A Life Insurance Plan that provides a lump sum payment to protect your loved ones financially when you are no longer with them.


  • Pays out a lump sum in the event of death of policy holder.
  • Optional benefits include waiver of premium, capital disability, accidental death and dread disease.
  • No medical exams for policy cover up to P1 million.

Additional Rider Benefits

  • Accidental death benefit
  • Capital Disability: cover is the amount specified by policy owner subject to limitations when compared with the sum assured
  • Waiver of premium on Total and Permanent Disability
  • Waiver on disability (Own Occupation)
  • Waiver on disability (Own or Similar Occupation)
  • Dread disease benefit

A policyholder can only select either the capital disability or the waiver of premium. The above will be attached to the main product as individual rider benefits.

Eligibility Age

  • Minimum age at entry for life cover – 21
  • Maximum age at entry for life cover – 55
  • Termination age for life cover and accidental death – 70
  • Maximum age at entry for capital disability – 55
  • Maximum termination age for capital disability - 70

Waiting Period

  • No waiting period

The results of Non payment of Premiums

A policy will lapse if it has arrears equivalent to 6 months premiums or misses 3 consecutive premiums.

Term of Policy (without returns on premiums).

  • As chosen by policyholder but subject to the minimum of 10 years and limited by the termination age.

Premium Frequency

  • Monthly, Bi-Annually, Quarterly and Annually

For any other premium frequency not monthly, the total premium payable will be monthly premium multiplied by frequency.


Pula (BWP)

Sum Assured

  • No minimum or maximum sum assured on the life cover, provided that minimum premium of P200 is achieved.
  • Cover on the capital disability benefit cannot exceed P3 million.
  • Sum assured on accidental death cannot exceed the death cover.

Premium Rates

Depending on issue age, gender, smoking class (smoker / non- smoker) face amount and the term of the policy.

Cooling off Period

There is a 90-day cooling off period.

Terms and Conditions

Claims exclusions

(This means that claims due to events described are excluded at claim stage, and they are not underwriting criteria)

No death or disability benefit will be paid if the claim is directly or indirectly caused by, or attributable to, any of the following:

  1. Act of war (whether war is declared or not). Participation in military or police organisation actions, riot, insurrection, civil commotion, usurpation of power, terrorism, martial law, kidnapping or hijacking.
  2. Act or deed by the Insured committed in violation of criminal law.
  3. Bodily injury sustained whilst under the influence of intoxicating liquor or drugs or disablement due wholly or partly to the effects of intoxicating liquor or drugs other than drugs taken in accordance with treatment prescribed and directed by a qualified, registered medical practitioner but not for the treatment of drug addiction.
  4. Driving with more than the legally permitted level of alcohol in the blood.
  5. Intentional self—inflicted injuries, suicide, attempted suicide or exposure to risk, while sane or insane.
  6. Participation or attempted participation in motorised speed contests and/or racing with any mechanically powered vehicle or craft.
  7. Participation in aviation anywhere in any capacity other than as a fare—paying passenger flying in a passenger aircraft for which there is in force a valid certificate of airworthiness and which is flown by a duly licensed commercial pilot (and navigator where required by law).
  8. Participation in other hazardous pursuits including but not limited to parachute jumping, skydiving, hang—gliding, micro lighting, mountaineering, big game hunting and scuba diving.
  9. Radio—activity, nuclear explosion or nuclear reaction.

Note: This document provides a summary of the key features applicable to this product, the full terms and conditions will be contained in the policy document.