{"id":987522455,"date":"2023-11-07T22:24:24","date_gmt":"2023-11-07T22:24:24","guid":{"rendered":"https:\/\/alphadistinction.com\/insurance\/"},"modified":"2024-10-15T19:20:04","modified_gmt":"2024-10-15T19:20:04","slug":"insurance","status":"publish","type":"page","link":"https:\/\/alphadistinction.com\/en\/insurance\/","title":{"rendered":"Insurance"},"content":{"rendered":"

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OUR INSURANCE<\/h1>\n

Personal insurance, whether for companies or individuals, is a crucial pillar of financial security in the event of unforeseen events, offering peace of mind through careful planning and coverage tailored to specific needs.<\/span><\/h3>\n

[\/et_pb_text][et_pb_button button_url=”@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjMzMjc4OSJ9fQ==@” button_text=”SET UP A MEETING” button_alignment=”center” _builder_version=”4.27.0″ _dynamic_attributes=”button_url” _module_preset=”default” custom_button=”on” button_text_size=”16px” button_text_color=”#042950″ button_bg_color=”#FFFFFF” button_border_width=”0px” button_border_radius=”15px” button_font=”Mulish|700|||||||” button_icon=”=||divi||400″ custom_padding=”12px|42px|12px|42px|true|true” locked=”off” global_colors_info=”{}” button_bg_color__hover_enabled=”on|desktop” button_bg_color__hover=”#e8e8e8″ button_bg_enable_color__hover=”on” button_text_color__hover_enabled=”on|hover” button_text_color__hover=”#042950″][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|desktop” disabled_on=”on|on|off” admin_label=”Header” _builder_version=”4.27.0″ use_background_color_gradient=”on” background_color_gradient_type=”circular” background_color_gradient_direction_radial=”top left” background_color_gradient_stops=”rgba(0,39,91,0.75) 19%|rgba(0,56,94,0) 100%” background_color_gradient_overlays_image=”on” background_color_gradient_start=”rgba(0,39,91,0.75)” background_color_gradient_start_position=”19%” background_color_gradient_end=”rgba(0,56,94,0)” background_image=”https:\/\/alphadistinction.com\/wp-content\/uploads\/2023\/11\/funeral-home-image-18.jpg” custom_padding=”10vh|0|20vh||false|false” custom_padding_tablet=”10vh||10vh||false” custom_padding_phone=”5vh||5vh||false” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.23″ width=”50%” max_width=”1280px” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.23″ _module_preset=”default” text_font=”Mulish||||||||” header_font=”Varela|700|||||||” header_text_color=”#FFFFFF” header_font_size=”45px” header_line_height=”1.2em” header_2_font=”Abhaya Libre|700|||||||” header_2_text_color=”#FFFFFF” header_2_font_size=”44px” header_2_line_height=”1.2em” header_3_font=”Varela||||||||” header_3_text_color=”#FFFFFF” header_3_font_size=”25px” header_3_line_height=”1.2em” width=”100%” module_alignment=”center” header_2_font_size_tablet=”44px” header_2_font_size_phone=”26px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n

OUR INSURANCE<\/h1>\n

Personal insurance, whether for companies or individuals, is a crucial pillar of financial security in the event of unforeseen events, offering peace of mind through careful planning and coverage tailored to specific needs.<\/span><\/h3>\n

[\/et_pb_text][et_pb_button button_url=”@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjMzMjc4OSJ9fQ==@” button_text=”SET UP A MEETING” button_alignment=”left” _builder_version=”4.23″ _dynamic_attributes=”button_url” _module_preset=”default” custom_button=”on” button_text_size=”20px” button_text_color=”#042950″ button_bg_color=”#FFFFFF” button_border_width=”0px” button_border_radius=”15px” button_font=”Mulish|700|||||||” button_icon=”=||divi||400″ custom_padding=”12px|42px|12px|42px|true|true” locked=”off” global_colors_info=”{}” button_bg_color__hover_enabled=”on|desktop” button_bg_color__hover=”#e8e8e8″ button_bg_enable_color__hover=”on” button_text_color__hover_enabled=”on|hover” button_text_color__hover=”#042950″][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Services” _builder_version=”4.27.0″ da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_5,3_5,1_5″ _builder_version=”4.16″ custom_padding=”27px|0px|0|0px|false|false” global_colors_info=”{}”][et_pb_column type=”1_5″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_divider color=”rgba(0,0,0,0.08)” divider_position=”bottom” divider_weight=”2px” _builder_version=”4.23″ animation_style=”slide” animation_direction=”right” locked=”off” global_colors_info=”{}”][\/et_pb_divider][\/et_pb_column][et_pb_column type=”3_5″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.23″ _module_preset=”default” header_2_font=”Varela|600|||||||” header_2_text_align=”center” header_2_text_color=”#333333″ header_2_font_size=”40px” header_2_line_height=”44px” width=”100%” module_alignment=”center” custom_margin=”||0px||false|false” header_2_font_size_tablet=”34px” header_2_font_size_phone=”28px” header_2_font_size_last_edited=”on|tablet” header_2_line_height_tablet=”40px” header_2_line_height_phone=”36px” header_2_line_height_last_edited=”on|tablet” locked=”off” global_colors_info=”{}”]<\/p>\n

Several types of insurance covering staff
or the company <\/strong><\/h2>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_5″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_divider color=”rgba(0,0,0,0.08)” divider_position=”bottom” divider_weight=”2px” disabled_on=”on|on|off” _builder_version=”4.16″ animation_style=”slide” animation_direction=”left” locked=”off” global_colors_info=”{}”][\/et_pb_divider][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_5,1_5,1_5,1_5,1_5″ use_custom_gutter=”on” gutter_width=”2″ _builder_version=”4.16″ max_width=”1400px” custom_padding=”0|0px|27px|0px|false|false” use_custom_width=”on” custom_width_px=”1400px” global_colors_info=”{}”][et_pb_column type=”1_5″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_blurb title=”Critical illness insurance” use_icon=”on” font_icon=”||fa||900″ image_icon_width=”80px” _builder_version=”4.23″ header_font=”Varela|700|||||||” header_font_size=”20px” 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global_colors_info=”{}”][\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ disabled_on=”on|on|off” _builder_version=”4.27.0″ _module_preset=”default” background_color=”#f7f7f7″ da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.23″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.23″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.23″ _module_preset=”default” text_font=”Mulish||||||||” text_font_size=”16px” global_colors_info=”{}”]<\/p>\n

Life and health insurance plays a crucial role in the financial protection of both companies and individuals.
\nIt aims to provide financial security in the event of unexpected events such as death, illness, disability and job loss.
\nPersonal insurance strategies for both companies and individuals need to be carefully designed to ensure that the specific needs of each are taken into account. <\/p>\n

For companies, life and health insurance is of great importance.
\nFirstly, turnkey life insurance covers companies in the event of the death of a key employee, offering compensation that can help offset lost income or cover the costs of recruiting and training a replacement.
\nSimilarly, key employee disability insurance ensures the company’s financial protection in the event of the key employee’s inability to continue working. <\/p>\n

In addition, companies can take out disability insurance to provide benefits in the event of employees being unable to work due to illness or accident.
\nThis insurance is essential for maintaining the company’s financial stability and ensuring the financial security of employees in difficult times. <\/p>\n

For individuals, life insurance is a pillar of personal financial planning.
\nIt provides financial protection for the family in the event of the insured’s premature death, offering benefits to designated beneficiaries that can help cover funeral costs, debts, living expenses, and guarantee the family’s financial well-being in difficult times. <\/p>\n

Similarly, life insurance offers a savings and investment component that accumulates a cash value that can be used in the future to finance personal projects, build up an emergency fund or supplement retirement.<\/p>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.23″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/alphadistinction.com\/wp-content\/uploads\/2023\/11\/mature-couple-looking-tablet.png” title_text=”mature-couple-looking-tablet” _builder_version=”4.23″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.23″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.23″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/alphadistinction.com\/wp-content\/uploads\/2023\/11\/cute-stylish-family-playing-autumn-field.png” title_text=”cute-stylish-family-playing-autumn-field” _builder_version=”4.23″ _module_preset=”default” filter_saturate=”75%” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.23″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.23″ _module_preset=”default” text_font=”Mulish||||||||” text_font_size=”16px” global_colors_info=”{}”]<\/p>\n

