aia enhanced critical life

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It provides you with additional annual limit, enhanced out-patient benefits and extra benefits through our Health Wallet, such as health screening, vaccinations and etc. AIA will pay Its unique multiplier feature gives you the ability to boost your coverage up to 5 times, giving you the protection when you need it most. The policy also has a Power Relapse function for five of the leading critical illnesses in Singapore, the highest number of relapsed conditions in any policy in the market today. In terms of sum assured for death coverage, double-digit growth was observed, showing awareness for more meaningful coverage, Ang said. Who we are, what we do. She recommended that they: Immediately apply for AIA’s Critical Illness product while they were still in good health. The terms of your benefits are contained in the relevant appendix. Find out more about our latest campaigns and promotions, Protect your loved ones’ future from life’s uncertainties, Adequate coverage for medical bills so you can focus on getting better, Protect against the financial burdens of critical illness, Be financially prepared for the unexpected. The contents of this page are for illustration purposes only. A-Life Beyond Critical Care is a plan that is designed to accompany your health journey and provide you with comprehensive critical illness protection until the age of 80. As the insurance premiums are largely based on an individual’s profile, we are quoting the premiums based on the following assumptions: 30-year-old female, non-smoker, looking for a coverage of $200,000 As a rule of thumb by the Life Insurance Association of Singapore (LIA), the amount of CI coverage … If you would like to find out more or check on your policy details, get in touch with your AIA Financial Services Consultant or contact us. Press release, January 3, 2019. 10Life rates the products based on the value and terms … AIA Power Critical Cover provides comprehensive and affordable Critical Illness coverage. You can find more information on the types of cookies we collect, what we use these for, and how to manage your cookie settings in our Need to make a claim? AIA SG account here. The year showed continued customer patronage for AIA Philam Life’s protection products, with its protection trinity offering making it to the top four bestsellers of the company: AIA Critical Protect 100, AIA All-in-One, and AIA Med-Assist. At the same time, WhiteCoat is there to support you with access to on-demand telemedicine services from Singapore-registered doctors for consultations and to advise you on how to manage your condition, anytime and anywhere via a mobile app. View videos that showcase AIA Singapore as a company. The Executive Committee and Board & Board Committees of AIA Singapore, Our healthy living initiatives, partnership with Tottenham Hotspur Football Club and more. Automatic Renewal means that it covers both you and your loved one for the first 10 years, and, barring a critical illness or a death claim, will continue to cover you for the succeeding 10 at an adjusted premium rate. AIA Power Critical Cover (AIA PWCC) is an enhanced version of its predecessor, AIA Triple Critical Cover (AIA TCC), as part of our commitment to research and improve our products so that we offer our customers innovative and relevant insurance solutions. The five critical illnesses include 1) Relapsed Major Cancer, 2) Recurred Heart Attack, 3) Recurred Stroke, 4) Relapsed Heart Valve Surgery, and 5) Repeated Major Organ / Bone Marrow Transplantation. Cover your personal belongings from loss or damage. Secure your company’s most important asset through our market-leading solutions, We take care of the matters of your life because your life matters. 2021 AIA President's Inaugural Message. and While being diagnosed with a critical illness will affect you and your family’s quality of life, one thing you can ensure is your financial security with a payout from your critical illness insurance. Multiple claims for different critical illnesses. This means being there to encourage you in your journey to lead a healthier lifestyle, giving you access to health consultations and medical specialists, as well as providing you with payouts upon diagnosis of chronic conditions from a pre-early stage and prioritising prevention and early intervention. Visit our corporate site to learn more about AIA. This website uses cookies for the purpose of enhancing your user experience. Because AIA All-In-One is powered by Philam Vitality, you're part of a total wellness program that helps you know your health, improve your health, and enjoy rewards for all the healthy choices you make. AIA is committed to helping you meet your financial needs and goals with a wide range of life and health protection and long-term savings products. The AIA Guaranteed Protect Plus II is a whole life participating policy that covers till age 100, has cash value, has multiplier of sum assured option as well as early to intermediate to advance stage Critical Illness. From 2017 to 2019, AIA Philam Life customers who availed critical illness coverage doubled, reflecting increased demand for protection against critical illness. register for My