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  • Financial protection for families
  • Financial protection for wage & salary earners

Take control of your Insurance premiums in four steps

Like to keep your Insurance premiums as low as possible? While premiums usually increase with age, there are things you can actively do to reduce your premium costs – including choosing the right premium type.

Check out these four steps to be in control of your finances.

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Stepped or Level Premiums? What works for you?

Life insurance – it’s an important choice. It’s the kind of financial decision that requires a fair bit of thinking about what you need today, and what you might need in the future. One of the key components in the life insurance decision is short and long-term affordability. Which brings us to our topic: Stepped and Level premiums – what’s right for you?

Stepped vs Level – what’s the difference?
The main difference is pretty straight-forward. Stepped premiums (“rate-for-age”) are age-related and increase as you get older, but are usually cheaper than Level premium insurance in the short-term. [Read more…]