Disability insurance for individuals is essential to provide a source of income in the event of inability to work due to an illness or accident that prevents the insured person from supporting him\/herself or his\/her family.
\nThis insurance offers crucial financial protection to mitigate the financial consequences of a period of disability. <\/p>\n

In addition, personal health insurance is another important aspect of personal financial protection.
\nHealth insurance provides coverage for healthcare-related expenses, including doctor’s consultations, medication, hospital treatment and specialized medical care. <\/p>\n

It is crucial to note that life and health insurance for businesses and individuals requires a careful assessment of specific needs in order to select the right products and coverage amounts.
\nCompanies and individuals need to consider their financial situation, family commitments, financial objectives and risks to determine the right insurance products. <\/p>\n

It is also essential to regularly review insurance contracts to assess whether they are still suitable for current needs, and whether they need to be modified to take account of changes in financial or life circumstances.<\/p>\n

In conclusion, life and health insurance is a fundamental part of financial planning for businesses and individuals.
\nIt offers crucial financial protection in the event of unforeseen events, and is an essential tool for improving financial security and ensuring peace of mind.
\nCareful consideration of insurance needs, products and options is required to ensure adequate and tailored coverage for all stakeholders. <\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ disabled_on=”off|off|on” _builder_version=”4.27.0″ _module_preset=”default” background_color=”#f7f7f7″ da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.23″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.23″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/alphadistinction.com\/wp-content\/uploads\/2023\/11\/mature-couple-looking-tablet.png” title_text=”mature-couple-looking-tablet” _builder_version=”4.23″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][et_pb_text _builder_version=”4.23″ _module_preset=”default” text_font=”Mulish||||||||” text_font_size=”16px” global_colors_info=”{}”]<\/p>\n

Life and health insurance plays a crucial role in the financial protection of both companies and individuals.
\nIt aims to provide financial security in the event of unexpected events such as death, illness, disability and job loss.
\nPersonal insurance strategies for both companies and individuals need to be carefully designed to ensure that the specific needs of each are taken into account. <\/p>\n

For companies, life and health insurance is of great importance.
\nFirstly, turnkey life insurance covers companies in the event of the death of a key employee, offering compensation that can help offset lost income or cover the costs of recruiting and training a replacement.
\nSimilarly, key employee disability insurance ensures the company’s financial protection in the event of the key employee’s inability to continue working. <\/p>\n

In addition, companies can take out disability insurance to provide benefits in the event of employees being unable to work due to illness or accident.
\nThis insurance is essential for maintaining the company’s financial stability and ensuring the financial security of employees in difficult times. <\/p>\n

For individuals, life insurance is a pillar of personal financial planning.
\nIt provides financial protection for the family in the event of the insured’s premature death, offering benefits to designated beneficiaries that can help cover funeral costs, debts, living expenses, and guarantee the family’s financial well-being in difficult times. <\/p>\n

Similarly, life insurance offers a savings and investment component that accumulates a cash value that can be used in the future to finance personal projects, build up an emergency fund or supplement retirement.<\/p>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.23″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.23″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.23″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/alphadistinction.com\/wp-content\/uploads\/2023\/11\/cute-stylish-family-playing-autumn-field.png” title_text=”cute-stylish-family-playing-autumn-field” _builder_version=”4.23″ _module_preset=”default” filter_saturate=”75%” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.23″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.23″ _module_preset=”default” text_font=”Mulish||||||||” text_font_size=”16px” global_colors_info=”{}”]<\/p>\n

Disability insurance for individuals is essential to provide a source of income in the event of inability to work due to an illness or accident that prevents the insured person from supporting him\/herself or his\/her family.
\nThis insurance offers crucial financial protection to mitigate the financial consequences of a period of disability. <\/p>\n

In addition, personal health insurance is another important aspect of personal financial protection.
\nHealth insurance provides coverage for healthcare-related expenses, including doctor’s consultations, medication, hospital treatment and specialized medical care. <\/p>\n

It is crucial to note that life and health insurance for businesses and individuals requires a careful assessment of specific needs in order to select the right products and coverage amounts.
\nCompanies and individuals need to consider their financial situation, family commitments, financial objectives and risks to determine the right insurance products. <\/p>\n

It is also essential to regularly review insurance contracts to assess whether they are still suitable for current needs, and whether they need to be modified to take account of changes in financial or life circumstances.<\/p>\n

In conclusion, life and health insurance is a fundamental part of financial planning for businesses and individuals.
\nIt offers crucial financial protection in the event of unforeseen events, and is an essential tool for improving financial security and ensuring peace of mind.
\nCareful consideration of insurance needs, products and options is required to ensure adequate and tailored coverage for all stakeholders. <\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ disabled_on=”off|off|on” admin_label=”Testimonial” _builder_version=”4.27.0″ _module_preset=”default” da_disable_devices=”off|off|off” locked=”off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” gutter_width=”4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/alphadistinction.com\/wp-content\/uploads\/2023\/11\/alpha@33.33x.png” title_text=”alpha@33.33x” _builder_version=”4.23″ _module_preset=”default” background_image=”https:\/\/ishtiaq.sandbox.etdevs.com\/corporate\/wp-content\/uploads\/sites\/37\/2021\/12\/Rectangle_22.jpeg” parallax=”on” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”http:\/\/ishtiaq.sandbox.etdevs.com\/corporate\/wp-content\/uploads\/sites\/37\/2021\/12\/corporate_08.png” title_text=”corporate_08″ _builder_version=”4.23″ _module_preset=”default” max_width=”140px” max_width_tablet=”70px” max_width_phone=”35px” max_width_last_edited=”on|phone” filter_hue_rotate=”129deg” filter_saturate=”200%” global_colors_info=”{}”][\/et_pb_image][et_pb_text _builder_version=”4.27.0″ _module_preset=”003e9429-8e11-4d9e-968b-8881092bbf81″ header_2_font=”Outfit|600|||||||” header_2_text_color=”#000000″ header_2_font_size=”48px” header_2_line_height=”1.1em” header_3_font=”Varela|700|||||||” header_3_font_size=”18px” header_3_line_height=”1.6em” custom_margin=”||0px||false|false” header_2_font_size_tablet=”32px” header_2_font_size_phone=”20px” header_2_font_size_last_edited=”on|desktop” header_2_line_height_tablet=”1.2em” header_2_line_height_phone=”” header_2_line_height_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n

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Personal insurance, for both companies and individuals, provides crucial financial protection in the event of unforeseen events, offering peace of mind and security, requiring careful assessment of specific needs to select the right coverage.<\/h3>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n
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Personal insurance, for both companies and individuals, provides crucial financial protection in the event of unforeseen events, offering peace of mind and security, requiring careful assessment of specific needs to select the right coverage.<\/h3>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n
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[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ use_custom_gutter=”on” gutter_width=”1″ specialty=”on” background_color_2=”#042950″ bg_img_2=”https:\/\/alphadistinction.com\/wp-content\/uploads\/2023\/10\/Accountant-Image-39.png” padding_top_2=”60px” padding_right_1=”60px” padding_right_2=”6%” padding_bottom_1=”60px” padding_bottom_2=”60px” padding_left_1=”10%” padding_left_2=”6%” padding_top_bottom_link_2=”true” padding_left_right_link_2=”true” padding_1_tablet=”|6%||6%” padding_2_tablet=”|||||true” padding_1_phone=”” padding_2_phone=”” padding_1_last_edited=”on|phone” padding_2_last_edited=”on|tablet” admin_label=”What We Do” module_class=” et_pb_specialty_fullwidth” _builder_version=”4.23″ background_color=”#f7f7f7″ inner_width=”100%” inner_width_tablet=”100%” inner_width_phone=”100%” inner_width_last_edited=”on|desktop” inner_max_width=”100%” inner_max_width_tablet=”100%” inner_max_width_phone=”100%” inner_max_width_last_edited=”on|desktop” custom_padding=”48px|0px|54px|0px|false|false” da_disable_devices=”off|off|off” make_fullwidth=”on” locked=”off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” padding_tablet=”|6%||6%” padding_last_edited=”on|phone” custom_padding__hover=”|||” padding_phone=”|6%||6%”][et_pb_text _builder_version=”4.22.2″ _module_preset=”default” text_font=”Mulish||||||||” header_2_font=”Varela|700|||||||” header_2_text_color=”#333333″ header_2_font_size=”42px” header_2_line_height=”1.2em” custom_margin=”||0px||false|false” animation_style=”slide” animation_direction=”left” header_2_font_size_tablet=”42px” header_2_font_size_phone=”26px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n

