Details

  • This is a Premier Life Cover Policy that will pay a lump sum assured benefit in the event of death of the policyholder.
  • For life cover only:
    • Minimum age at entry is 18
    • Maximum age at entry is 60
    • Termination age is 70
  • For Capital Disability:
    • Maximum age at entry is 60.
    • Maximum termination age is 70

Features

  • Minimum cover of P100 000.
  • The policy term will be as chosen by policyholder but subject to termination age.
  • 50% of cover is payable between 13 & 24 months.
  • Full cover is payable after 24 months.

Benefits

  • Maximum cover of P500 000 without HIV testing.
  • 50% of cover is available after 12 months.
  • Can be used as security for a loan

Limitations

  • Capital disability cover is limited to P500 000 or 7.5 times the insured's annual income.
  • Sum assured on capital disability cannot exceed the basic cover.
  • The policy has a 12 months waiting period.
  • Waiting period will also apply on reinstatement.
  • No waiting period on accidental death
  • Waiting period applies from 1st day of the month following the month of collection.
  • If a policy misses 3 consecutive premiums or an equivalent of 6 months premiums, the policy will lapse and the benefits will fall off.
  • Lapsed policies can be reinstated within 11 months subject to payment of the missed premiums. On reinstatement the initial waiting period applies.

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.

Premium Rates & Cover Levels:

In BWP - MALES
ENTRY AGE 100k 150k 200k 250k 300k 350k 400k 450k 500k
18 - 20 135 180 225 270 315 360 405 450 495
21 - 25 160 215 270 325 380 435 490 545 600
26 - 30 190 265 340 415 490 565 640 715 790
31 - 35 205 280 355 430 505 580 655 730 805
36 - 40 225 320 415 510 605 700 795 890 985
41 - 45 245 355 465 575 685 795 905 1 015 1 125
46 - 50 270 395 520 645 770 895 1 020 1 145 1 270
51 - 55 365 520 675 830 985 1 140 1 295 1 450 1 605
56 - 60 395 550 705 860 1 015 1 170 1 325 1 480 1 635
In BWP - FEMALES
ENTRY AGE 100k 150k 200k 250k 300k 350k 400k 450k 500k
18 - 20 130 175 220 265 310 355 400 445 490
21 - 25 155 205 255 305 355 405 455 505 555
26 - 30 165 215 265 315 365 415 465 515 565
31 - 35 170 235 300 365 430 495 560 625 690
36 - 40 175 240 305 370 435 500 565 630 695
41 - 45 185 270 355 440 525 610 695 780 865
46 - 50 200 300 400 500 600 700 800 900 1 000
51 - 55 255 370 485 600 715 830 945 1 060 1175
56 - 60 275 420 565 710 855 1 000 1 145 1 290 1 435

Call Us

Call our hotline for further information.

361 5800

Contact Me

Alternatively, please complete our contact form and we will be in touch as soon as possible.

Contact Me »

Email Us

Please send us a message and we will be in touch as soon as possible.

Email Us »

Locate Us

Visit the branch that is nearest to you.

Find a Branch »