family walking - life ins photo

Life Insurance

Life insurance is the first to be made readily available and fully grown type of insurance in existence. This kind of insurance allows partial or complete coverage in the event of insurer’s death or in case of coming down with a terminal illness. It pays a lump sum profit, which can be used in numerous ways your financial dependent relatives consider to be necessary.

How does it work?

It is an agreement between an insurer and insurance company, ensures your named beneficiaries can pay back your debts and maintain their standard of living after you depart this life.

Key Benefits of Life Insurance

  • Offers cash infusion for dealing with the unfavorable financial consequences of the insured’s loss of life.

  • The insurer can have the benefit of favorable tax treatment not like any other financial instrument.

  • A life insurance policy may be switched or replaced with another life insurance policy without experiencing current taxation

house - critical illness insurance

Critical Illness Insurance

Insurance is a way of handling risks or perils. Critical Illness Insurance is one of the types of insurance that helps you pay a lump sum upon diagnosing of a distressing medical event. As it is living insurance, it can be a great relief when you come into contact with life-threatening medical situations by presenting an alternative funding source towards your financial commitments, so that you can concentrate on getting your strength back.

How does it work?

In such kind of insurance policy, the insurer is contracted to typically make a lump sum cash payment if the person looking for insurance is diagnosed with one of the specific illnesses on a set list as part of an insurance policy. This form of insurance covered four most important health conditions – Cancer, Heart attack, Stroke, and Coronary bypass surgery.

Key Benefits of Critical Illness Insurance

  • Provides partial or complete financial fortification for various different medical services, including hospital and doctor benefits.

finger in sky

Long Term Care Insurance

The healthiest persons are often the ones that culminate in needing long-term care assistance later in life, whereas heart problems or cancer may take the unhealthy ones sooner to the final destination. Long-term care insurance is a kind of insurance policy that competently pays attention to expenses get to your feet. This kind of insurance is the best way to protect yourself and your nearest and dearest from financial emergencies while staying in your home and maintain your independence longer. It also covers services or cares that are generally not covered by health insurance.

How does it work?

FMIA’s long-term care insurance product helps you pay for the costs associated with long-term care.

Key Benefits


  • Allows you to keep up with your independence.

  • Meets the expense of excellent or valuable quality care.

  • Cuts down the financial and mental stress that a long-term care occasion causes for the family.

dental

Dental Insurance

The right dental insurance helps you make your dental care stress-free and keeps the cost within your means. There are various types of dental insurance plans, such as Preferred Provider Network (PPO), Dental Health Managed Organizations (DHMO), and Indemnity.

Dental insurance plans can help cover expenses in the case of severe medical emergencies, and help you and your family enjoy dental-care services.  Having insurance coverage enables you to pay a portion of the costs associated with dental care on doctor's visits, prescriptions drugs, and helps in maintaining healthy teeth, gums and tongue.

How does it work?

FMIA’s dental insurance typically cover preventive and basic dental care.  Policyholders are entitled to specific dental benefits, which usually include routine checkups, scrubbings, x-rays, and certain services essential to encourage general dental health for a specific monthly rate. Benefits vary by plan. Costs will vary depending on your dental condition or care you need. Most plans come with a greatest quantity or value attainable on annual benefit or coverage limit.

Key benefits of Dental Insurance

  • Offers a comprehensive collection of dental care providers

  • Meets both your dental care requirements and budget

  • Also may offer insurance for certain types of oral surgery, dental implants, or orthodontia.