For Individuals

Life & Health

No one knows what the future has in store, but at Aviva we know how to protect you and your loved ones against the uncertainties life may throw at you. With life insurance you can protect yourself and your family against death, total and permanent disability and critical illness at affordable premiums.

Overview

Introducing MyProtector

MyProtector is a flexible and affordable term protection plan that allows you to choose the coverage you really need.

MyProtector:

  • Is specially designed to empower you to select the precise coverage that you need
  • Pays a lump sum in the event of death or upon diagnosis of a Terminal Illness within the policy term
  • Allows you to enhance your coverage by complementing your plan with your choice of riders
  • Lets you choose between level term and decreasing term

To serve your specific needs, MyProtector comes in three forms: MyProtector-Term Plan, MyProtector-Level Plus and MyProtector-Decreasing

 

MyProtector-Term Plan

Coverage of S$500k and above - MyProtector-Term Plan

Looking for value-for-money life insurance? This is the perfect insurance plan that can meet your personal and professional milestones.

  • Pays a lump sum in the event of death or upon diagnosis of a Terminal Illness within the policy term
  • Coverage term of 5 years, 10 years or 11 years to term up to 99 Age Next Birthday (ANB) at every one year interval
  • Guaranteed Renewable Option (GRO) allows you to renew your Basic Policy automatically every 5 years or 10 years from the renewal date at policy anniversary for the same policy term without medical underwriting1
  • Increase coverage at key life events - Guaranteed Issuance Option (GIO) provides the flexibility to increase coverage of your Basic Policy when you reach key milestones in life, such as marriage, graduation, starting a family or even when you purchase a property2
  • Guaranteed Convertibility Option (GCO) - allows you to convert the Basic Policy to a new Endowment or Whole Life Policy without further medical underwriting3
  • Interim Accidental Death Benefit4
  • No Nationality Loading

For more benefits, add these riders5:

  • Total and Permanent Disability Advance Cover Plus6
  • Critical Illness Advance Cover Plus6
  • MultiPay Critical Illness Cover
  • Early Critical Illness Cover (New enhancement from 1 September 2017)
  • Critical Illness Premium Waiver
  • Payer Critical Illness Premium Waiver
  • Payer Premium Waiver Benefit

 

Footnotes

  1. Guaranteed Renewable Option (GRO) is only applicable to policy term 5 years or 10 years. Upon renewal, the Life Assured is insured for at most the same Sum Assured as before the renewal date and for the same policy term. No new policy will be issued. GRO is also applicable to Total and Permanent Disability Advance Cover Plus, Enhanced Total and Permanent Disability Benefit, Critical Illness Advance Cover Plus and/or Enhanced Critical Illness Accelerated Benefit, if attached to the basic Policy at inception. Premiums payable for the renewed Policy will be based on the Life Assured’s attained age and the prevailing premium rates at the date of renewal. Please refer to the Product Summary for more details.
  2. The policyowner may opt for this option at each of the following key life events without providing evidence of health:
    1. a) the Life Assured marries or divorce (i.e. change of marital status)
    2. b) the Life Assured becomes a parent by having a newborn child, or legally adopts a child (i.e. adding a new child member to the immediate family)
    3. c) the Life Assured graduates from tertiary education; or
    4. d) the Life Assured purchases a property (applicable for MyProtector-Term Plan only).
      This option allows the policyowner to increase Sum Assured of the basic policy up to 50% of MyProtector-Term Plan and/or MyProtector-Level Plus basic Sum Assured, or:
      For MyProtector-Term Plan:  up to a maximum of S$500,000 per life (or its equivalent in other currencies), whichever is lower. For MyProtector-Level Plus: up a maximum of S$250,000 per life (or its equivalent in other currencies), whichever is lower.

    The limits are set for MyProtector-Term Plan and MyProtector-Level Plus, irrespective of the number of MyProtector-Term Plan or MyProtector-Level Plus Policies the Life Assured may have and the number of times the policy is renewed (under the GRO). This option is extended to standard life only. Please refer to the Product Summary for more details.