Term life insurance<\/h2>\n

[\/et_pb_text][et_pb_text _builder_version=”4.17.4″ _module_preset=”default” text_font=”Mulish||||||||” text_text_color=”#000000″ text_font_size=”16px” text_line_height=”1.9em” custom_margin=”||20px||false|false” animation_style=”slide” animation_direction=”left” text_font_size_tablet=”16px” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n

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It’s less expensive and protects the insured person over a time horizon established at the time of purchase.
\nFor example, in terms of years: 10, 15, 20, 25, 30, 35 and 65 years. <\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

[\/et_pb_text][et_pb_blurb title=”Short-term financial protection” use_icon=”on” font_icon=”||fa||900″ icon_color=”#062369″ icon_placement=”left” image_icon_width=”20px” _builder_version=”4.23″ _module_preset=”0566aa71-c5ae-4cda-b981-ad48b1749e34″ header_font=”Mulish||||||||” header_text_color=”#000000″ header_font_size=”16px” custom_margin=”||10px||false|false” animation_style=”slide” animation_direction=”left” locked=”off” global_colors_info=”{}”][\/et_pb_blurb][et_pb_blurb title=”Affordable premiums” use_icon=”on” font_icon=”||fa||900″ icon_color=”#062369″ icon_placement=”left” image_icon_width=”20px” _builder_version=”4.23″ _module_preset=”0566aa71-c5ae-4cda-b981-ad48b1749e34″ header_font=”Mulish||||||||” header_text_color=”#000000″ header_font_size=”16px” custom_margin=”||10px||false|false” animation_style=”slide” animation_direction=”left” locked=”off” global_colors_info=”{}”][\/et_pb_blurb][et_pb_blurb title=”Flexible duration” use_icon=”on” font_icon=”||fa||900″ icon_color=”#062369″ icon_placement=”left” image_icon_width=”20px” _builder_version=”4.23″ _module_preset=”0566aa71-c5ae-4cda-b981-ad48b1749e34″ header_font=”Mulish||||||||” header_text_color=”#000000″ header_font_size=”16px” custom_margin=”||10px||false|false” animation_style=”slide” animation_direction=”left” locked=”off” global_colors_info=”{}”][\/et_pb_blurb][et_pb_blurb title=”Using the policy as collateral for a loan” use_icon=”on” font_icon=”||fa||900″ icon_color=”#062369″ icon_placement=”left” image_icon_width=”20px” _builder_version=”4.23″ _module_preset=”0566aa71-c5ae-4cda-b981-ad48b1749e34″ header_font=”Mulish||||||||” header_text_color=”#000000″ header_font_size=”16px” custom_margin=”||10px||false|false” animation_style=”slide” animation_direction=”left” locked=”off” global_colors_info=”{}”][\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_2″ specialty_columns=”2″ _builder_version=”4.16″ background_color=”#4e7c97″ custom_padding=”|||” global_colors_info=”{}” padding_tablet=”|||||true” padding_last_edited=”on|tablet” custom_padding__hover=”|||” padding_phone=”|||||true”][et_pb_row_inner _builder_version=”4.23″ custom_margin=”0px||||false|false” custom_padding=”0px|0px|0|0px|false|false” global_colors_info=”{}”][et_pb_column_inner saved_specialty_column_type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.23″ _module_preset=”default” text_font=”Mulish||||||||” header_2_font=”Varela|700|||||||” header_2_text_color=”#FFFFFF” header_2_font_size=”42px” header_2_line_height=”1.2em” custom_margin=”||0px||false|false” animation_style=”slide” animation_direction=”left” header_2_font_size_tablet=”42px” header_2_font_size_phone=”26px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n

Permanent life insurance<\/h2>\n

[\/et_pb_text][et_pb_text _builder_version=”4.23″ _module_preset=”default” text_font=”Mulish||||||||” text_text_color=”#FFFFFF” text_font_size=”16px” text_line_height=”1.9em” custom_margin=”||20px||false|false” animation_style=”slide” animation_direction=”left” text_font_size_tablet=”16px” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n

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More expensive, offering additional benefits.
\nDesigned for long-term holding until death.
\nIt is divided into 3 types: term, 100-year, universal life and whole life. <\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

[\/et_pb_text][et_pb_blurb title=”Lifetime protection” use_icon=”on” font_icon=”||fa||900″ icon_color=”#FFFFFF” icon_placement=”left” image_icon_width=”20px” _builder_version=”4.23″ _module_preset=”0566aa71-c5ae-4cda-b981-ad48b1749e34″ header_font=”Mulish||||||||” header_text_color=”#FFFFFF” header_font_size=”16px” custom_margin=”||10px||false|false” animation_style=”slide” animation_direction=”left” locked=”off” global_colors_info=”{}”][\/et_pb_blurb][et_pb_blurb title=”Cash value ” use_icon=”on” font_icon=”||fa||900″ icon_color=”#FFFFFF” icon_placement=”left” image_icon_width=”20px” _builder_version=”4.23″ _module_preset=”0566aa71-c5ae-4cda-b981-ad48b1749e34″ header_font=”Mulish||||||||” header_text_color=”#FFFFFF” header_font_size=”16px” custom_margin=”||10px||false|false” animation_style=”slide” animation_direction=”left” locked=”off” global_colors_info=”{}”][\/et_pb_blurb][et_pb_blurb title=”Stable premiums” use_icon=”on” font_icon=”||fa||900″ icon_color=”#FFFFFF” icon_placement=”left” image_icon_width=”20px” _builder_version=”4.23″ _module_preset=”0566aa71-c5ae-4cda-b981-ad48b1749e34″ header_font=”Mulish||||||||” header_text_color=”#FFFFFF” header_font_size=”16px” custom_margin=”||10px||false|false” animation_style=”slide” animation_direction=”left” locked=”off” global_colors_info=”{}”][\/et_pb_blurb][et_pb_blurb title=”Tax benefits” use_icon=”on” font_icon=”||fa||900″ icon_color=”#FFFFFF” icon_placement=”left” image_icon_width=”20px” _builder_version=”4.23″ _module_preset=”0566aa71-c5ae-4cda-b981-ad48b1749e34″ header_font=”Mulish||||||||” header_text_color=”#FFFFFF” header_font_size=”16px” custom_margin=”||10px||false|false” animation_style=”slide” animation_direction=”left” locked=”off” global_colors_info=”{}”][\/et_pb_blurb][\/et_pb_column_inner][\/et_pb_row_inner][\/et_pb_column][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”FAQ” _builder_version=”4.16″ da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_5,3_5,1_5″ _builder_version=”4.16″ custom_padding=”27px|0px|0|0px|false|false” locked=”off” global_colors_info=”{}”][et_pb_column type=”1_5″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_divider color=”rgba(0,0,0,0.08)” divider_position=”bottom” divider_weight=”2px” _builder_version=”4.16″ animation_style=”slide” animation_direction=”right” locked=”off” global_colors_info=”{}”][\/et_pb_divider][\/et_pb_column][et_pb_column type=”3_5″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.23″ text_font=”||||||||” text_font_size=”16px” header_font=”||||||||” header_2_font=”Varela||||||||” header_2_font_size=”35px” header_2_line_height=”1.4em” text_orientation=”center” max_width=”600px” module_alignment=”center” header_2_font_size_tablet=”30px” header_2_font_size_phone=”25px” header_2_font_size_last_edited=”on|desktop” global_colors_info=”{}”]<\/p>\n

