I have known Almas Ilyas for a long time who has been our family financial advisor and always gave her advice according to affordability and need. When I established my business and got married, I needed a life insurance for me and for my wife. At that Almas shopped around and came up with the best life coverage which also serves the purpose of retirement planning. Yes, my life insurance cash value is more than enough have a comfortable retirement life with my existing life style. She always try to keep in touch and update us for any changes take place in insurance market.