clipped from: www.ampminsure.org   
what are the most innovative product in the insurance industry now?

Well, I've once come across one of the innovative products in the form of an illness guard. I have a disability program which protects me from all from of listed diseases as well. but while applying for my wife's disability I jus came across an innovative program called a critical illness program. This one would pay me the entire policy value if she gets diagnosed with a desease thats mentioned. The premium is also better structured. Now, since she doesn't work anymore...so whats the need for a disabiltiy program...rather we can try up this innovative pack. Thats it! CLoeFunman