Funeral Finance Plan
The plan aims to provide immediate cash pay-out to the policyholder to cover funeral expenses of loved ones. The plan only pays the lump sum if you or any member you have insured dies during the period of cover. There is therefore no surrender or maturity value. The plan can cover the following: the life assured; the life assured’s spouse; children, wider family – parents, parents-in-law, step parents, foster parents, siblings, grandparents etc.

Educational Plan
This plan enables the policy holder to accumulate funds through monthly affordable contributions. The plan enable parents to give their words quality and guaranteed education.

Hospital Benefits
This plan is a living benefits that provides financial support to policy holders who suffer some form of income loss due to the hospitalisation of the policyholder or any of his/her dependents.

Universal Life
It is permanent insurance that provides protection in case of death, as well as a savings or cash value component. The cash value of a universal life policy is based on the amount of premiums you pay, the declared interest crediting rate and the policy charges.

Credit Life
Credit Life Policy is tailored for Financial Institutions or companies, which offer loan to clients. This is a single premium policy with a maximum term of 5 years. Credit Life Policy provides the payment of death benefits on the death of the life assured or permanently and totally incapacitated. The cover is applied for by the policyholder who would have been authorised by the life assured in a contract to apply for the insurance and to pay the premiums in respect of such insurance.

Group Life
Group Life policy covers death benefit whether natural or accidental for a group of people. In the event of death of an employee, the multiple of the employee’s salary will be paid as capital benefit to his or her beneficiaries. Group life insurance is typically offered as a piece of a larger employer or membership benefit package. By purchasing coverage through a provider on a “wholesale” basis for its members, the coverage costs each individual worker/member much less than if they had to purchase an individual policy.

Mortgage Protection
Mortgage protection insurance is a life insurance policy designed to pay off your mortgage if you die during the term. It runs for the same length of time as your mortgage. So, if you take out a mortgage over 20 years, your mortgage protection insurance must also be in place for 20 years.

Critical Illness
Critical illness insurance, otherwise known as critical illness cover or a dread disease policy, is an insurance product in which the insurer is contracted to typically make a lump sum cash payment if the policyholder is diagnosed with one of the specific illnesses on a predetermined list as part of an insurance policy. The policy may also be structured to pay out regular income and the pay-out may also be on the policyholder undergoing a surgical procedure, for example, having a heart bypass operation.