Company | Staff<\/h2>\n

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For businesses, asset protection is just as crucial.
\nBusinesses often own significant assets, such as real estate, equipment, inventory and so on.
\nPersonal insurance strategies for businesses aim to protect these assets against the risk of death of a key person in the company.
\nLife or disability insurance can cover losses related to these assets, enabling the company to recover quickly and continue operations without major disruption. <\/p>\n

In addition, employee insurance, such as group health or disability insurance, ensures that employees are taken care of in the event of illness or disability that prevents them from working.
\nThis is essential to maintain the company’s financial stability and ensure the well-being of its employees. <\/p>\n

Managing the risks associated with protecting corporate assets requires a careful assessment of the company’s specific needs.
\nVarious insurance strategies are available to meet these needs. <\/p>\n

An important strategy is personal insurance for executives and key employees.
\nThis can include executive life or disability insurance, which provides financial protection in the event of the death or disability of a key executive, ensuring the continuity of the business.
\nSimilarly, life or disability insurance for key employees is essential to protect against losses caused by the unavailability of an employee who is crucial to the company. <\/p>\n

[\/et_pb_text][et_pb_text _builder_version=”4.23″ text_font=”||||||||” header_font=”||||||||” header_4_font=”Varela|700|||||||” header_4_line_height=”1.8em” custom_margin=”||0px|” global_colors_info=”{}”]<\/p>\n

LIFE INSURANCE<\/h4>\n

[\/et_pb_text][et_pb_accordion icon_color=”#000000″ use_icon_font_size=”on” icon_font_size=”28px” module_class=”dp_accordion_style23″ _builder_version=”4.23″ _module_preset=”default” body_font=”Mulish||||||||” background_enable_color=”off” custom_css_toggle_icon=”display:block;||right: 20px;||content:’%9233′;||font-weight:600;” border_width_all=”0px” global_colors_info=”{}”][et_pb_accordion_item title=”blank” open=”on” _builder_version=”4.23″ _module_preset=”default” custom_css_main_element=”display: none;” global_colors_info=”{}”][\/et_pb_accordion_item][et_pb_accordion_item title=”DEATH TAXES AND EQUITY” open_toggle_text_color=”#ffffff” open_toggle_background_color=”#042950″ closed_toggle_text_color=”#FFFFFF” _builder_version=”4.23″ _module_preset=”default” body_font=”Mulish||||||||” body_text_align=”left” body_text_color=”#7a7a7a” body_font_size=”16px” background_color=”#042950″ background_enable_color=”on” custom_margin=”||20px||false|false” custom_padding=”21px||||false|false” custom_css_toggle_title=” padding: 30px;” custom_css_toggle_icon=”color: white;” custom_css_toggle_content=”padding: 30px;||border: 1px solid #f2f7ff;|| border-top: 0;|| border-radius: 10px;||background-color:#fff!important;” border_radii=”on|10px|10px|10px|10px” border_width_all=”0px” global_colors_info=”{}” toggle_text_color=”#042950″ toggle_font=”Varela|700|||||||” toggle_text_align=”left” toggle_font_size=”16px” open=”off”]<\/p>\n

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Paying taxes is unavoidable during our lifetime, but it can also have an impact on our estate after death.
\nFamily businesses often hold their assets in the form of company shares.
\nAfter death, these shares are bequeathed to those who run or manage the business, leaving other assets to be distributed among non-active family members.
\nCorporate life insurance becomes essential at this stage.
\nAfter death, a deemed disposition of the shares entails capital gains taxes, sometimes difficult to pay with the company’s liquid assets.
\nCorporate life insurance can serve as an effective means of financing the tax, ensuring an equitable distribution of wealth to beneficiaries via capital dividends. <\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

[\/et_pb_accordion_item][et_pb_accordion_item title=”BUY-SELL AGREEMENT” open_toggle_text_color=”#ffffff” open_toggle_background_color=”#042950″ closed_toggle_text_color=”#FFFFFF” _builder_version=”4.23″ _module_preset=”default” body_font=”Mulish||||||||” body_text_align=”left” body_text_color=”#7a7a7a” body_font_size=”16px” background_color=”#042950″ background_enable_color=”on” custom_margin=”||20px||false|false” custom_padding=”21px||||false|false” custom_css_toggle_title=” padding: 30px;” custom_css_toggle_icon=”color: white;” custom_css_toggle_content=”padding: 30px;||border: 1px solid #f2f7ff;|| border-top: 0;|| border-radius: 10px;||background-color:#fff!important;” border_radii=”on|10px|10px|10px|10px” border_width_all=”0px” global_colors_info=”{}” toggle_text_color=”#042950″ toggle_font=”Varela|700|||||||” toggle_text_align=”left” toggle_font_size=”16px” open=”off”]<\/p>\n

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The buy-sell agreement is essential in private companies with several shareholders.
\nIt sets out terms and conditions, including how shares are to be distributed in the event of a shareholder’s death.
\nCompany-owned life insurance plays a crucial role in financing the redemption of the deceased’s shares, ensuring equitable distribution among shareholders and respecting the deceased’s wishes.
\nThis prevents the deceased’s family members from becoming shareholders without any expertise in the company.
\nLife insurance proceeds can also be used to finance the purchase of shares by surviving shareholders via capital dividends.
\nCareful planning with a tax lawyer is essential to avoid future conflicts. <\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

[\/et_pb_accordion_item][et_pb_accordion_item title=”KEY PERSON PROTECTION” open_toggle_text_color=”#ffffff” open_toggle_background_color=”#042950″ closed_toggle_text_color=”#FFFFFF” _builder_version=”4.23″ _module_preset=”default” body_font=”Mulish||||||||” body_text_align=”left” body_text_color=”#7a7a7a” body_font_size=”16px” background_color=”#042950″ background_enable_color=”on” custom_margin=”||20px||false|false” custom_padding=”21px||||false|false” custom_css_toggle_title=” padding: 30px;” custom_css_toggle_icon=”color: white;” custom_css_toggle_content=”padding: 30px;||border: 1px solid #f2f7ff;|| border-top: 0;|| border-radius: 10px;||background-color:#fff!important;” border_radii=”on|10px|10px|10px|10px” border_width_all=”0px” global_colors_info=”{}” toggle_text_color=”#042950″ toggle_font=”Varela|700|||||||” toggle_text_align=”left” toggle_font_size=”16px” open=”off”]<\/p>\n

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In business, death can occur at any time, creating financial and operational challenges.
\nShareholder partnerships require protection in the event of the death of a key player.
\nThe loss of a key person disrupts the business, creating financial pressures and making replacement difficult, resulting in lower profitability.
\nLife insurance offers an essential solution by providing the liquidity needed to maintain ongoing operations, thus avoiding major disruption.
\nWorking capital remains available, and liquidity can also help train a replacement for the key person, ensuring business continuity.
\nThis is vital protection for businesses. <\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

[\/et_pb_accordion_item][et_pb_accordion_item title=”LOAN PROTECTION” open_toggle_text_color=”#ffffff” open_toggle_background_color=”#042950″ closed_toggle_text_color=”#FFFFFF” _builder_version=”4.23″ _module_preset=”default” body_font=”Mulish||||||||” body_text_align=”left” body_text_color=”#7a7a7a” body_font_size=”16px” background_color=”#042950″ background_enable_color=”on” custom_margin=”||20px||false|false” custom_padding=”21px||||false|false” custom_css_toggle_title=” padding: 30px;” custom_css_toggle_icon=”color: white;” custom_css_toggle_content=”padding: 30px;||border: 1px solid #f2f7ff;|| border-top: 0;|| border-radius: 10px;||background-color:#fff!important;” border_radii=”on|10px|10px|10px|10px” border_width_all=”0px” global_colors_info=”{}” toggle_text_color=”#042950″ toggle_font=”Varela|700|||||||” toggle_text_align=”left” toggle_font_size=”16px” open=”off”]<\/p>\n