  3. Policy Owner can convert the Basic Policy to a new Endowment or Whole Life Policy available at the point of conversion, without further evidence of insurability as long as the following conditions are met:
    1. a) The Policy is in force when this feature is exercised;
    2. b) The Life Assured is at age 70 at next birthday or younger when Guaranteed Convertibility Option is exercised (for joint life policy, the age limit to convert is based on the older Age of the two Lives Assured);
    3. c) The Life Assured is insured for the same Sum Assured or less on the new Policy; or
    4. d) No claims on this Policy have been admitted.
    Please refer to Product Summary for details.
  4. This benefit shall terminate on the earliest occurrence of a list of events. Please refer to Product Summary for details, including the list of exclusion.
  5. For details on riders, please refer to the respective Product Summaries.
  6. Total and Permanent Disability Advance Cover Plus and Critical Illness Advance Cover Plus are only applicable for MyProtector-Term Plan. It includes Guaranteed Renewable Option, Guaranteed Issuance Option and Guaranteed Convertibility Option. These options allow policyowner to enjoy the benefits without further evidence of insurability. Please refer to its respective Product Summaries for more details.

 

The policy is underwritten by Aviva Ltd.

This is published for general information only and does not have regard to the specific investment objectives, financial situation and the particular needs of any specific person. A copy of the Product Summary may be obtained from Aviva Ltd and the participating distributor’s offices. You should read the Product Summary before deciding whether to purchase the policy. You may wish to seek advice from a financial adviser, before making a commitment to purchase the product. In the event that you choose not to seek advice from a financial adviser, you should consider whether the product in question is suitable for you.

Buying a life insurance policy is a long-term commitment. Early termination of the policy usually involves high costs and the surrender value payable, if any, may be less than the total premiums paid. This brochure is not a contract of insurance. Full details of the standard terms and conditions of this plan can be found in the relevant policy contract.

Information is last updated at Jan 2017.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Aviva Ltd or visit the Life Insurance Association Singapore or SDIC websites (www.lia.org.sg or www.sdic.org.sg).

 

 

MyProtector-Level Plus

Coverage below S$500k - MyProtector-Level Plus

An affordable basic term insurance plan that pays a guaranteed sum in the event of death or diagnosis of Terminal Illness.

  • Pays a lump sum in the event of death or upon diagnosis of a Terminal Illness within the policy term
  • Coverage term of 5 years, 10 years or 11 years to term up to 99 Age Next Birthday at every one year interval
  • Guaranteed Renewable Option (GRO) allows you to renew your Basic Policy automatically every 5 years or 10 years from the renewal date at policy anniversary for the same policy term without further medical underwriting1
  • Increase coverage at key life events - Guaranteed Issuance Option (GIO) provides the flexibility to increase coverage of your Basic Policy when you reach key milestones in life, such as marriage, starting a family or even upon graduation2
  • Interim Accidental Death Benefit3
  • No Nationality Loading

For more benefits, add these riders4:

  • Enhanced Total and Permanent Disability Benefit
  • Enhanced Critical Illness Accelerated Benefit
  • Early Critical Illness Cover (New enhancement from 1 September 2017)
  • Male Illness Cover II
  • Female Illness Cover II
  • Accidental Death and Dismemberment Benefit
  • Critical Illness Premium Waiver
  • Payer Critical Illness Premium Waiver
  • Payer Premium Waiver Benefit

 

