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Think of your beloved ones

Death is a part of life, but it often comes unplanned and can prove overwhelming. A life insurance plan helps protect your loved ones financially if the worst were to happen.

Depending on your plan, your family will get the necessary funds to cover all the expenses that may needed.

It will be your last gift to the people you care about the most. They will know you made sure that your passing was not “to become”(remove this) a financial burden on them.

That is what life insurance is all about: your last chance to say I love you.


Carefully planning how to protect your wealth and your family is one of the best decisions you may ever make.

Life insurance is a way to protect your legacy and your quality of life during major life transitions.

In order to support your lifelong financial well-being, you need a thoughtful and thorough approach. That will benefit you, your family, and your future.


At Crystal Clear Insurance Services, we offer all types of insurance plans. Before taking out any insurance cover, you will meet one of our consulting agents. They will help you find the right mix of cover to suit your needs and budget. They will make sure you only pay for what you might require.

What follows is a non-comprehensive list of some of our most popular plans.

For more information, contact us. We will schedule an introductory meeting to help you find the right insurance policy.

Whole Life Insurance

The plan provides permanent coverage. Whole life policies have two legs: Immediate death benefit: the amount that is paid to the beneficiaries after the insured person’s death; Permanent death benefit: the plan builds up cash value over time. That can be used as savings as well as borrowed against while the policyholder is alive. Unlike other permanent life insurance policies, whole life plans have fixed premium payments and death benefits.

Term Life Insurance

The plan offers coverage for a specified amount of time – usually between 10 and 30 years. Term life policies provide death benefits only. The plan guarantees payment of a preset amount if the covered person dies during a specified term. The amount paid is intended to help beneficiaries replace the insured person’s income once he passes away.

Universal Life Insurance

The plan combines permanent coverage with a savings component. The policy’s death benefit is paid out to the beneficiaries when the insured person passes away. The benefits of universal life insurance include: Lifetime protection: a lifelong cover for the insured person. It is a permanent protection and does not expire at the end of a set term. The insured person is still covered if his or her health conditions deteriorate; Cash value accumulation: an interest-earning amount that gets set aside with each premium payment. That is money the policyholder can use during his or her lifetime under given conditions.

Final Expense and Burial Insurance

Final expense is a type of whole life insurance. It is designed to cover funeral expenses and other burial expenses when the cover person passes away. Depending on the plan, it may also cover potential pending medical bills. This plan is especially popular with seniors.


We provide insurance protection for any major event that may have an impact on your life. However, life is unpredictable, and even carefully prepared plans can go wrong. We therefore consider the unexpected in our services. We guarantee that the negotiated premium and coverage do not change throughout the whole policy duration.


Get in touch today for a non-obligation quote tailored to your needs