Life Insurance

Life Insurance Protection

Alongside wills, pensions, medical insurance, savings and trusts, life insurance can be an important part of your family’s estate planning and wealth management. With the right life insurance in place, you can have peace of mind of protecting your loved ones against unforeseen circumstances while growing your wealth in a tax efficient manner.

Types of Life Insurance

Please find the brief summaries of the different types of life insurance policies. For more information please go to the specific insurance line pages. INLE Risk Management is not limited to the list you see below. INLE Risk Management is licensed for all forms of insurance, and if what you’re looking isn’t listed, please contact us directly.

Annuities

Life Insurance

Annuity Insurance is a life insurance policy that is structured to provide a series of continual payments to a beneficiary for a defined period of time. Annuity policies deliver stable income to allow you to realize your retirement dreams and control your future. An annuity is a long-term investment that is designed to protect against the risk of outliving your income or the untimely death to the family breadwinner.

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Investment-Linked Life

Life Insurance

Investment-Linked Life Insurance is a life insurance policy with an investment component where the policy value is directly linked to the performance of an investment portfolio. Investment-Linked Life policies are designed to give you life protection while at the same time providing you with savings and investment returns. The value of the policy is based on the performance of the underlying funds.

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Private Placement Life

Life Insurance

Private Placement Life Insurance, or PPLI, is a life insurance policy that allows the policy holder to construct a tailor-made product. PPLI offers the combination of high-value life insurance along with investment potential, wealth management, and estate planning benefits. PPLI policies provide flexibly in asset classes, allowing you to hold a wide range of investments in the policy, including shares, bonds and non-banking assets.

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Term-Life

Life Insurance

Term Life Insurance, also known as Term Life Assurance, is a pure death benefit life insurance policy that covers you over a specified period of time and pays out only in the event death. If the policy holder does not pass away during the term of the policy there is no benefit paid. Term Life, which can be renewed on an annual basis and has no investment component, is the simplest and most inexpensive type of life insurance.

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Universal Life

Life Insurance

Universal Life Insurance is a life insurance policy with a savings element and affordable premiums. Universal Life is one of the most flexible types of insurance, with typical policies providing a variety of premium options enabling you to vary the premium depending on your circumstances and flexible death benefits. Premiums collected in excess of the cost of insurance are accumulated as the cash value of the policy.

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Whole of Life

Life Insurance

Whole of Life Insurance, also known as Permanent Life Insurance, is a simple form of life insurance with a cash value that grows over time. Whole of Life Insurance has guaranteed and stable premiums for life, whereas premiums for other policies aren’t always fixed. The death benefit for Whole of Life Insurance is also fixed and guaranteed, providing you a peace of mind knowing your family won’t be financially burdened.

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