Footnotes

  1. Guaranteed Renewable Option (GRO) is only applicable to policy term 5 years or 10 years. Upon renewal, the Life Assured is insured for at most the same Sum Assured as before the renewal date and for the same policy term. No new policy will be issued. GRO is also applicable to Total and Permanent Disability Advance Cover Plus, Enhanced Total and Permanent Disability Benefit, Critical Illness Advance Cover Plus and/or Enhanced Critical Illness Accelerated Benefit, if attached to the basic Policy at inception. Premiums payable for the renewed Policy will be based on the Life Assured’s attained age and the prevailing premium rates at the date of renewal. Please refer to the Product Summary for more details.
  2. The policyowner may opt for this option at each of the following key life events without providing evidence of health:
    1. a) the Life Assured marries or divorce (i.e. change of marital status)
    2. b) the Life Assured becomes a parent by having a newborn child, or legally adopts a child (i.e. adding a new child member to the immediate family)
    3. c) the Life Assured graduates from tertiary education; or
    4. d) the Life Assured purchases a property (applicable for MyProtector-Term Plan only).
      This option allows the policyowner to increase Sum Assured of the basic policy up to 50% of MyProtector-Term Plan and/or MyProtector-Level Plus basic Sum Assured. , or:
      For MyProtector-Term Plan: up to a maximum of S$500,000 per life (or its equivalent in other currencies), whichever is lower. For MyProtector-Level Plus: up a maximum of S$250,000 per life (or its equivalent in other currencies), whichever is lower.

    The limits are set for MyProtector-Term Plan and MyProtector-Level Plus, irrespective of the number of MyProtector-Term Plan or MyProtector-Level Plus Policies the Life Assured may have and the number of times the policy is renewed (under the GRO). This option is extended to standard life only. Please refer to the Product Summary for more details.

  3. This benefit shall terminate on the earliest occurrence of a list of events. Please refer to Product Summary for details, including the list of exclusion.
  4. For details on riders, please refer to the respective Product Summaries.

 

The policy is underwritten by Aviva Ltd.

This is published for general information only and does not have regard to the specific investment objectives, financial situation and the particular needs of any specific person. A copy of the Product Summary may be obtained from Aviva Ltd and the participating distributor’s offices. You should read the Product Summary before deciding whether to purchase the policy. You may wish to seek advice from a financial adviser, before making a commitment to purchase the product. In the event that you choose not to seek advice from a financial adviser, you should consider whether the product in question is suitable for you.

Buying a life insurance policy is a long-term commitment. Early termination of the policy usually involves high costs and the surrender value payable, if any, may be less than the total premiums paid. This brochure is not a contract of insurance. Full details of the standard terms and conditions of this plan can be found in the relevant policy contract.

Information is last updated at Jan 2017.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Aviva Ltd or visit the Life Insurance Association Singapore or SDIC websites (www.lia.org.sg or www.sdic.org.sg).

 

MyProtector-Decreasing

Flexible coverage option - MyProtector-Decreasing

Want a more flexible life insurance coverage that can decrease with time as your liabilities shrink? When your mortgage, car loan or children’s school fees are all paid up you may no longer want a higher coverage.

Then consider MyProtector- Decreasing!

  • Pays a decreasing sum year-on-year over the term of the policy
  • Interest rate options of 1%, 2%, 3%, 4%, 5%, 7% or 9% to suit your requirements- this means coverage reduces as your debt is reduced – no need to be worried about getting over insured
  • Pays a lump sum in the event of death or upon diagnosis of a Terminal Illness within the policy term
  • Coverage term of 10 years and up to 99 Age Next Birthday at every one year interval

For more benefits, add these riders1:

  • Total and Permanent Disability Benefit
  • Critical Illness Accelerated Benefit
  • Critical Illness Premium Waiver

 

Footnotes

  1. For details on riders, please refer to the respective Product Summaries.

 

The policy is underwritten by Aviva Ltd.

This is published for general information only and does not have regard to the specific investment objectives, financial situation and the particular needs of any specific person. A copy of the Product Summary may be obtained from Aviva Ltd and the participating distributor’s offices. You should read the Product Summary before deciding whether to purchase the policy. You may wish to seek advice from a financial adviser, before making a commitment to purchase the product. In the event that you choose not to seek advice from a financial adviser, you should consider whether the product in question is suitable for you.

Buying a life insurance policy is a long-term commitment. Early termination of the policy usually involves high costs and the surrender value payable, if any, may be less than the total premiums paid. This brochure is not a contract of insurance. Full details of the standard terms and conditions of this plan can be found in the relevant policy contract.

