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Meritiwealth Inc. (Canada) and Meritiwealth Limited (Hong Kong), are independent insurance advisory firms who offer a wide range of life and health insurance and wealth management products for individuals, families, and business owners. We want our clients to achieve the peace of mind that comes with a lifetime of financial security.
Critical Illness Insurance;
Critical illness insurance is a form of protection that can provide you with a lump sum payment if you suffer from a covered critical illness and the survival period is satisfied. The physical and emotional strain of a critical illness can be severe and when you combine that with the potentially damaging financial impact, the result can be devastating. That's where the critical illness benefit comes in—you are free to spend the money as you wish—such as to help cover lost income, to pay for private nursing or out-of-country treatment, for medical equipment or even to pay off your mortgage. It can help you where you need it most so you can focus all your energy on recovering.
Disability insurance can provide you with financial security by replacing a portion of your earnings when an accident or illness causes you to become disabled and unable to work or earn an income. Accidents and illnesses are a fact of life. They could happen to anyone at any time. Both personal and business disability insurance solutions are available that offer flexibility and features to help bridge the gap between income and expenses during a disability.
Long Term Care Insurance;
Long term care insurance provides you with the support and financial resources necessary to cover the out-of-pocket expenses for care at home or in a facility, when you can no longer care for yourself. This insurance protects your retirement plans and gives you flexibility and control when making choices about the care you need. Long-term care services may be provided in a variety of settings: at home, through adult day care, in a retirement home, assisted-living setting, or long-term care facility.
Travel insurance is insurance that is intended to cover medical expenses, trip cancellation, lost luggage, flight accident and other losses incurred while traveling, either internationally or within one's own country. Travel insurance can usually be arranged at the time of the booking of a trip to cover exactly the duration of that trip, or a "multi-trip" policy can cover an unlimited number of trips within a set time frame. Some policies offer lower and higher medical-expense options; the higher ones are chiefly for countries that have extremely high medical costs, such as the USA or Canada.