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It is not uncommon in smaller companies for lending banks to require the shareholder to personally guarantee the loan.
\nIn other words, the individual must guarantee the loan with his or her personal assets.
\nThis becomes a disadvantage in the event of company mismanagement.
\nHowever, it is also a disadvantage in the event of death, as the estate will be liable for the company’s debts.
\nIf the estate is unable to repay the outstanding debts, it may find itself in a position where it has no choice but to refuse the succession.
\nWhat’s more, life insurance is sometimes required by lenders, and can improve a company’s borrowing capacity.
\nThat’s why it’s a good idea to have life insurance in the company. <\/div>\n<\/div>\n
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<\/i>Investment vehicle<\/div>\n<\/div>\n
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[\/et_pb_accordion_item][et_pb_accordion_item title=”INVESTMENT VEHICLE” open_toggle_text_color=”#ffffff” open_toggle_background_color=”#042950″ closed_toggle_text_color=”#FFFFFF” _builder_version=”4.23″ _module_preset=”default” body_font=”Mulish||||||||” body_text_align=”left” body_text_color=”#7a7a7a” body_font_size=”16px” background_color=”#042950″ background_enable_color=”on” custom_margin=”||20px||false|false” custom_padding=”21px||||false|false” custom_css_toggle_title=” padding: 30px;” custom_css_toggle_icon=”color: white;” custom_css_toggle_content=”padding: 30px;||border: 1px solid #f2f7ff;|| border-top: 0;|| border-radius: 10px;||background-color:#fff!important;” border_radii=”on|10px|10px|10px|10px” border_width_all=”0px” global_colors_info=”{}” toggle_text_color=”#042950″ toggle_font=”Varela|700|||||||” toggle_text_align=”left” toggle_font_size=”16px” open=”off”]<\/p>\n

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Universal life and whole life insurance both allow you to contribute additional funds to an investment vehicle. When you pay your insurance premium, part of it is used for protection and part for investment purposes. The funds invested can grow tax-free, providing a tax advantage and increasing the value of the insurance policy over time. Permanent life insurance is a complex product, and the details vary from policy to policy. That’s why it’s important to talk to someone qualified in personal insurance to fully understand the product before underwriting.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

[\/et_pb_accordion_item][et_pb_accordion_item title=”CONTENTS” open_toggle_text_color=”#ffffff” open_toggle_background_color=”#042950″ closed_toggle_text_color=”#FFFFFF” _builder_version=”4.23″ _module_preset=”default” body_font=”Mulish||||||||” body_text_align=”left” body_text_color=”#7a7a7a” body_font_size=”16px” background_color=”#042950″ background_enable_color=”on” custom_margin=”||20px||false|false” custom_padding=”21px||||false|false” custom_css_toggle_title=” padding: 30px;” custom_css_toggle_icon=”color: white;” custom_css_toggle_content=”padding: 30px;||border: 1px solid #f2f7ff;|| border-top: 0;|| border-radius: 10px;||background-color:#fff!important;” border_radii=”on|10px|10px|10px|10px” border_width_all=”0px” global_colors_info=”{}” toggle_text_color=”#042950″ toggle_font=”Varela|700|||||||” toggle_text_align=”left” toggle_font_size=”16px” open=”off”]<\/p>\n

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As we’ve shown, corporate-owned life insurance offers multiple advantages.
\nThis protection offers the possibility of perhaps better managing operational, tax and legal risks, as well as other additional complexities.
\nHowever, it is strongly recommended that you call on advisors with the appropriate expertise for this type of case.
\nNormally, insurance, accounting, tax, legal and management issues are involved, so a team effort involving several professionals is desirable.
\nThe insurance policy must be placed with the right company.
\nSo it’s a question of planning, compliance and administration.
\nThat’s why our team helps coordinate this financial ecosystem with our integrated financial planning. <\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

[\/et_pb_accordion_item][\/et_pb_accordion][et_pb_text _builder_version=”4.23″ text_font=”||||||||” header_font=”||||||||” header_4_font=”Varela|700|||||||” header_4_line_height=”1.8em” custom_margin=”||0px|” global_colors_info=”{}”]<\/p>\n

CRITICAL ILLNESS INSURANCE<\/h4>\n

[\/et_pb_text][et_pb_accordion icon_color=”#000000″ use_icon_font_size=”on” icon_font_size=”28px” module_class=”dp_accordion_style23″ _builder_version=”4.23″ _module_preset=”default” body_font=”Mulish||||||||” background_enable_color=”off” custom_css_toggle_icon=”display:block;||right: 20px;||content:’%9233′;||font-weight:600;||” border_width_all=”0px” global_colors_info=”{}”][et_pb_accordion_item title=”blank” open=”on” _builder_version=”4.23″ _module_preset=”default” custom_css_main_element=”display: none;” global_colors_info=”{}”][\/et_pb_accordion_item][et_pb_accordion_item title=”KEY PERSON PROTECTION” open_toggle_text_color=”#ffffff” open_toggle_background_color=”#042950″ closed_toggle_text_color=”#FFFFFF” _builder_version=”4.23″ _module_preset=”default” body_font=”Mulish||||||||” body_text_align=”left” body_text_color=”#7a7a7a” body_font_size=”16px” background_color=”#042950″ background_enable_color=”on” custom_margin=”||20px||false|false” custom_padding=”21px||||false|false” custom_css_toggle_title=” padding: 30px;” custom_css_toggle_icon=”color: white;” custom_css_toggle_content=”padding: 30px;||border: 1px solid #f2f7ff;|| border-top: 0;|| border-radius: 10px;||background-color:#fff!important;” border_radii=”on|10px|10px|10px|10px” border_width_all=”0px” global_colors_info=”{}” toggle_text_color=”#042950″ toggle_font=”Varela|700|||||||” toggle_text_align=”left” toggle_font_size=”16px” open=”off”]<\/p>\n

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You never know when a serious illness might strike.
\nSometimes the illness is to some extent predictable, and other times it’s unexpected.
\nUsually, people in business don’t like to leave things to chance and try to manage the risk as best they can.
\nWhen a partnership exists between several shareholders, it is necessary to protect each other in the event of death, but also in the event of illness of one of the shareholders.
\nWe could say that this is protection for one or more key people in the company.
\nNormally, when the illness of a key person takes shape, this upsets people, but also creates financial pressures on the company in many ways.
\nSometimes, this person is no longer able to work for the company while he or she heals.
\nIn addition to making the company’s financial situation more unstable for some time, it is often very difficult to replace the key person and his or her expertise that was necessary to the business.
\nReplacement can take months or years.
\nOnce the person with the desired potential has been found, there is a time lag before he or she equals or surpasses the level of the former shareholder.
\nDuring this period, profitability and performance are impacted.
\nThis is why critical illness insurance becomes one of the ways of protecting oneself in the event of such an unfortunate situation.
\nBy offering liquidity, the insurance product enables the sufferer to take the best possible care.
\nIf an additional amount has been set aside, this allows operations to continue, as working capital remains available.
\nFinally, the liquidity can also be used to train the new person replacing the key person. <\/div>\n<\/div>\n
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<\/i>Loan protection<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

[\/et_pb_accordion_item][et_pb_accordion_item title=”LOAN PROTECTION” open_toggle_text_color=”#ffffff” open_toggle_background_color=”#042950″ closed_toggle_text_color=”#FFFFFF” _builder_version=”4.23″ _module_preset=”default” body_font=”Mulish||||||||” body_text_align=”left” body_text_color=”#7a7a7a” body_font_size=”16px” background_color=”#042950″ background_enable_color=”on” custom_margin=”||20px||false|false” custom_padding=”21px||||false|false” custom_css_toggle_title=” padding: 30px;” custom_css_toggle_icon=”color: white;” custom_css_toggle_content=”padding: 30px;||border: 1px solid #f2f7ff;|| border-top: 0;|| border-radius: 10px;||background-color:#fff!important;” border_radii=”on|10px|10px|10px|10px” border_width_all=”0px” global_colors_info=”{}” toggle_text_color=”#042950″ toggle_font=”Varela|700|||||||” toggle_text_align=”left” toggle_font_size=”16px” open=”off”]<\/p>\n

