipt/ invoice/ delivery note.
g) Originals of other vehicle registration particulars.
h) Final police report.
