+94 115 554455 Monday-Friday, 8am - 6pm
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IMS Corporate Office 620, Kotte Road, Rajagiriya
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+94 115 554455 Monday-Friday, 8am - 6pm
info@ceynergy.lk Send us a message
IMS Corporate Office 620, Kotte Road, Rajagiriya
Get a Quote
toggle menu

We are authorized to sell any of the below mentioned polices within Sri Lanka available from any Sri Lankan insurer

What is ‘Life Insurance’?

Life insurance is a protection against financial loss that would result from the premature death of an insured. The named beneficiary receives the proceeds and is thereby safeguarded from the financial impact of the death of the insured. The death benefit is paid by a life insurer in consideration for premium payments made by the insured.

 

How Life Insurance Works?

Life insurance is a contract between an individual with an insurable interest and a life insurance company to transfer the financial risk of a premature death to the insurer in exchange for a specified amount of premium. The three main components of the life insurance contract are a death benefit, a premium payment and, in the case of permanent life insurance, a cash value account.

Family Income Protection

Finances, security and love are the key ingredients for a happy family life. Love is like the thread of a piece of cloth. It’s the bond that holds every member of the family together. We do so many things for our family because we love them. We give so many promises, commitments to our family members and develop so many plans and start doing things to make their future bright and steady. It is not a question of fulfillment of promises and commitments if the breadwinner lives. However the breadwinner will always have the fear of not being able to do these if something happens to him or her. Life insurance is the best love letter ever written by the head of the family to his family. By securing their future with a solid financial plan in the absence of the breadwinner it will help the family to feel the meaning of the breadwinners love even if he or she is not around.

Health Protection

A type of insurance coverage that covers the cost of an insured individual’s medical and surgical expenses. Depending on the type of health insurance coverage, either the insured pays costs out-of-pocket and is then reimbursed, or the insurer makes payments directly to the provider.

In health insurance terminology, the “provider” is a clinic, hospital, doctor, laboratory, health care practitioner, or pharmacy. The “insured” is the owner of the health insurance policy; the person with the health insurance coverage.

Child Higher Education

In today’s competitive world, only a fraction of students get into government universities while local private higher education could cost millions of rupees. Foreign universities will cost even more without living expenses. With unpredictable loan rates, funding your child’s education with a loan could leave you in debt. In response to this there are multiple polices available for your children.

Retirement Income

Why do people fear old age? What are the challenges faced in old age? There are two major challenges that need to be faced at the old age. People become physically weak and they are unable to work due to lack of physical strength. At the same time, no one offers them permanent jobs as they are old and weak. As a result of that, most of the people at old age face severe financial hardships and most of the times their savings are gone to full fill their family’s obligations. The second challenge faced at old age is deteriorating condition of health, which generally is very costly.

What is the option one can have in his/her old age to finance his living? The solution to this is a retirement policy or more commonly known as a pension policy. Their multiple variants to this form of policy.