The plan has been designed for people who want to avail of the benefits of life insurance at a low cost. It is a low premium, pure risk coverage plan, which takes care of your financial commitments towards your family or dependant, should anything unfortunate happen to you.

For example, whenever you drive, it is possible that you may have a costly accident. Risks affect you by causing worry about potential loss and how to deal with the consequences. Insurance reduces anxiety over a possible loss and absorbs the financial brunt of its consequences. However, insurance coverage is essential. How much and what type of insurance people need differ with each individual. You must decide how much risk you're willing to tolerate without insurance. For example, benefits for disability policies typically begin after a waiting period of one to six months. Therefore, you should ensure that you have some form of coverage or a financial resource before the policy period begins.

Your family counts on you every day for financial support: food, shelter, transportation, education, and much more. You and your spouse have plans for your future and dreams for your family: another child, a bigger home, a new business, college education, travel, retirement... Life insurance is all about making sure your family has adequate financial resources to make those plans and dreams come true, if you were to die prematurely. And just as your spouse and children (as beneficiaries) count on you, you count on your spouse. That's why coverage for your spouse is also important. If he or she were to die unexpectedly, you would feel similar financial strains. This is especially true today, with so many "double income" families.