Welcome to the Life Planning and Insurance section of Akbaryar, where we believe true wealth isn’t just about accumulation—it’s about protection, growth, and lasting peace of mind. In a world of uncertainty, a comprehensive life plan with the right insurance foundation is your most powerful tool for securing your family’s future and achieving your lifelong dreams.
Many view insurance as a necessary expense. We help you see it as the cornerstone of responsible financial planning. Without proper protection, even the most carefully built financial future can be vulnerable to life’s unexpected events. Together, we integrate insurance solutions into a holistic strategy that:
Protects Your Family’s Lifestyle from income loss due to premature death or disability.
Safeguards Your Assets and legacy from unforeseen liabilities and expenses.
Ensures Your Retirement Funds last as long as you do, with guaranteed income options.
Provides Tax-Efficient Wealth Transfer to the next generation.
We tailor life insurance policies to fit your unique stage of life and goals.
Term Life Insurance: Affordable, straightforward protection for specific time periods (e.g., until mortgage is paid, children are independent).
Whole Life & Universal Life Insurance: Permanent coverage with cash value accumulation, serving as both protection and a financial asset.
Key Person & Business Life Insurance: Protects your business from financial loss due to the death of a crucial owner or employee.
Your ability to earn an income is your greatest financial asset. We design plans that provide a safety net if you’re unable to work due to sickness or injury.
Individual Disability Insurance: Replaces a portion of your income.
Critical Illness Insurance: Provides a lump-sum, tax-free payout upon diagnosis of a covered condition (e.g., cancer, heart attack, stroke), giving you financial flexibility during recovery.
Plan for future health needs without depleting your life’s savings.
Long-Term Care Insurance: Helps cover the costs of assisted living, nursing home care, or in-home care, preserving your independence and legacy.
Insurance is a key tool in broader strategies.
Estate Planning: Use life insurance to create immediate liquidity for estate taxes, equalise inheritances, or leave a charitable legacy.
Retirement Planning: Utilise annuity products or permanent life insurance for tax-advantaged growth and guaranteed retirement income.