Information is last updated at Jan 2017.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Aviva Ltd or visit the Life Insurance Association Singapore or SDIC websites (www.lia.org.sg or www.sdic.org.sg).

 

MyProtector

MyProtector Brochure

Please contact your preferred financial adviser representative for a copy of the relevant Product Summary/ies.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Contact Us

For more information about Aviva, please Contact Us.

  • Customer
    Service Hotline
    6827-9933

Nominate your beneficiary!

Avoid inconveniencing your loved ones when the unfortunate happens.

Find out how  >

MyProtector-MoneyBack

 

Introducing MyProtector-MoneyBack

MyProtector-MoneyBack is a protection insurance plan1 that not only provides life insurance coverage; it also returns you all the premiums you’ve paid to date2 upon the policy’s expiry.

So with MyProtector-MoneyBack, you can be sure that you have a life insurance plan that promises to give you your money back, upon claim or when your policy expires. At the same time, you’ll also feel safe and secure that should anything untoward happen, your loved ones will be taken care of.

Here are some key benefits:

  • Enjoy protection and get your premiums back2 (without interest), on the Policy Expiry Date.
  • Covers Death, Accidental Death, Terminal Illness and Total and Permanent Disability1.
  • Receive a lump sum amount plus total premiums paid in the event of a claim3.
  • Enjoy 200% of the sum assured plus total premiums paid in the event of an accidental death3.
  • Choice of coverage term of 15, 20, 25 or 30 years, subject to maximum age limits4.
  • Level and guaranteed premiums amount throughout the policy term.

How MyProtector-MoneyBack works

James Kho is a 35 year old account manager for a multinational firm. He has two young children, aged 6 and 2 years old.

He is worried that he doesn’t have sufficient life insurance coverage, especially when his friend has recently died, leaving behind his wife and newborn baby. James has therefore decided to purchase MyProtector-MoneyBack with a Sum Assured of S$200,000 and has chosen to pay S$1,915.756 annually, over a 15-year coverage term.

Here’s how MyProtector-MoneyBack can serve James and his family.

  • James gets into an accident at age 48 and as a result, suffers from Total and Permanent Disability2 (TPD). Upon diagnosis of TPD by a registered medical practitioner, he will receive a total of:

    S$200,000 (Sum Assured) + S$26,820.50 (Total Premiums Paid)

    = S$226,820.50.

     

  • James lives a happy and healthy life. At age 50, his policy expires and he gets his total premiums back. He will receive a total of:

    S$1,915.756 (annual premium) x 15 years (coverage term) = S$28,736.25, on the policy expiry date.

     

 

Footnotes

  1. MyProtector-MoneyBack covers Death, Accidental Death, Terminal Illness and Total and Permanent Disability as defined under our Policy Contract and Product Summary.

    We will pay:

    • Death Benefit upon death of the Life Assured within the policy term. We will pay the Sum Assured and total premiums paid without interest, less any amount owing to Aviva Ltd in one lump sum; or
    • Terminal Illness Benefit in a lump sum, as an advancement of the Death Benefit upon diagnosis of terminal illness of the Life Assured within the policy term; or
    • Total and Permanent Disability Benefit in a lump sum, as an advancement of the Death Benefit if the Life Assured becomes totally and permanently disabled as defined in the Provisions; or
    • If death is due to accidental injury within the policy term, we will pay the Accidental Death Benefit which is 200% of the Sum Assured and the total premiums paid without interest, less any amount owing to Aviva Ltd in one lump sum.

    Please refer to the Product Summary and the Policy Contract for further details.

