Details

  • This is a funeral policy that will pay a lump sum benefit in the event of death of the policyholder, spouse, up to 6 nominated children, maximum of 4 parents and 10 extended family members
  • Entry age:
    • Minimum age at entry is 18 for policyholder and spouse
    • Minimum age at entry is 22 for Parents/Parents-in-law
    • Maximum age at entry is 60 for policyholder and spouse
    • Maximum age at entry is 20 (At Next Birthday - 21) for children
    • Maximum age at entry is 85 for Parents/Parents-in-law and Extended Family members

Features

  • Premier funeral service
  • No medical underwriting required.
  • The plan is inclusive of cash and funeral service components.
  • The policy runs for the whole of life.
  • No waiting period on accidental death.

Benefits

  • Lump sum benefit of:
    • Cover of P45 000 for main life and spouse
    • Cover for children is P30 000
    • Cover for parents/parents-in-laws is P12 500
    • Cover for extended family members is P10 000
  • Compound maximum cover of P420 000 for the family.
  • Funeral services are included through FSG. These are mortuary services, casket, tombstone, transport, fuel, electricity/generator hire, groceries and airtime.
  • Inbuilt waiver on death.
  • No premium escalation.
  • Cash back benefit payable every 5 years if no claims made.

Limitations

  • The FSG services are not available to parents and extended family members.
  • 90 day cooling off period.
  • Waiting period applies from 1st day of the month following the month of premium collection.
  • The policy has a six months waiting period.
  • Waiting period will also apply on reinstatement.
  • Failure to pay the agreed premium will result in the termination of the policy in accordance with Botswana Life lapse terms and conditions.

Exclusions

  • Suicide or any attempt thereat or any intentionally self-inflicted injury should this occur with 24 months from commencement date.
  • War, invasion, acts of foreign enemy, hostilities, rebellion, revolution, insurrection or military or usurped power, or by ionizing radiations or contamination by radioactivity from any nuclear fuel or waste.
  • Intentional contravention of any criminal law, whether legislative or at common-law, by the Insured, or by anyone acting on behalf of the Insured or with the Insured's permission or knowledge or by any person claiming any benefit under the policy.

Premium Rates & Cover Levels

In BWP
MAIN LIFE ENTRY AGE RATE LUMP SUM FSG COVER
18 - 20 121 25 000 20 000
21 - 30 141 25 000 20 000
31 - 40 156 25 000 20 000
41 - 50 186 25 000 20 000
51 - 60 216 25 000 20 000
SPOUSE
18 - 20 81 25 000 20 000
21 - 30 111 25 000 20 000
31 - 40 141 25 000 20 000
41 - 50 171 25 000 20 000
51 - 60 201 25 000 20 000
CHILDREN
0-20 70 19 000 11 000
In BWP
PARENTS ENTRY AGE RATE LUMP SUM
22 - 35 40 12 500
36 - 45 50 12 500
46 - 55 75 12 500
56 - 65 95 12 500
66 - 75 115 12 500
76 - 85 160 12 500
EXTENDED FAMILY
00 - 15 12 10 000
16 - 21 12 10 000
22 - 35 40 10 000
36 - 45 48 10 000
46 - 55 72 10 000
56 - 65 90 10 000
66 - 75 100 10 000
76 - 85 190 10 000

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