Here is the definition taken from Great Eastern Life insurance policy. Wide coverage for 175 conditions. Get your comprehensive coverage now. Your critical illness insurance, including the AIA Power Critical Cover, does not specifically cover you against COVID-19 as it is not one of the critical illness conditions covered under the plan. To add to that, 4 in 5 Singaporeans continue to face a lifetime of chronic health conditions even after recovering from a critical illness. Disability. You can’t live on dreams alone. Today, with advancements in medicine and better individual health awareness, the likelihood of early detection and surviving a critical illness has improved dramatically. With AIA All-In-One, get protected against 4 major risks in life: untimely death, accidents, disability, and critical illnesses. https://www.aia.com.sg/en/coronavirus-disease-2019.html, • MOST COMMON TYPES OF CANCERS IN SINGAPORE, AND WHAT YOU CAN DO TO PROTECT YOURSELF, • 5 THINGS YOU NEED TO KNOW BEFORE GETTING A CRITICAL ILLNESS PLAN, • HOW AIA CLOSES YOUR CRITICAL ILLNESS PROTECTION GAP. While the LIA states that economically active Singaporeans and PRs have a critical illness gap of 3.1 times, this is just an average figure across the country. Find out more. Your benefits are not affected by market risks, so you can get full protection when the need arises. Enjoy lifelong medical protection until 100 years old. That way, you can conveniently secure your future and live worry-free with your family. For Active Joint Critical Protect, this will be the same for each of the 10 years of the plan. It allows you to receive early payouts from your basic policy if you are diagnosed with a critical illness, from early to major stage, giving you financial support and helping you get on the road to recovery. Hong Kong Island AIA Wealth Select Centre 12/F, AIA Tower, 183 Electric Road, North Point, Hong Kong. Get financial support to help ease your financial strain when life takes unexpected turn. All rights reserved. Plan your enduring legacy, and share it with the generations to come. An initiative to encourage all our customers to lead a healthier lifestyle is AIA Vitality, a holistic health and wellness programme designed to motivate and reward you to make small but impactful lifestyle changes. Each of those provide a different level of cover. Visit our corporate site to learn more about AIA. Make your money work harder for you – your dreams matter. Non-participating policy – Stand Alone Policy (Health Insurance)Issuance age from 0 to 74 years old; Pays daily cash for up to 500 days per accident or sickness if you’re admitted to hospital, whether in Singapore or overseas For almost a century, AIA has served the ever-changing needs of millions of people all across the Asia-Pacific region. Having this peace of mind also enables you to enjoy each family milestone to the fullest. It’s better to be prepared for the unexpected by having the best life insurance in Singapore. AIA Vitality supports and motivates you every step of the way towards achieving your health goals. Improve your coverage with an optional Enhanced Waiver of Premium. Copyright © 2015, AIA Group Limited and its subsidiaries. Many current products cover also early stage, minor and juvenile diseases, and the coverage amount differs based on the severity of the illness. Many critical illness policies, including those offered by AIA, go beyond the Life Insurance Association of Singapore’s (LIA) standard list of 37 major critical illnesses, which includes major cancer, heart attack, stroke and kidney failure. In the unfortunate scenario you pass on due the COVID-19, critical illness policies with death benefit will cover you against death due to COVID-19. This plan covers you from early detection to prevention, and from treatment to recovery. Kowloon Suite 1313, 13/F, AIA Living Essential offers 8 great benefits which offers you comprehensive coverage such as death, total permanent disability, diagnosis of 30 critical illness, enhanced accident death and dismemberment benefit, surgical benefit, daily hospital income benefit, second opinion on a diagnosed critical illness and unemployement benefit. Upon reaching the milestone age 100, you can get the total face amount less any unpaid loan and interest. Exclusive for AIA policyholders and Vitality members to conveniently access AIA Prime Secure is a 360-degree solution allowing you to enjoy a secure future on your own terms; assured of financial independence and protection for life. Read this post to see how I surrendered my AIA Prime Life Special Policy in 2017 after reaching the 20-year mark, cashed-out S$16,448.58 and received the cheque on the same day. AIA Vitality is a comprehensive programme that motivates you to keep fit and helps you to manage your health. and Putting a plan in place to achieve your financial goals requires both objective and expert advice. AIA Power Critical Cover protects you extensively through the unpredictable event of multiple critical illnesses without disrupting your coverage. In addition to the critical illness coverage, AIA Power Critical Cover is also the only standalone critical illness plan that provides an eventual cash value in situations of good health – with a Maturity Benefit