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It is not uncommon in smaller companies for lending banks to require the shareholder to personally guarantee the loan.
\nIn other words, the individual must guarantee the loan with his or her personal assets.
\nThis becomes a disadvantage in the event of company mismanagement.
\nThis is why critical illness insurance becomes one of the ways of protecting oneself in the event of such an unfortunate situation.
\nIn this way, the liquidity offered by the insurance product enables the sufferer to take the best possible care.
\nIf an additional amount has been set aside, this can be used to meet the financial obligations associated with a loan that a shareholder may have to take out. <\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

[\/et_pb_accordion_item][\/et_pb_accordion][et_pb_text _builder_version=”4.23″ text_font=”||||||||” header_font=”||||||||” header_4_font=”Varela|700|||||||” header_4_line_height=”1.8em” custom_margin=”||0px|” global_colors_info=”{}”]<\/p>\n

GROUP DISABILITY<\/h4>\n

[\/et_pb_text][et_pb_accordion icon_color=”#000000″ use_icon_font_size=”on” icon_font_size=”28px” module_class=”dp_accordion_style23″ _builder_version=”4.23″ _module_preset=”default” body_font=”Mulish||||||||” background_enable_color=”off” custom_css_toggle_icon=”display:block;||right: 20px;||content:’%9233′;||font-weight:600;||” border_width_all=”0px” global_colors_info=”{}”][et_pb_accordion_item title=”blank” open=”on” _builder_version=”4.23″ _module_preset=”default” custom_css_main_element=”display: none;” global_colors_info=”{}”][\/et_pb_accordion_item][et_pb_accordion_item title=”PROTECTION FOR SHAREHOLDERS OR EMPLOYEES” open_toggle_text_color=”#ffffff” open_toggle_background_color=”#042950″ closed_toggle_text_color=”#FFFFFF” _builder_version=”4.23″ _module_preset=”default” body_font=”Mulish||||||||” body_text_align=”left” body_text_color=”#7a7a7a” body_font_size=”16px” background_color=”#042950″ background_enable_color=”on” custom_margin=”||20px||false|false” custom_padding=”21px||||false|false” custom_css_toggle_title=” padding: 30px;” custom_css_toggle_icon=”color: white;” custom_css_toggle_content=”padding: 30px;||border: 1px solid #f2f7ff;|| border-top: 0;|| border-radius: 10px;||background-color:#fff!important;” border_radii=”on|10px|10px|10px|10px” border_width_all=”0px” global_colors_info=”{}” toggle_text_color=”#042950″ toggle_font=”Varela|700|||||||” toggle_text_align=”left” toggle_font_size=”16px” open=”off”]<\/p>\n

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Gives shareholders or employees protection in the event of prolonged absence.
\nFollowing sad news about your state of health, this allows you to receive a sum of money to alleviate the difficulties and consequences of your situation.
\nGiven the financial obligations that remain under your responsibility, you need to be able to meet them.
\nAll those monthly payments linked to your ongoing commitments.
\nAt least, the benefits paid out under your disability insurance help you to meet some or all of these requirements.
\nIn this way, you can maintain a fairly similar standard of living, despite your state of health. <\/span><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

[\/et_pb_accordion_item][\/et_pb_accordion][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.23″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.23″ _module_preset=”default” text_font=”Mulish||||||||” text_text_color=”#000000″ text_font_size=”16px” global_colors_info=”{}”]<\/p>\n

It’s also essential to consider professional indemnity insurance, which covers claims for bodily injury, property damage or financial loss caused to third parties in the course of the company’s activities.
\nThis insurance is crucial in protecting the company against the potentially devastating financial consequences of legal action. <\/p>\n

Personal insurance is insurance taken out by an individual to cover personal needs or risks.
\nIt is designed to protect the insured and his or her family against various risks, such as car insurance, home insurance, health insurance, life insurance, etc. <\/span><\/p>\n

The insured is generally an individual.
\nHe or she pays premiums directly to the insurance company to obtain coverage in the event of a claim. <\/span><\/p>\n

Beneficiaries of personal insurance are often family members or persons designated by the insured.
\nFor example, in the case of life insurance, beneficiaries may be family members of the policyholder. <\/span><\/p>\n

[\/et_pb_text][et_pb_text _builder_version=”4.23″ text_font=”||||||||” header_font=”||||||||” header_4_font=”Varela|700|||||||” header_4_line_height=”1.8em” custom_margin=”||0px|” global_colors_info=”{}”]<\/p>\n

LIFE INSURANCE<\/h4>\n

[\/et_pb_text][et_pb_accordion icon_color=”#000000″ use_icon_font_size=”on” icon_font_size=”28px” module_class=”dp_accordion_style23″ _builder_version=”4.23″ _module_preset=”default” body_font=”Mulish||||||||” background_enable_color=”off” custom_css_toggle_icon=”display:block;||right: 20px;||content:’%9233′;||font-weight:600;||” border_width_all=”0px” global_colors_info=”{}”][et_pb_accordion_item title=”blank” open=”on” _builder_version=”4.23″ _module_preset=”default” custom_css_main_element=”display: none;” global_colors_info=”{}”][\/et_pb_accordion_item][et_pb_accordion_item title=”PROTECTING YOUR ASSETS” open_toggle_text_color=”#ffffff” open_toggle_background_color=”#042950″ closed_toggle_text_color=”#FFFFFF” _builder_version=”4.23″ _module_preset=”default” body_font=”Mulish||||||||” body_text_align=”left” body_text_color=”#7a7a7a” body_font_size=”16px” background_color=”#042950″ background_enable_color=”on” custom_margin=”||20px||false|false” custom_padding=”21px||||false|false” custom_css_toggle_title=” padding: 30px;” custom_css_toggle_icon=”color: white;” custom_css_toggle_content=”padding: 30px;||border: 1px solid #f2f7ff;|| border-top: 0;|| border-radius: 10px;||background-color:#fff!important;” border_radii=”on|10px|10px|10px|10px” border_width_all=”0px” global_colors_info=”{}” toggle_text_color=”#042950″ toggle_font=”Varela|700|||||||” toggle_text_align=”left” toggle_font_size=”16px” open=”off”]<\/p>\n

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When a death occurs, it’s a sad and difficult time for those who lose a loved one.
\nDespite the fact that the loved one is gone, life goes on.
\nLaws and obligations must be respected, and the government will ask for its due.
\nA portion of the tax on certain assets that make up the deceased’s estate must be paid.
\nIn addition, if the deceased had incurred debts, these must be repaid.
\nHowever, the individual or group taking over the estate may decide to continue to respect the terms and conditions of the loan(s), if these permit. <\/div>\n<\/div>\n
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<\/i>Payment of funeral expenses<\/div>\n<\/div>\n
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<\/i>Income replacement<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

[\/et_pb_accordion_item][et_pb_accordion_item title=”PAYMENT OF FUNERAL EXPENSES” open_toggle_text_color=”#ffffff” open_toggle_background_color=”#042950″ closed_toggle_text_color=”#FFFFFF” _builder_version=”4.23″ _module_preset=”default” body_font=”Mulish||||||||” body_text_align=”left” body_text_color=”#7a7a7a” body_font_size=”16px” background_color=”#042950″ background_enable_color=”on” custom_margin=”||20px||false|false” custom_padding=”21px||||false|false” custom_css_toggle_title=” padding: 30px;” custom_css_toggle_icon=”color: white;” custom_css_toggle_content=”padding: 30px;||border: 1px solid #f2f7ff;|| border-top: 0;|| border-radius: 10px;||background-color:#fff!important;” border_radii=”on|10px|10px|10px|10px” border_width_all=”0px” global_colors_info=”{}” toggle_text_color=”#042950″ toggle_font=”Varela|700|||||||” toggle_text_align=”left” toggle_font_size=”16px” open=”off”]<\/p>\n

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Honoring the memory of someone who has passed away is undoubtedly an important ritual for the human species.
\nIt’s part of the cycle of life.
\nNevertheless, it’s a moment that requires preparation and monetary costs.
\nThe purpose of life insurance, or part of it, is to cover these costs. <\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

