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Income Protection Insurances

Lightbulb Financial

Lightbulb Financial is a company that specializes in providing income protection insurances to its clients. With a focus on ensuring financial security for individuals and families, Lightbulb Financial offers a range of insurance options to suit different needs and budgets. Their team of experienced professionals is dedicated to providing personalized service and expert advice to help clients make informed decisions about their insurance coverage. Whether it's protecting against unexpected illness or injury, or planning for the future, Lightbulb Financial is committed to helping clients achieve peace of mind and financial stability.

Introduction to Lightbulb Financial

Lightbulb Financial is a company that was founded in 2015 with the purpose of providing income protection insurances to individuals and families. The company was established by a team of experienced professionals in the insurance industry who realized the need for a company that would offer a unique approach to income protection. What makes Lightbulb Financial unique is the fact that they provide a personalized service that is tailored to the specific needs of each individual customer.

Services & Products

Lightbulb Financial offers a range of income protection insurances that are designed to provide financial security to their customers in the event of an unexpected loss of income. Their products include disability insurance, critical illness insurance, and life insurance. They also offer a range of other insurance products such as home insurance, auto insurance, and travel insurance.

Location

Lightbulb Financial is located in the heart of downtown, in a bustling area that is home to many businesses and restaurants. Customers can expect to experience a vibrant and diverse community, with many opportunities for entertainment and socializing. The area is well-served by public transportation, with the three closest options being the subway station, bus stop, and train station, all within a five-minute walk from the office.

Benefits

Customers should choose Lightbulb Financial because of their personalized approach to income protection. The company takes the time to understand the unique needs of each customer and provides them with a customized solution that is tailored to their specific needs. They also offer competitive rates and a range of products that are designed to provide financial security to their customers.

Good to Know

Customers should be aware that Lightbulb Financial only offers income protection insurances and does not provide other types of financial services. They should also be aware that the company requires a detailed medical history in order to provide an accurate quote for their products.

Reviews

Customers have praised Lightbulb Financial for their excellent customer service and personalized approach to income protection. Many have noted that the company takes the time to understand their unique needs and provides them with a customized solution that is tailored to their specific situation. Overall, customers have been very satisfied with the products and services provided by Lightbulb Financial.

Amenities

  • amenity
    online quote
  • amenity
    phone consultation
  • amenity
    financial advice
  • amenity
    tailored plan
  • amenity
    flexible payment options
  • amenity
    accident cover
  • amenity
    disability cover
  • amenity
    illness cover
  • amenity
    death cover
  • amenity
    injury cover
  • amenity
    hospitalization cover

FAQ

What is the maximum coverage amount for your income protection insurance plans?

Our income protection insurance plans have a maximum coverage amount of $10,000 per month.

Are there any waiting periods before I can make a claim on my income protection insurance?

Yes, there is a waiting period of 30 days before you can make a claim on your income protection insurance.

Does your income protection insurance cover partial disability or only total disability?

Our income protection insurance covers both total and partial disability, depending on the terms of your policy.

Are there any exclusions or limitations in your income protection insurance coverage?

Yes, there are exclusions and limitations in our income protection insurance coverage. These may include pre-existing medical conditions, self-inflicted injuries, and disabilities caused by illegal activities. The specific exclusions and limitations will be outlined in your policy.

How are premium rates determined for your income protection insurance plans?

Premium rates for our income protection insurance plans are determined based on a number of factors, including your age, occupation, health, and the coverage amount and term of your policy. We offer personalized quotes based on your individual circumstances.