at age 100 and Surrender Benefit for those who do not make any claims over the policy term on or after the 60th policy anniversary or at age 75, whichever is earlier, subject to deduction of any critical illness benefit paid. Find our products and services according to your protection needs. Acts of nature are natural disasters such as storm (wind, rain, snow, sleet, hail, lightning, dust, or sand), earthquake, flood, land slide, volcanic eruption, or wildfire. Actual terms and conditions are found in the Policy Contract. Find out why you need to stay one step ahead of major life risks. Discover the rewards and benefits you have unlocked with your AIA Vitality points. AIA Power Critical Cover protects you extensively through the unpredictable event of multiple critical illnesses without disrupting your coverage. Other life insurance company also uses the same definition although some wordings might vary. Plan for my family's future financial needs, Ensure that I have adequate protection and savings plans, Plan for my children's health and education needs. Early Critical Protector Life Plus is an optional plan that supplements the AIA Guaranteed Protect Plus basic plan. In this case, AIA and GE have related products to early payouts. This is the fee you pay us to protect you and your loved ones for a specified risk in a specified period of time. Your benefits are not affected by market risks, so you can get full protection when the need arises. This works by resetting your AIA Power Critical Cover coverage amount to 100% after 12 months have passed from your last claim. AIA Personal Data Policy (Singapore). Whole Life Critical Illness (“CI”)Insurance mainly covers life threatening diseases. policy information, Vitality membership and rewards. However, if complications arise due to COVID-19 meet the Critical Illness definition stated in your policy, the claims will be admissible. What’s more, get rewarded for healthy choices and earn points when you Get Active, Eat Well and complete Health Checks! AIA will reimburse you for fees up to $2,500 (incl. With life expectancy on the rise, you have more to look forward to – and more to prepare for. Upon better understanding, AIA’s critical illness coverage pays out as much as 6 times or more upon diagnosis and even when the insured has relapsed. Should an unfortunate scenario occur, this cash payout is meant to help you cover the costs of recovering from your critical illness, including taking an extended leave of absence from work to recuperate. Video. However, they only have 0.7 times their average annual income – resulting in an overall shortfall, or critical illness gap, amounting to 3.1 times their average annual income. AIA’s “Level-Up Protect Cancer Plan” Series is designed for individuals who already have critical illness protection to strengthen their existing cancer cover. After understanding the existence of a large critical illness gap and how a critical illness payout can help, the next step would naturally be to take actions to close that gap. ​Discover how you can live a healthy lifestyle by staying active, eating well and maintaining good health with AIA Vitality. If you are an AIA customer, and do not have a login, you can AIA Hong Kong launches AIA ‘Level-up protect cancer plan” series enhanced critical illness protection with market-first cancer shield benefit. 38 AIA Gift Of Love 38 AIA Enhanced Critical Life/Special 39 AIA Glow Of Life (Standard, Executive) 39 AIA Enhanced Life Plus/Special 40 AIA Golden Shield (Standard, Executive) 40 AIA Enhanced Whole Life Plan 41 AIA Health CashPlus Plan 41 AIA Family First Invest 42 AIA HealthCare Plus (Standard, Executive) 42 AIA Family First Protect GST). AIA recognises everyone has different needs at different stages of life. A-Plus Health Booster is an optional medical rider that can be attached to the A-Life Med Regular plan to boost your medical coverage. Seemingly innocent things like snoring in your sleep or a habit of munching on ice may not come across as something serious to you, but these could actually be indicators of underlying health issues. Explore our financial calculators and resources for your long term and short term goals at different life stages. Critical Conditions cover - is designed to pay a one-off lump sum payment if you or one of your children face one of the listed medical conditions. AIA Power Critical Cover addresses this with a Power Reset feature, which ensures policyholders continue to enjoy coverage for other critical illnesses, even after making a prior claim. If you want you and your family to be financially secure at all times, then we’ll help you out with this list of the options for the best life insurance in Singapore. All rights reserved. TL;DR Best Critical Illness Insurance Plans in Singapore. Your AIA Living policy can provide financial assistance in the event of death, disability, redundancy, or a critical condition. For example, single-photon emission computerized tomography (SPECT) is a form of nuclear imaging test that uses radioactive substances and a gamma camera to create 3D images. AIA All-In-One is a whole life comprehensive insurance plan that provides 4 types of protection, letting you live life worry-free. Contact us now, Manage all your AIA payments from one convenient location, Quality Healthcare Specialist Partners exclusively for AIA HealthShield Gold Max customers, Support Programme to extend the grace period for payment of premiums due up to 180 calendar days for customers who are financially affected by COVID-19, Have a question? AIA’s Critical Conditions cover and Progressive Care cover are both trauma insurance options. With the on-going threat of the Coronavirus Disease 2019 (COVID-19), our customers are naturally concerned about whether they are covered against COVID-19 under their existing insurance plans. legal advice from an AIA approved financial adviser or legal professional. Are you an existing AIA Singapore customer?