  2. Premiums that will be returned refer to the total premiums paid by the policyholder, without interest, less any amount owing to Aviva Ltd upon the Policy Expiry Date or a valid claim. If you wish to surrender your policy before the expiry of the policy, the surrender value stated in the Benefit Illustration will be payable, subject to the deductions of any amounts owing to Aviva.
  3. Upon a valid claim, premiums that will be returned refer to the total premiums paid by the policyholder, without interest, less any amount owing to Aviva Ltd.
  4. To find out more details on the maximum age limits, please refer to the Product Summary.
  5. Simplified underwriting is subject to a maximum Sum Assured of up to S$500,000 per life, subject to the fulfilment of Aviva Ltd’s health declaration requirements.
  6. Illustration is based on a male aged 35 years at next birthday, non-smoker, who chooses to pay annually for a Sum Assured of S$200,000 with a 15 years premium and policy term.


The policy is underwritten by Aviva Ltd.

This is published for for general information only and does not have regard to the specific investment objectives, financial situation and the particular needs of any specific person. A copy of the Product Summary may be obtained from Aviva Ltd and the participating distributor’s offices. You should read the Product Summary before deciding whether to purchase the policy. You may wish to seek advice from a financial adviser, before making a commitment to purchase the product. In the event that you choose not to seek advice from a financial adviser, you should consider whether the product in question is suitable for you.

Buying a life insurance policy is a long-term commitment. Early termination of the policy usually involves high costs and the surrender value payable, if any, may be less than the total premiums paid. This brochure is not a contract of insurance. Full details of the standard terms and conditions of this plan can be found in the relevant policy contract.

Information is correct as at April 2015.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Aviva Ltd or visit the Life Insurance Association Singapore or SDIC websites (www.lia.org.sg or www.sdic.org.sg).

 

MyProtector-MoneyBack

MyProtector-MoneyBack Brochure

Please contact your preferred Financial adviser for a copy of the relevant Product Summary/ies.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Contact Us

For more information about Aviva, please Contact Us.

  • Customer
    Service Hotline
    6827-9933

Nominate your beneficiary!

Avoid inconveniencing your loved ones when the unfortunate happens.

Find out how  >

MyFamilyCover

 

When it comes to providing for your loved ones, you’ve always taken the responsible route. You know that a steady flow of income is important for your family’s day-to-day needs.

You may also have a life insurance plan in place, to ensure they’re financially protected in case you’re no longer able to provide for them.

But are you sure if the coverage amount is enough, or for how long the money will last?

Introducing MyFamilyCover

MyFamilyCover is a protection insurance plan that, should the unfortunate happen, provides a monthly income1 for you and your family, so they can sustain the lifestyle they’re used to.

With MyFamilyCover, your loved ones will be able to manage their monthly bills and regular expenses such as school fees, grocery bills and car repayments, with ease, not having to worry about their lump sum savings running out prematurely.  

Key Benefits:

  • Option to choose your monthly income1, cover term and insurance coverage2 to best suit your needs
    We offer these insurance coverage options:
    • Plan 1 - Covers Death, Terminal Illness (TI), Total and Permanent Disability (TPD) and Critical Illness (CI)
    • Plan 2 - Covers Death, TI and TPD
    • Plan 3 - Covers Death and TI
    • Plan 4 - Covers TPD and CI
  • Enjoy a monthly income stream for the remaining cover term or for a guaranteed period of 10 years (whichever is longer), should the unfortunate happen
  • Option3 to apply for ElderShield Supplement(s) such as MyCare and/or MyCare Plus without underwriting to meet your long term care needs when you turn 40 years of age
  • Complements existing protection plans you may already have that provide a lump sum payout, strengthening the financial safety net for your family

How does MyFamilyCover work?

John, aged 35 years old on his next birthday, is married with two young children. He is the sole breadwinner in his family. They have just moved into their new HDB flat for which they have put in a large part of their cash savings as down payment. John worries that should anything unfortunate happen to him, such as sudden death or Critical Illness, his family would struggle financially with their high monthly expenses.

He wants to plan for his family to receive a monthly income of $3,000 per month and has decided on a cover term of 30 years that will protect him till he’s 65 years old.

Here’s how MyFamilyCover could help him and his family...

