Life Insurance

Investment Policies

This is a unit-linked policy with both an investment element and a life cover element. Unit linked in the sense that premiums paid in respect of the investment element are used to buy into a fund which has units set at a given price each month.

Accident Death Benefit: On death by accident, the life cover benefit available/payable under the policy is doubled.
Critical Illness Cover: Paid in the event the policy holders suffers or is diagnosed with a dread disease.

Funeral Cover: To cover funeral costs in the demise of the policyholder.
Waiver of Premium: Allows the company to take over the payment of premiums until the policy matures. This is in the event of Disability or death of the policyholder

Premium escalation is available every policy anniversary at rates. The rates depend on the insurer.

Retirement Annuity Plan

This is a unit-linked investment policy for designed for retirees. It also provides for an optional Accidental Death Benefit which pays the sum assured on death if the option is selected. It is primarily designed to purchase an annuity on it maturity.

Premium escalation is available every policy anniversary at rates.

Education Policy

The product is designed primarily for college or secondary education. This is a bundled product that makes guaranteed regular incomes starting from the end of premium payment phase through to the maturity date of the plan, as long as the live assured is alive.
It is a traditional plan with so the basic cash benefits in the accumulation phase and income amount during the payout phase are fixed.

Single premium plan is also available.