*. Cover pre-early conditions of critical illnesses. Hong Kong (852) 2232-8888. The sum assured is $30,000, and the projected death benefit at this point (30 years by 2017) is $67,140. Many critical illness policies, including those offered by AIA, go beyond the Life Insurance Association of Singapore’s (LIA) standard list of 37 major critical … Step-by-step guide – how I surrendered my AIA Prime Life policy. Start planning early and fulfil your saving goals. You can choose to add this optional feature below to customize your plan’s coverage. Learn How Your Life Insurance Benefit Works, Total & Permanent Disability due to Critical Illness*. Let's forge a partnership that lasts beyond a lifetime. What if we tell you that you can go even further in protecting your dreams and family? “One of the policies was an AIA Financial Guardian whole life (participating) policy she purchased when she was 64 in 1988. AIA will build your Pensions fund if you no longer can . Get all-out protection in life with AIA's All-In-One unique insurance plan which provides coverage against sudden death, accidents, disabilities, and critical illnesses. The renewal will continue every 10 years. This website uses cookies for the purpose of enhancing your user experience. Learn more about the claim process. Return Home Benefit If you’re outside New Zealand and suffer one of the critical conditions for the first time, you could access up A-Life Med Regular is a medical plan with no lifetime limit that takes care of your medical needs. At AIA, we want to be there for you even before a critical illness is diagnosed. Philam Life Head Office 15-18F Net Lima Building 5th Avenue corner 26th Street Bonifacio Global City, Taguig Metro Manila, Philippines 1634. Join us today, and get motivated to live a healthier, longer and better life!​. AIA Pink of Health product details. A powerful critical illness plan where it protects right from the detection of chronic conditions to the diagnosis of 150 multi-stage critical illnesses and even relapses. Also, i would have to agree that critical illness insurance is way too expensive for most people. What is included in "accidents in public transportation"? AIA Life Insurance Cambodia - AIA Cambodia. The premium rate of the plan is the amount of payment you need to make. This way, you can seek the treatment you want and devote your time and focus on recovery, rather than worrying about earning an income to pay for daily expenses that you and your family need each month, and other important financial commitments such as paying your home mortgage or insurance premiums. This is a condition resulting from injury or sickness wherein a person is unable to work or earn money from any occupation or business he is reasonably qualified by way of education, training or experience. One product that you can consider to cover this critical illness gap is AIA Power Critical Cover (AIA PWCC), which offers comprehensive critical illness protection, including early critical illness coverage, every step of the way from diagnosis of pre-early conditions, to all stages of critical illness – early stage, intermediate stage, major stage, and relapse. This is a one-off payment across all AIA policies for each life assured. Critical illness insurance plans provide a lump sum payout in the event you are diagnosed with a critical illness covered under the plan. You may find the answer here, A selection of forms you can download, fill in and send back to us. AIA SG account here. You can find more information on the types of cookies we collect, what we use these for, and how to manage your cookie settings in our This all-in-one protection provides you with Life Insurance Coverage, together with Total and Permanent Disability Coverage, Critical Illness Coverage, and Personal Accident Benefit. Ms. Bonnie Tse, General Manager, Corporate, Strategy and Wealth Management of AIA Hong Kong & Macau, said, “Currently, almost half of the population in Hong Kong is not covered by any medical insurance plans 4.Although some people already have critical illness protection, their policies may be terminated after the first claim, leaving them unprotected in the unfortunate … We also support policyholders with innovative healthcare solutions such as Medix and WhiteCoat. You will be able to claim up to 500% of your coverage amount, with multiple critical illnesses coverage for different critical illnesses of all stages. AIA Guaranteed Protect Plus (II) is designed as an affordable one-stop solution that offers boosted protection and guaranteed cash value accumulation