Empower yourself for Financial Freedom

Get Started with Life & Health Insurance

At covrIQ, we believe that financial freedom starts with protection and preparation. Whether you’re planning for your family’s future, protecting your income, or building tax-free wealth, our insurance solutions can help you take control of your financial journey.

🔰 Why Insurance is the Foundation of Financial Freedom

Insurance isn’t just about coverage—it’s a strategy for stability and growth. The right plan can:

Protect your loved ones in case of the unexpected
Build cash value for retirement or emergencies
Cover medical expenses when life takes a turn
Help you leave a legacy or fund a child’s education

🧭 Where to Begin

Here’s a simple path to help you get started:

1. Understand Your Needs

Start by identifying your goals:

Do you want affordable coverage for a specific period?

Are you looking to build cash value while staying insured?
Do you want to prepare for health emergencies or long-term care?

2. Learn the Basics

💼 Term Life Insurance

Affordable and straightforward.
Provides protection for a set number of years (10, 20, 30).
✅ Ideal for income replacement, mortgage protection, or family support.

🌱 Indexed Universal Life (IUL)

Flexible permanent coverage + tax-free growth potential.
Cash value grows based on market index performance—without direct market risk.
✅ Great for retirement planning, college savings, and wealth transfer.

🔒 Riders – Customize Your Coverage

Enhance your policy with extra benefits:

Living Benefits Rider – access funds if diagnosed with a critical, chronic, or terminal illness
Waiver of Premium – keeps your coverage active if you become disabled
Child or Spouse Rider – extend protection to family members