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Living Benefits

Living Benefits

These are the plans put in place which benefit the insured himself/herself in their lifetime, hence the name which is sometimes also referred to as Income Replacement Plans or Crisis Recovery plans

Income Replacement Plans allow for you and the ones close to you to cope with extensive monthly household expenses and medical costs due to Injury or Illness. We, at Best Planners Inc., offer two types of income replacement plans: Disability Insurance and Critical Illness Insurance.



Disability Insurance

Disability Insurance provides a monthly benefit based on your present income, is given to you when you have qualified all the conditions of the disability Insurance policy. This is used as a replacement for your income if you find yourself unable to work due to medical reasons, or accidents. As a result, disability insurance allows you to maintain the same lifestyle even though you may have suffered an injury that has resulted in you not being able to work.



Critical Illness Insurance

This insurance plan allows you to have substantial financial support for25 different covered critical illnesses, such as a stroke, cancer. , Heart attack ,Bye pass surgery, Coma and Paralysis Etc. which not only render a person unable to work but also cause addition expenses in the form of medication, hospitalization ,rehabilitation etc. Once diagnosed with a terminal illness, you are subject to a substantial amount of cash that can be used to cover these additional costs.

Additional Benefits of Critical Illnesses Insurance

  • Allows for a stress-free recovery process
  • Capability to travel internationally for increased medical attention
  • Covers any additional costs caused by illnesses
  • Covers business expenses
  • Covers over 25 different illnesses
  • Offers tax-free benefits
  • Protects family from the loss of income
  • Receive a large amount of cash upon diagnosis
  • Could also result in a savings plan eventually.

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