Disability insurance is designed to replace a portion of your income if you become disabled and are unable to earn an income. A disability can result from several causes, including an injury, a serious

illness or a mental health issue.  And the duration of a disability can be either short- or long-term.

Critical illness insurance helps to pay the costs associated with life-altering illnesses such as Heart attack, stroke, cancer etc.  With advances in medical technology this has dramatically improved the survival rates of people who suffer critical illnesses.  Recovery may come with a significant financial cost that impacts both you and the people close to you

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