LIFE INSURANCE

Life insurance is a death benefit. It offers a lump sum payment, payable to beneficiaries. The lump sum is generally not taxable and can be used for any purpose.

Life insurance presents a wide range of insurance products. The best known are term life insurance, universal life insurance and whole life insurance.

GROUP BENEFITS

Group insurance is a unique insurance product that covers a specific group of people. They may be employees or members of a professional association. In most cases, the cost of collective protection for employees or members is lower than the cost of individual private protection. Group benefits may include life insurance, health insurance, dental insurance and other categories of life and health insurance.