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Lifestyle Protection

Movie Characters Need Not Apply

Have you ever watched an action film where the hero escapes one terrifying danger after another, with barely a scratch?  His enemies bite the dust in scene after scene but you just know he'll emerge safe and triumphant at the end.  Then, all too soon, the story's over, the credits roll and the movie goers return to the real world of their everyday lives and careers.

The interesting thing is that many of those same movie goers will continue to behave in real life as if unpleasant things happen only to others - and never to them. However, the following facts suggest otherwise:
  • 1 in 3 people develop cancer sometime in life.
  • 1 in 4 males and 1 in 5 females will suffer a serious illness before retirement.
  • 1 in 5 of male deaths occur between aged 20 and 65.
  • Heart disease, stroke and cancer now account for over 60% of all premature death in US.
  • Almost 1,000 people lose a spouse through death each day in UK.
  • Each year, 120,000 people suffer strokes in the UK.
Should the worst happen, what will save them from financial hardship?
This is where Select Japan has a role to play because our expertise includes helping clients make prudent decisions about lifestyle protection.  Some of the questions we help people answer are:
  • How can I pay my mortgage if I or my partner become unemployed?
  • What about the ongoing costs of a serious illness or a sudden and permanent disability?
  • What happens to my family if I am one day diagnosed as terminally ill?
These are all very important issues and deserve careful consideration before making a decision to build in a suitable level of financial protection. That's why we take time to understand each client's requirements before advising them on insurance cover such as:
  • Health insurance - provides international healthcare insurance cover for expats, frequent travellers and international business people all over the world. The plans could range from in-patient medical treatment only, right through to a full refund for most in- and out-patient medical treatment.
  • Life insurance - lifetime protection, term protection, accidental death benefit, joint life protection, international cover.
  • Critical Illness cover - pays out a lump sum on the diagnosis of a "serious disease". These conditions can include, but are not limited to: cancer, heart attack, stroke, Alzheimer's disease, heart bypass surgery and angioplasty.
  • Income protection - paying benefits to policyholders who are incapacitated and hence unable to work due to illness or accident
  • Key Man Insurance - An insurance policy taken out on the life of an executive or a senior employee of an organization whose death would cause significant loss to the organization. In the event of death, proceeds of the policy would be payable to the organization which took out the policy.
We are happy to meet with you in person or talk over the phone and answer your questions in as much detail as is necessary. You'll be able to find out more about the available benefits of each plan and how they apply to your situation.

We look forward to hearing from you.
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Key Facts
CHRONIC DISEASES SUCH AS HEART DISEASE, CANCER, STROKE AND DIABETES ARE THE LEADING MORTALITY RISKS AFFECTING COUNTRIES ACROSS ALL INCOME GROUPS.
1,000,000 USD LIFE INSURANCE COVERAGE AT THE AGE OF 30 WOULD COST 16% LESS THAN AT THE AGE OF 33, DESPITE ALL OTHER CIRCUMSTANCES REMAINING THE SAME.
MODERN INSURANCE SOLUTIONS HAVE BEEN ENHANCED TO ACCOMMODATE CLIENTS’ABILITIES AND THEIR SPECIFIC SITUATIONS BY ADDRESSING NEEDS SUCH AS CRITICAL ILLNESS, ACCIDENTAL DEATH COVERAGE OR PROVIDING A SAVINGS ELEMENT.
IN THE MAJORITY OF COUNTRIES, THE BENEFICIARY DOES NOT HAVE TO REPORT THE DEATH BENEFIT AS TAXABLE INCOME IF THE PROCEEDS ARE PAID IN A LUMP-SUM.