A life insurance policy is a contract between an individual and an insurance company through which the insurer is contractually obligated to pay a specified sum to a named beneficiary upon the death of the policyholder. 

Throughout the world, life insurance policies are used to pay off debts, fund colleges and universities, and provide essential living expenses to family members if the policyholder dies prematurely. Life insurance policies are an essential part of financial planning.

The amount of life insurance you may need is dependent on many factors, including your mortgage, loans, education costs for your children, and many others. For this reason, our consultants will help you to review your situation and determine the amount of insurance you may require.

Age, gender, type of policy, health status, and lifestyle all affect life insurance costs and premiums. For example, policyholders who smoke are charged higher premiums than those who don't. Since life expectancy is a factor in pricing, older people will typically have higher average costs than younger ones.

Furthermore, the final price will depend on the type and length of coverage. Whole life insurance is more costly because the coverage often lasts for the entire lifetime of the policyholder. Term life insurance, on the other hand, can help individuals save money, since premiums are paid only for a fixed period of time.

Increasingly, providers are extending the maximum age for new applicants. It depends on the provider. Normally, most providers stop accepting applicants anywhere bewteen 65 and 75 years of age. Some providers require medical examinations to apply.

You can pay for your life insurance through either a direct bank transfer, debit or credit card.

You can pay for life insurance in regular instalments as monthly or quarterly payments. Please let us know in your initial appointment if you prefer to pay monthly or quarterly so we can propose a suitable provider and payment plan.

Interntional insurance will cover you globally if you were to die prematurely.

We work with international providers to provide global coverage, so regardless of where you live, work, or travel, we can provide you with a comprehensive policy that covers death from all causes with additional coverage for critical illnesses and disabilities.

Using our services, individuals and families can make important financial decisions without worrying about payment increases or unforeseen costs. Our premium rates are competitive and affordable, and don't increase each year or with inflation.

In order to provide the best possible coverage for yourself and your loved ones, International Insurance Asia will stop at nothing to ensure that you receive the most comprehensive life insurance policy.