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Get Secure with Secure Future Trinidad & Tobago

Secure Future — Life

When it comes to securing your family's financial future, understanding the differences between Term Life Insurance and Whole Life Insurance is crucial.

Term Life Insurance

Term life insurance provides coverage for a specific period, offering a cost-effective solution for those seeking financial protection during key life stages. It pays out a death benefit if the policyholder passes away during the defined term, making it an excellent choice for individuals looking to ensure their loved ones are financially secure, especially during mortgage-paying years or while children are dependent.

Whole Life Insurance

Whole life insurance is a comprehensive, lifelong coverage. It not only provides a death benefit but also accumulates a cash value over time. This cash value can be utilized for various purposes, such as supplementing retirement income or covering unexpected expenses. Whole life insurance offers a more permanent solution, often appealing to those who value both protection and long-term financial planning.

Which insurance is right for me?

Contact us to speak with an expert who will work with you on your needs. 

Critical Illness and Disability & Accidental Insurance

In an unpredictable world, safeguarding your health and income is paramount. Critical Illness and Disability & Accidental Insurance policies are designed to provide a safety net during unforeseen circumstances.

Critical Illness Insurance


In life's unpredictable journey, Critical Illness Insurance stands as a pillar of financial security. This insurance provides a crucial safety net, offering a lump sum payout upon the diagnosis of a covered critical illness. These illnesses often include major conditions such as cancer, heart attack, stroke, or organ transplant. The financial impact of such severe health challenges can be overwhelming, with medical bills, treatment costs, and lifestyle adjustments adding up. Critical Illness Insurance is designed to alleviate these financial burdens, providing policyholders with the necessary funds to cover medical expenses, seek specialized treatments, or even make lifestyle modifications during recovery. It's not just a shield against medical crises; it's peace of mind for you and your loved ones during the most challenging times.

Disability & Accidental Insurance


Life's unexpected twists can have profound implications on your ability to earn a living. Disability & Accidental Insurance steps in to safeguard your financial well-being in the face of unforeseen circumstances. Whether it's a disabling injury or an accident that hinders your capacity to work, this insurance ensures a steady income stream to cover living expenses, medical bills, and other financial obligations. The coverage extends beyond the immediate aftermath of an incident, providing sustained support during the recovery period. This type of insurance is an essential component of a comprehensive risk management strategy, ensuring that a sudden disability or accidental injury doesn't translate into financial instability. By choosing Disability & Accidental Insurance, you are not just preparing for the unexpected; you are securing a resilient financial foundation for yourself and your loved ones, offering the reassurance needed to face life's uncertainties with confidence.


Incorporating these insurance policies into your financial plan not only secures your present but also offers peace of mind for the future.

Get Secure with Secure Future Trinidad & Tobago

Frequently Asked Questions


Can I include my spouse/partner in my policy?

No, spouses and partners need to apply separately, each obtaining their individual policies for personalized coverage.

What is the maximum coverage I can apply for?

The maximum coverage amount varies based on your income. As a general guide:

  • Ages 18-40: 30 times your income

  • Ages 41-50: 20 times your income

  • Ages 51-60: 15 times your income

  • Ages 61-65: 10 times your income

After age 65, coverage is determined by net worth. For a comprehensive understanding of this approach and additional factors influencing the calculation. We recommend discussing your specific needs with our experts to ensure the right coverage for you.

Is getting insured a straightforward process?

Yes, our dedicated team is ready to assist you throughout the entire process. If you have a history of major medical surgeries, critical illnesses, or a previous insurance decline, a member of our team will guide you through additional considerations.

Should I have individual coverage if I'm covered under my company's group plan?

Yes, it's advisable. Group plans often lack portability, meaning if you leave the company, get terminated, or face retrenchment, the coverage ceases. Additionally, obtaining coverage later may be affected by changes in health condition and increased premium costs due to age. Our team can provide further insights and guidance on this matter to ensure continuous and reliable coverage.

To learn more about our offerings, contact us now. >>
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