1.  MyFamilyCover is a non-participating insurance plan. The monthly income refers to the Monthly Income Benefit (MIB) as defined in the Terms and Conditions, which is payable (when Aviva Ltd admits a claim for one of the Basic Benefits covered for Death, Terminal Illness, Total and Permanent Disability, and/or Critical Illness) for the remaining Cover Term or for a guaranteed period of 10 years, whichever is longer. Minimum Monthly Income Benefit is $1,000 per month subject to underwriting. Please refer to the Product Summary for more details.

2.  Death Benefit is payable if the Life Assured dies within the Cover Term.

Terminal Illness (TI) Benefit is payable if the Life Assured is diagnosed with a Terminal Illness within the Cover Term.

Total and Permanent Disability (TPD) Benefit is payable if the Life Assured becomes totally and permanently disabled within the Cover Term and before aged 70 next birthday.

Critical Illness (CI) Benefit is payable if the Life Assured is diagnosed to be suffering from any one of the 35 covered Critical Illnesses within the Cover Term. Please refer to the Product Summary for details. For the full definitions of the Critical Illnesses, you may refer to the Terms and Conditions stated in the policy contract.

Plan 4, which covers TPD and CI, also has a fixed Death Benefit of $25,000. Please refer to the Product Summary for more details.

For Plan 1, 2 and 4, the customer can choose a Cover Term to age 70 (ANB). For Plan 3, the customer can choose a Cover Term up to age 75 (ANB).

3.  Option to apply for ElderShield Supplement(s) is for eligible customers and is subject to Aviva Ltd’s approval and the terms, conditions and guidelines applicable at the time of application. Please refer to the Product Summary for details.

 

Disclaimers

The policy is underwritten by Aviva Ltd.

This brochure is published for general information only and does not have regard to the specific investment objectives, financial situation and the particular needs of any specific person. A copy of the Product Summary may be obtained from Aviva Ltd and the participating distributors’ offices. You should read the product summary before deciding whether to purchase the policy. You may wish to seek advice from a financial adviser before making a commitment to purchase the product. In the event that you choose not to seek advice from a financial adviser, you should consider whether the product in question is suitable for you.

This brochure is not a contract of insurance. Full details of the standard terms and conditions of this plan can be found in the relevant policy contract.

Information is correct as at April 2015.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Aviva Ltd or visit the Life Insurance Association or SDIC websites (www.lia.org.sg or www.sdic.org.sg).

 

Enhance your coverage by complementing your plan with your choice of riders.

You can choose to add these riders to your MyFamilyCover policy:

Critical Illness Premium Waiver1

  • Waiver of future premiums upon diagnosis of the Critical Illnesses covered

Payer Critical Illness Premium Waiver1

  • Waiver of future premiums if the policyowner is diagnosed with one of the covered Critical Illnesses.

Payer Premium Waiver Benefit1

  • Waiver of future premiums if the policyowner dies, or is diagnosed with Terminal Illness or Total and Permanent Disability.

 

1.  For more information, please refer to the Key Provisions in the Product Summary.

Disclaimers

The policy is underwritten by Aviva Ltd.

This brochure is published for general information only and does not have regard to the specific investment objectives, financial situation and the particular needs of any specific person. A copy of the Product Summary may be obtained from Aviva Ltd and the participating distributors’ offices. You should read the product summary before deciding whether to purchase the policy. You may wish to seek advice from a financial adviser before making a commitment to purchase the product. In the event that you choose not to seek advice from a financial adviser, you should consider whether the product in question is suitable for you.

This brochure is not a contract of insurance. Full details of the standard terms and conditions of this plan can be found in the relevant policy contract.

Information is correct as at April 2015.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Aviva Ltd or visit the Life Insurance Association or SDIC websites (www.lia.org.sg or www.sdic.org.sg).

 

MyFamilyCover

Information Brochure

Please contact your preferred Financial adviser for a copy of the relevant Product Summary/ies.

 Need Help?

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Contact Us

For more information about Aviva, please Contact Us.

  • Customer
    Service Hotline
    6827-9933

Nominate your beneficiary!

Avoid inconveniencing your loved ones when the unfortunate happens.

Find out how  >