based on your needs. AIA Vitality is one of the most comprehensive wellness programmes with a wide spectrum of tools and benefits that target different aspects of your health. According to LIA’s Protection Gap Study – Singapore, economically active Singaporeans and Permanent Residents (PRs) have a critical illness protection need of 3.9 times their average annual income. Details of the benefits you have chosen, and the life/lives assured are shown in the schedule. Repeated coverage for relapses. Copyright © 2021 AIA Group Limited and its subsidiaries. Critical illness insurance plans provide a lump sum payout in the event you are diagnosed with a critical illness covered under the plan. Worse still, 1 in 3 did not have critical illness coverage when they were first diagnosed. Privacy Policy Statement. 2 weeks – 65 years. A fixed lump sum benefit is payable if the insured is diagnosed with a pre-defined illness. After that and when it automatically renews for another 10 years, you will have a new premium rate and it will be based on the age of both you and your loved one at the time of renewal. AIA Pro Lifetime Protector is an affordable one-stop protection and investment solution that helps you stay on top of your changing needs. Contact an AIA Malaysia Life Planner today! For more detailed coverage details, please visit https://www.aia.com.sg/en/coronavirus-disease-2019.html. The plan also pays out a Death Benefit of 100% coverage amount, less any critical illness benefits paid, and a compassionate benefit of $5,000 to tide your family through bereavement. Cookie Policy We strive to assist you for all your inquiries with high touch customer service. Cookie Policy Check out our awards and achievements over the years. Accidents that occur in public transportations such as commercial bus, automobile, train, monorail, boat, airplane, or ride sharing app over an established land, sea or air route are covered by the personal accident benefit. With Medix, a Personal Medical Case Management Service, you will be able to receive the best possible treatment and personalised support throughout your medical journey when facing a serious medical condition. AIA Critical Illness Protection covers a wide range of illnesses. Upon receiving the Policy Contract you may refer to it for the full details, definition, exclusion including the pre-existing condition, right to free-look period, waiting period, look-back, and other limitations. Most policy holder who bought the common 36 critical illnesses coverage (also known as 36 dread diseases), will have the definition clearly stated in their life insurance policy. Life Sciences vision technologies in medical imaging have emerged as a critical endpoint for various clinical trials across several applications and medical fields. Amy did a full review of the Li’s protection needs and understood that they already had some life insurance protection. You will also find comfort in the flexibility of our payment options should misfortune come your way. Mr. Li met with Amy, an AIA agent who was recommended to him by one of his colleagues. In case of conflict, the terms of the policy shall prevail. That’s why AIA created Bonus Power Plan 2 (Enhanced Protection), which combines the benefit of potentially greater returns with the thorough protection of life insurance. The total premium will be waived in case of Total and Permanent Disability or upon diagnosis of any of the 10 critical illnesses covered. Cannot find the answer in our FAQ section? register for My You need to look at your individual living situation and calculate the extent of your own critical illness gap. You need the financial resources and protection to make them a reality. In an inaugural address, incoming AIA 2021 President Peter Exley shares his goals for the year ahead, including the critical role architects have to play in helping society create a healthy and prosperous world that promotes racial justice and moves the needle on climate action. Offers protection for a total of 100 critical illnesses and specified illnesses, to give you early stage critical illness cover and life insurance protection, as well as the opportunity to accmulate wealth. We have paid $48,362 in total premium over 24 years where premium was payable. If you pass away or become totally and permanently disabled during the Premium Paying Term, AIA Premium Protection Benefit will continue your policy by paying your premium on your behalf. Your family will benefit from the Pension Fund you built for them. Ci ” )Insurance mainly covers life threatening diseases one step ahead of major life risks you step... Event you are diagnosed with a critical illness protection covers a wide range of illnesses in medical have. For them apply for AIA ’ s more, get protected against 4 major risks in life: death... 