Life Insurance, Critical Illness and Income Benefit Coverage
For people who need protection form disease (due to fears of it running in the family but you are determined to e in good health but prone to get them), there is a product called critical illness coverage which simply provides funding should you contract a dreaded disease. This can cover much of the costs of care and say for the adaptation of your house for use by the said disabled afflicted person providing quality life. Income benefit is another product that can provide a better solution if one wishes to continue receiving monthly compensation as if the insured person is still getting their paycheck. This is the opposite of a life insurance policy which pays a lump sum amount as stated in the contract that was signed with the firm.