Krishan Alahakoon

Most people insure their phones, vehicles, and homes…
But forget to protect the people who matter most.

Life insurance is not about fear.
It is about responsibility, love, and securing your family’s future even in your absence.

“Life insurance is the silent hero working in the background of every secure family.”

The best time to plan was yesterday.
The next best time is today.

Krishan Alahakoon
(MDRT USA/ LIMRA IQA)
Senior Wealth Planners’ Manager

Many people think life insurance is only about death.
But for me, it’s about love, responsibility, and protecting the people who depend on you most. ❤️

One unexpected moment can change a family’s future financially and emotionally. Life insurance helps your loved ones continue their dreams, education, lifestyle, and peace of mind even when life becomes uncertain.

We insure our vehicles, phones, and homes… but have you insured your family’s future?

The best time to plan is before life gives a reason to regret.

Protect your family today, because real wealth is making sure your loved ones stay secure tomorrow. 🙏

https://youtu.be/8UcFh11I-fo?si=ewV1wY0dsjmrYCdi

ලැබුවා වු නව වසර ඔබටත් ඔබගේ පවුලේ සැමටත් ජය සතුට සෞභාග්‍යය සපිරී සුභම සුභ නව වසරක් වේවා!

Imagine finally deciding to apply for life insurance, only to hear the words ‘declined due to health condition.’

That single moment carries a heavy truth: insurance is not for when you’re sick, it’s for while you’re still healthy.

Don’t wait until life leaves you with no choice by then, it might already be out of your hands.

Mr.Client :- Insurance policy එක ආරම්භ කල දවසේ සිට සියලුම රෝග cover වෙනවද..?

Answer :- When you start a Health Insurance Policy, most benefits start immediately.
නමුත් හැම health insurance policy එකකම First Year Exclusion කියලා rule එකක් තියෙනවා.

ඒ කියන්නේ policy එක first 12 months ඇතුළත common medical conditions කිහිපයක් cover වෙන්නේ නැහැ.

Examples ලෙස:
Tonsils / Adenoids / Sinus related surgeries, Hernia, Piles, Cataract, Kidney Stones, Varicose Veins, some spine and joint related treatments වගේ conditions.

මෙය permanent exclusion එකක් නෙමෙයි.
Policy එක 1 year complete වුණාම, මේ treatments policy limits සහ terms අනුව normally cover වෙනවා.

මෙම rule එක තියෙන්නේ insurance misuse avoid කරන්න.
ඒ කියන්නේ already surgery plan කරගෙන insurance ගන්න situation avoid කරන්න.

ඒ නිසා best approach එක තමයි insurance early start කිරීම.
එතකොට future එකේ medical need එකක් ආවොත්, you will have full protection and peace of mind.

Most people wait until something goes wrong before thinking about insurance.

A health issue. An emergency. An unexpected expense.

But by then, coverage is harder to get and costs much more.

Buying insurance while you’re young and healthy means lower premiums, easier approval, and real peace of mind. It’s not about expecting the worst, it’s about being prepared so you can live freely today, knowing tomorrow is protected.

The earlier you start, the better it protects you.

දේශයක සැබෑ නිදහස
ආර්ථික අර්බුදයකදි හෝ අනපේක්ෂිත අවස්ථාවකදි
පවුලක් අසරණ නොවී ඉදිරියට යා හැකි ශක්තිය තියෙන කමයි.
නිදහස කියන්නේ භය නැති හෙටක්.
රක්ෂණය කියන්නේ ඒ නිදහස ආරක්ෂා කිරීම. 🇱🇰
මූල්‍ය ආරක්ෂාව කියන්නේ වියදමක් නෙවෙයි —
එය පවුලේ අනාගතයට කරන ආයෝජනයක්.
නිසි රක්ෂණ සැලසුමක් තියෙන විට,
අනපේක්ෂිත අවස්ථාවක්වත් අපේ සිහින නවත්වන්න බැහැ.

නිදහස් දේශයක
පවුලේ අනාගතය ආරක්ෂා කරන
මූල්‍යමයව සන්නද්ධ පුරවැසියන් ගොඩනගමු.

ඔබ සැමට අභිමානවත් නිදහස් දිනයක් වේවා! 🇱🇰✨

ක්‍රිෂාන් අලහකෝන්