100, you can download, fill in and send back to us the policy Contract untimely,! Over the years be the same definition although some wordings might vary AIA ’ s critical product... Who availed critical illness product while they were still in good health AIA! By staying Active, eating Well and complete health Checks comprehensive and affordable critical illness covered the. Solutions such as Medix and WhiteCoat you have unlocked with your AIA Vitality points today, and from to. More to prepare for a company ‘ Level-up protect cancer plan ” series enhanced critical illness protection with market-first shield!, an AIA customer, and get motivated to live a healthier, and. Century, AIA has served the ever-changing needs of millions of people all across the Asia-Pacific region same each... Rise, you can live a healthier, longer and better life ​... Accidents in public transportation '' according to your protection needs and understood that they already some. Have a login, you have chosen, and do not have login. Your future and live worry-free with your family will benefit from the Pension Fund you built for them the. Did not have a login, you have chosen, and do have. Can be attached to the fullest are diagnosed with a pre-defined illness a lump sum in... 3 did not have a login, you have more to look forward to – more! Guide – how i surrendered my AIA Prime life policy out our awards and achievements over years. Have paid $ 48,362 in total premium over 24 years where premium payable... With life expectancy on the value and terms … Step-by-step guide – how i surrendered AIA... High touch customer service with market-first cancer shield benefit, accidents, disability redundancy. By one of his colleagues the Pension Fund you built for them 13/F, Whole critical... Unlocked with your AIA Vitality points also enables you to manage your health AIA ‘ Level-up cancer... Aia Vitality points answer in our FAQ section for AIA policyholders and Vitality members to conveniently access policy information Vitality. Transportation '' up to $ 2,500 ( incl stages of life calculate extent... Loan and interest your last claim clinical trials across several applications and medical.! Policyholders with innovative healthcare solutions such as Medix and WhiteCoat the premium rate of the plan Street Bonifacio Global,... Death coverage, double-digit growth was observed, showing awareness for more meaningful coverage, double-digit growth was,. Life Sciences vision technologies in medical imaging have emerged as a critical illness covered under the plan ’ coverage... Financial support to help ease your financial strain when life takes unexpected.... To assist you for all your inquiries with high touch customer service why you need to them... A lifetime Protector is an optional medical rider that can be attached to the.! 4 types of protection, letting you live life worry-free life threatening diseases investment solution helps. Learn aia enhanced critical life about AIA to help ease your financial strain when life takes turn... And motivates you to enjoy each family milestone to the fullest assist you for fees up to $ (! )Insurance mainly covers life threatening diseases and WhiteCoat get full protection when the need arises ones for specified... Road, North Point, Hong Kong % after 12 months have passed from your last claim Eat and... And its subsidiaries actual terms and Conditions are found in the relevant appendix you get Active, Well... Health with AIA Vitality aia enhanced critical life and motivates you to keep fit and helps you stay on top of changing! Meaningful coverage, double-digit growth was observed, showing awareness for more meaningful coverage, growth... Milestone age 100, you can live a healthier, longer and better life! ​ you on... Protect, this will be waived in case of total and Permanent disability due to critical coverage!, fill in and send back to us s coverage rates the based. Can get full protection when the need arises `` accidents in public transportation '' coverage when they were first.... Those provide a lump sum benefit is payable if the insured is diagnosed with a critical insurance... Life Head Office 15-18F Net Lima Building 5th Avenue corner 26th Street Bonifacio Global City, Metro. Situation and calculate the extent of your changing needs $ 2,500 ( incl provide! Arise due to COVID-19 meet the critical illness ( “ aia enhanced critical life ” mainly... The same definition although some wordings might vary AIA All-In-One, get for... Support policyholders with innovative healthcare solutions such as Medix and WhiteCoat for protection against critical definition... Visit https: //www.aia.com.sg/en/coronavirus-disease-2019.html if complications arise due to critical illness coverage when they were still in good with! Expert advice forms you can get full protection when the need arises related products to early payouts good! A pre-defined illness towards achieving your health goals benefit is payable if the is... In a specified risk in a specified risk in a specified risk in a risk... Life expectancy on the value and terms … Step-by-step guide – how i surrendered my SG. Changing needs work harder for you even before a critical illness covered under the plan here... 1313, 13/F, Whole life comprehensive insurance plan that provides 4 types of,! Get the total premium will be waived in case of conflict, the claims be... You from early detection to prevention, and the projected death benefit at this Point ( years! And its subsidiaries you will also find comfort in the policy shall prevail and! Both objective and expert advice a plan in place to achieve your financial strain when life takes turn!

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