[\/et_pb_accordion_item][et_pb_accordion_item title=”INCOME REPLACEMENT” open_toggle_text_color=”#ffffff” open_toggle_background_color=”#042950″ closed_toggle_text_color=”#FFFFFF” _builder_version=”4.23″ _module_preset=”default” body_font=”Mulish||||||||” body_text_align=”left” body_text_color=”#7a7a7a” body_font_size=”16px” background_color=”#042950″ background_enable_color=”on” custom_margin=”||20px||false|false” custom_padding=”21px||||false|false” custom_css_toggle_title=” padding: 30px;” custom_css_toggle_icon=”color: white;” custom_css_toggle_content=”padding: 30px;||border: 1px solid #f2f7ff;|| border-top: 0;|| border-radius: 10px;||background-color:#fff!important;” border_radii=”on|10px|10px|10px|10px” border_width_all=”0px” global_colors_info=”{}” toggle_text_color=”#042950″ toggle_font=”Varela|700|||||||” toggle_text_align=”left” toggle_font_size=”16px” open=”off”]<\/p>\n

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Income replacement is essential for families.
\nTake a family of five, where the parents earn a total annual income of $170,000.
\nThe children depend on their parents for their well-being.
\nIf one of the parents dies, the burden of the household falls on one person.
\nLife insurance helps maintain the standard of living, covering both material needs (food, housing, education) and immaterial needs (education, medical care, activities).
\nWhether the father earns $80,000 or the mother $90,000, life insurance compensates for the loss of income, enabling the children to continue their lives without major upheaval.
\nThat’s why income replacement is essential for families. <\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

[\/et_pb_accordion_item][et_pb_accordion_item title=”INVESTMENT VEHICLE” open_toggle_text_color=”#ffffff” open_toggle_background_color=”#042950″ closed_toggle_text_color=”#FFFFFF” _builder_version=”4.23″ _module_preset=”default” body_font=”Mulish||||||||” body_text_align=”left” body_text_color=”#7a7a7a” body_font_size=”16px” background_color=”#042950″ background_enable_color=”on” custom_margin=”||20px||false|false” custom_padding=”21px||||false|false” custom_css_toggle_title=” padding: 30px;” custom_css_toggle_icon=”color: white;” custom_css_toggle_content=”padding: 30px;||border: 1px solid #f2f7ff;|| border-top: 0;|| border-radius: 10px;||background-color:#fff!important;” border_radii=”on|10px|10px|10px|10px” border_width_all=”0px” global_colors_info=”{}” toggle_text_color=”#042950″ toggle_font=”Varela|700|||||||” toggle_text_align=”left” toggle_font_size=”16px” open=”off”]<\/p>\n

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Universal life and whole life insurance both allow you to contribute additional funds to form an investment vehicle.
\nWhen you pay your insurance premium, part of it is used for protection and part for investment purposes.
\nThe funds invested can grow tax-free, providing a tax advantage, and the value of the insurance policy increases over time.
\nIt should be noted that permanent life insurance is a complex product, and the details vary from policy to policy.
\nThat’s why it’s important to talk to a qualified life and health insurer to fully understand the product before you buy. <\/span><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

[\/et_pb_accordion_item][\/et_pb_accordion][et_pb_text _builder_version=”4.23″ text_font=”||||||||” header_font=”||||||||” header_4_font=”Varela|700|||||||” header_4_line_height=”1.8em” custom_margin=”||0px|” global_colors_info=”{}”]<\/p>\n

CRITICAL ILLNESS RELIEF<\/h4>\n

[\/et_pb_text][et_pb_accordion icon_color=”#000000″ use_icon_font_size=”on” icon_font_size=”28px” module_class=”dp_accordion_style23″ _builder_version=”4.23″ _module_preset=”default” body_font=”Mulish||||||||” background_enable_color=”off” custom_css_toggle_icon=”display:block;||right: 20px;||content:’%9233′;||font-weight:600;||” border_width_all=”0px” global_colors_info=”{}”][et_pb_accordion_item title=”blank” open=”on” _builder_version=”4.23″ _module_preset=”default” custom_css_main_element=”display: none;” global_colors_info=”{}”][\/et_pb_accordion_item][et_pb_accordion_item title=”FINANCIAL RELIEF IN THE EVENT OF BAD HEALTH NEWS” open_toggle_text_color=”#ffffff” open_toggle_background_color=”#042950″ closed_toggle_text_color=”#FFFFFF” _builder_version=”4.23″ _module_preset=”default” body_font=”Mulish||||||||” body_text_align=”left” body_text_color=”#7a7a7a” body_font_size=”16px” background_color=”#042950″ background_enable_color=”on” custom_margin=”||20px||false|false” custom_padding=”21px||||false|false” custom_css_toggle_title=” padding: 30px;” custom_css_toggle_icon=”color: white;” custom_css_toggle_content=”padding: 30px;||border: 1px solid #f2f7ff;|| border-top: 0;|| border-radius: 10px;||background-color:#fff!important;” border_radii=”on|10px|10px|10px|10px” border_width_all=”0px” global_colors_info=”{}” toggle_text_color=”#042950″ toggle_font=”Varela|700|||||||” toggle_text_align=”left” toggle_font_size=”16px” open=”off”]<\/p>\n

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Following sad news about your state of health, this allows you to receive an amount of money to alleviate the difficulties and consequences of your situation.
\nThis won’t cure you of your illness, but the amount of insurance you receive may help you get through this difficult period.
\nLiquidity may offer better care, certainly, or a better environment in which to take care of yourself. <\/span><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

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DISABILITY INSURANCE <\/h4>\n

[\/et_pb_text][et_pb_accordion icon_color=”#000000″ use_icon_font_size=”on” icon_font_size=”28px” module_class=”dp_accordion_style23″ _builder_version=”4.23″ _module_preset=”default” body_font=”Mulish||||||||” background_enable_color=”off” custom_css_toggle_icon=”display:block;||right: 20px;||content:’%9233′;||font-weight:600;||” border_width_all=”0px” global_colors_info=”{}”][et_pb_accordion_item title=”blank” open=”on” _builder_version=”4.23″ _module_preset=”default” custom_css_main_element=”display: none;” global_colors_info=”{}”][\/et_pb_accordion_item][et_pb_accordion_item title=”PROTECT ASSETS AND MEET FINANCIAL OBLIGATIONS” open_toggle_text_color=”#ffffff” open_toggle_background_color=”#042950″ closed_toggle_text_color=”#FFFFFF” _builder_version=”4.23″ _module_preset=”default” body_font=”Mulish||||||||” body_text_align=”left” body_text_color=”#7a7a7a” body_font_size=”16px” background_color=”#042950″ background_enable_color=”on” custom_margin=”||20px||false|false” custom_padding=”21px||||false|false” custom_css_toggle_title=” padding: 30px;” custom_css_toggle_icon=”color: white;” custom_css_toggle_content=”padding: 30px;||border: 1px solid #f2f7ff;|| border-top: 0;|| border-radius: 10px;||background-color:#fff!important;” border_radii=”on|10px|10px|10px|10px” border_width_all=”0px” global_colors_info=”{}” toggle_text_color=”#042950″ toggle_font=”Varela|700|||||||” toggle_text_align=”left” toggle_font_size=”16px” open=”off”]<\/p>\n

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The biggest risk in life is yourself.
\nYou never know if one day something will hit you, and for how long.
\nWhen a disability occurs, there’s no way of knowing how long it will last.
\nSo, not being able to plan for the duration, it becomes extremely risky for an individual with no protection to support himself.
\nImagine you’re disabled for 7 years, and you have a financial burden of $5,000 a month to keep you housed, fed, mobile and so on.
\nSimple mathematics shows that you must have a NET amount of $420,000 ($5,000 x 12 months x 7 years) available over 7 years.
\nFinally, this protection allows you to worry less about your finances and take the time you need to recover and come back strong. <\/span><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

