Handpicked policies as unique as you.
The Life Insurance & Investments Department of McFarlan Rowlands was developed to ensure that our clients have all of the information and resources they require to make life insurance decisions that best suit their needs.
Our consultants take the time to sit down with you and discuss your goals and objectives and help you to choose the life policies that fit your needs.
A few of the life insurance policies we offer include:
Life Insurance is a policy that promises to pay the sum insured if the life-insured dies within the period specified in the policy. Term policies are commonly used for specific periods. Permanent Life insurance protects you for your whole life. Both can be used for personal or business purposes.
The living benefits policies you require over the course of your lifetime may vary and the experienced brokers at McFarlan Rowlands can help you to decide what is best for you and your family. Our consultants take the time to sit down with you and discuss your goals and objectives and help you to choose the policies that fit your needs.
Long term medical help and other assistance after a major illness can quickly erode your savings.
Critical Illness Insurance is insurance that pays a lump sum benefit if you are diagnosed with a critical illness. Unlike disability insurance, critical illness insurance is not based on your inability to work. You collect the full amount of coverage, even if you make a full recovery.
3 out of 10 healthy adults will have a critical illness before the age of 65.
Long Term Care
Long Term Care insurance pays a benefit to cover the cost of long term care, if you develop a chronic illness or disabling condition that requires in-home caregivers or relocation to a long term care facility.
If you become physically disabled, your ability to earn an income may be compromised; your ability to pay bills or save for your future may be compromised.
Disability insurance plans are designed to help meet income requirements, so the individual can concentrate on recovering from the disabling ailment and return to active life as soon as possible.
Individual Health Benefits
Customized Health and Dental plans.
This product helps in areas such as:
- Pay for specialized medical treatment not covered by health insurance.
- Cover the cost of home renovations made necessary by your illness.
- Pay off your mortgage or clearing up other outstanding debt.