First slide for life and medical
Child & Parent Health
First medical
Emergency Services
First medical
Group Medical Insurance
Last Slide
Quick Claims Response
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Our Services

Educational Endowment

An educational endowment is a financial asset that is donated to support educational institutions or programs. Endowments are typically established by individuals, families, foundations, or organizations with the intention of providing long-term financial support to educational entities. The principal amount of the endowment is invested, and the income generated from these investments is used to fund various educational initiatives.

Modified Anticipated Endowment

A modified endowment contract (MEC) is a cash value life insurance policy that has lost its tax benefits because it contains too much cash. Once the Internal Revenue Service (IRS) relabels your life insurance policy as an MEC, it loses the tax breaks for withdrawals and loans that you make from the policy. This permanent change can happen when you pay excess premiums in too short a period.

Group Medical

"Group medical" typically refers to health insurance coverage that is provided to a group of people, often through an employer or an organization. This form of health insurance is designed to cover a defined group of individuals under a single policy. It's important to note that the specifics of group medical insurance can vary based on the country.

Term Life Insurance & Group term life

Term life insurance and group term life insurance are two distinct types of life insurance policies, each with its own characteristics and purposes. Term Life Insurance: 1. Individual Coverage: Term life insurance is a type of life insurance that provides coverage for a specified term or period. It is typically purchased on an individual basis. 2. Duration of Coverage: Term life insurance provides coverage for a specific term, such as 10, 20, or 30 years. If the policyholder dies within the term, the death benefit is paid to the beneficiaries. If the policyholder survives the term, the coverage expires, and there is no payout.

Whole Life Insurance

Whole life insurance is a type of permanent life insurance that provides coverage for the entire lifetime of the insured, as long as the premiums are paid. Here are some key features of whole life insurance: Lifetime Coverage: Unlike term life insurance, which provides coverage for a specific term, whole life insurance covers the insured for their entire life. Premiums: Premiums for whole life insurance are typically higher than those for term life insurance. However, they remain level throughout the life of the policy.

Emergency Services

Emergency services refer to the various professional services that are designed to respond quickly to emergencies and critical situations. These services play a crucial role in ensuring public safety, providing immediate assistance in times of crisis, and mitigating the impact of disasters. Emergency services are typically organized and operated by government agencies, though some may involve collaboration with non-governmental organizations and private entities.

Ambulatory Patient Services

Ambulatory Patient Services (APS) refer to a broad range of healthcare services that are provided on an outpatient basis, meaning that patients receive medical care without being admitted to a hospital for an overnight stay. Ambulatory care is designed to address a variety of healthcare needs in a more flexible and convenient manner.


Hospitalization refers to the process of being admitted to a hospital for medical treatment or care. It involves staying in a hospital for a specified duration to receive necessary medical attention, observation, or surgical procedures. Hospitalization can be planned, such as for scheduled surgeries or treatments, or unplanned, resulting from emergencies or acute medical conditions.

Maternity and newborn Care

Maternity and newborn care refer to the range of healthcare services provided to expectant mothers during pregnancy, childbirth, and the postpartum period, as well as care for newborns in their early stages of life. This comprehensive care is designed to ensure the health and well-being of both the mother and the newborn.

Mental health and substance abuse services

Mental health and substance abuse services encompass a range of resources, programs, and treatments aimed at addressing and supporting individuals who are dealing with mental health issues and substance abuse or addiction problems.

Prescription Drugs and Medicine

Prescription drugs, also known as prescription medications or simply prescriptions, are pharmaceutical drugs that can only be legally obtained with a written order, or prescription, from a licensed healthcare provider, such as a doctor, nurse practitioner, or dentist. These drugs are distinct from over-the-counter (OTC) medications, which can be purchased without a prescription.

Rehabilitative Services

Rehabilitative services encompass a range of programs and interventions designed to help individuals recover, regain, or improve their physical, mental, or social functioning after experiencing illness, injury, or disability. These services aim to enhance a person's ability to perform daily activities, participate in social roles, and achieve an optimal quality of life. The specific types of rehabilitative services can vary based on the nature of the condition or impairment.

Laboratory Services & Anticipated Endowment

Laboratory services refer to the various diagnostic and investigative procedures conducted in a laboratory setting to analyze specimens, such as blood, urine, tissues, or other bodily fluids. These services play a crucial role in healthcare by assisting in the diagnosis, monitoring, and treatment of medical conditions.

Preventive and wellness services and chronic disease management

In the context of life insurance, the terms "preventive and wellness services" and "chronic disease management" are more commonly associated with health insurance rather than life insurance. Health insurance policies often include benefits and coverage related to preventive care and the management of chronic conditions.

Pediatric services including oral and vision care

Pediatric services, including oral and vision care, are essential components of healthcare for children, ensuring their overall well-being and development. These services encompass a range of preventive, diagnostic, and treatment measures tailored to the unique needs of children.