[\/et_pb_accordion_item][\/et_pb_accordion][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.23″ _module_preset=”default” background_color=”#f7f7f7″ da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.23″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.23″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.23″ text_font=”||||||||” text_font_size=”16px” header_font=”||||||||” header_2_font=”Varela||||||||” header_2_font_size=”35px” header_2_line_height=”1.4em” text_orientation=”center” max_width=”600px” module_alignment=”center” header_2_font_size_tablet=”30px” header_2_font_size_phone=”25px” header_2_font_size_last_edited=”on|desktop” locked=”off” global_colors_info=”{}”]<\/p>\n

Frequently asked questions<\/h2>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_5,3_5,1_5″ use_custom_gutter=”on” gutter_width=”2″ disabled_on=”on|on|off” admin_label=”Accordion Style V2 Main Section Row 1″ module_class=”dp_accordion_style2″ _builder_version=”4.27.0″ _module_preset=”default” max_width=”1200px” locked=”off” global_colors_info=”{}”][et_pb_column type=”1_5″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_column][et_pb_column type=”3_5″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_accordion closed_toggle_background_color=”rgba(255,255,255,0)” icon_color=”#FFFFFF” _builder_version=”4.23″ _module_preset=”default” toggle_text_color=”#FFFFFF” toggle_font=”Varela|600|||||||” toggle_font_size=”18px” toggle_line_height=”1.5em” body_font=”Mulish||||||||” body_font_size=”16px” body_line_height=”1.8em” toggle_line_height_tablet=”” toggle_line_height_phone=”1.3em” toggle_line_height_last_edited=”on|phone” custom_css_toggle=”padding: 0;||border: none;|| ” custom_css_toggle_title=”padding: 18px !important;||background:#042950;” custom_css_toggle_icon=”display:block;||right: 20px;||content:’%924c’;||font-weight:600;” custom_css_toggle_content=”padding: 20px;” border_radii=”on|10px|10px|10px|10px” locked=”off” global_colors_info=”{}”][et_pb_accordion_item title=”Permanent versus term life insurance” open=”on” _builder_version=”4.23″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

Permanent life insurance provides coverage for life, while term life insurance covers only a specified period, generally from 5 to 30 years.
\nThe former accumulates a cash value and offers stable premiums, while the latter has no cash value and its premiums increase with age. <\/p>\n

[\/et_pb_accordion_item][et_pb_accordion_item title=”The difference between group insurance and private life and disability insurance” _builder_version=”4.23″ _module_preset=”default” global_colors_info=”{}” open=”off”]<\/p>\n

Group insurance is provided by the employer and covers a group of employees, while private life and disability insurance is taken out individually.
\nGroup insurance may offer tax advantages and reduced rates, but it can become invalid on leaving employment. <\/p>\n

[\/et_pb_accordion_item][et_pb_accordion_item title=”Deductibility of insurance premiums” _builder_version=”4.23″ _module_preset=”default” global_colors_info=”{}” open=”off”]<\/p>\n

In general, life insurance premiums are not tax-deductible, except in certain special circumstances, such as for businesses.<\/p>\n

[\/et_pb_accordion_item][et_pb_accordion_item title=”Using life insurance as collateral for an investment” _builder_version=”4.23″ _module_preset=”default” global_colors_info=”{}” open=”off”]<\/p>\n

Yes, it is possible to use a life insurance policy as collateral security for a loan or investment.
\nHowever, this depends on the insurer’s specific policies and the terms of the loan or investment.
\nIt is advisable to consult a financial professional to assess this possibility. <\/p>\n

[\/et_pb_accordion_item][\/et_pb_accordion][\/et_pb_column][et_pb_column type=”1_5″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_column][\/et_pb_row][et_pb_row use_custom_gutter=”on” gutter_width=”2″ disabled_on=”off|off|on” admin_label=”Accordion Style V2 Main Section Row 1″ module_class=”dp_accordion_style2″ _builder_version=”4.27.0″ _module_preset=”default” max_width=”1200px” locked=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_accordion closed_toggle_background_color=”rgba(255,255,255,0)” icon_color=”RGBA(255,255,255,0)” _builder_version=”4.27.0″ _module_preset=”default” toggle_text_color=”#FFFFFF” toggle_font=”Varela|600|||||||” toggle_font_size=”18px” toggle_line_height=”1.5em” body_font=”Mulish||||||||” body_font_size=”16px” body_line_height=”1.8em” toggle_line_height_tablet=”” toggle_line_height_phone=”1.3em” toggle_line_height_last_edited=”on|phone” custom_css_toggle=”padding: 0;||border: none;|| ” custom_css_toggle_title=”padding: 18px !important;||background:#042950;” custom_css_toggle_icon=”display:block;||right: 20px;||content:’%924c’;||font-weight:600;” custom_css_toggle_content=”padding: 20px;” border_radii=”on|10px|10px|10px|10px” locked=”off” global_colors_info=”{}”][et_pb_accordion_item title=”Permanent versus term life insurance” open=”on” _builder_version=”4.23″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

Permanent life insurance provides coverage for life, while term life insurance covers only a specified period, generally from 5 to 30 years.
\nThe former accumulates a cash value and offers stable premiums, while the latter has no cash value and its premiums increase with age. <\/p>\n

[\/et_pb_accordion_item][et_pb_accordion_item title=”The difference between group insurance and private life and disability insurance” _builder_version=”4.23″ _module_preset=”default” global_colors_info=”{}” open=”off”]<\/p>\n

Group insurance is provided by the employer and covers a group of employees, while private life and disability insurance is taken out individually.
\nGroup insurance may offer tax advantages and reduced rates, but it can become invalid on leaving employment. <\/p>\n

[\/et_pb_accordion_item][et_pb_accordion_item title=”Deductibility of insurance premiums” _builder_version=”4.23″ _module_preset=”default” global_colors_info=”{}” open=”off”]<\/p>\n

In general, life insurance premiums are not tax-deductible, except in certain special circumstances, such as for businesses.<\/p>\n

[\/et_pb_accordion_item][et_pb_accordion_item title=”Using life insurance as collateral for an investment” _builder_version=”4.23″ _module_preset=”default” global_colors_info=”{}” open=”off”]<\/p>\n

Yes, it is possible to use a life insurance policy as collateral security for a loan or investment.
\nHowever, this depends on the insurer’s specific policies and the terms of the loan or investment.
\nIt is advisable to consult a financial professional to assess this possibility. <\/p>\n

[\/et_pb_accordion_item][\/et_pb_accordion][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ disabled_on=”off|off|off” admin_label=”Section” module_id=”contact” _builder_version=”4.27.0″ _module_preset=”default” background_enable_color=”off” background_image=”https:\/\/alphadistinction.com\/wp-content\/uploads\/2023\/10\/computer-working-person-group-people-meeting-559565-pxhere.com-1-1-1.jpg” parallax=”on” custom_margin=”||||true” custom_padding=”66px||||false|false” custom_css_after=”content: ”;|| position: absolute;|| top: 0;|| right: 0;|| bottom: 0;|| left: 0;|| z-index: 1;|| background: linear-gradient(rgba(16,16,16,0.80),rgba(9,9,9,0.80));” da_popup_slug=”contact” da_disable_devices=”off|off|off” locked=”off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.27.0″ _module_preset=”default” width=”auto” max_width=”none” custom_margin=”0px||0px||true|false” animation_style=”slide” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.22.2″ _module_preset=”default” text_font=”Mulish||||||||” header_2_font=”Varela|700|||||||” header_2_text_align=”center” header_2_text_color=”#FFFFFF” header_2_font_size=”48px” header_2_line_height=”1.2em” width=”55%” module_alignment=”center” custom_margin=”||0px||false|false” header_2_font_size_tablet=”48px” header_2_font_size_phone=”26px” header_2_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

Contact us<\/h2>\n

[\/et_pb_text][et_pb_text _builder_version=”4.27.0″ _module_preset=”default” text_font=”Mulish||||||||” text_text_color=”#FFFFFF” text_font_size=”16px” text_line_height=”1.9em” text_orientation=”center” module_alignment=”center” custom_margin=”||||false|false” custom_padding=”|14px||14px|false|true” global_colors_info=”{}”]<\/p>\n

Contact us by completing the following information and we will contact you within 24 to 48 hours.<\/span><\/p>\n

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