Main benefits

• Maturity benefit paid at the end of the policy term
• In the event the policyholder passes on, the beneficiaries are paid a death benefit.
• Policy loans are accessible after the policyholder has consistently paid premiums for 24 months

Optional benefits

• Critical Illness
• Total and Permanent Disability
• Retrenchment benefit with a 12-month waiver of premiums
  
• Personal accident for the child under cover
  
• Annual premium increments to hedge against inflation
  

Main benefits

• Maturity benefit at the end of the policy term
• Cash benefit to beneficiaries if the policyholder passes away
• Cash benefit if the policyholder suffers total and permanent disability

Optional benefits

• Critical Illness cover

Main benefits

• Cash benefit paid if death or total and permanent disability occurs

Optional benefits

• Critical illness cover
  
• Generous non-medical limit
  
• Transferable benefits
  
• Annual premium increments to hedge against inflation
  
• Return of premiums (minus fees) if the policyholder outlives the full term
  

Main benefits

A lump sum payment will be made in the event of:

• Death
• Critical Illness
  

Main benefits

• Maturity benefit paid at the end of the policy term
  
• Total and Permanent Disability
  
• In the event the policyholder passes on, the beneficiaries are paid a death benefit
  

Optional benefits

• Annual premium increments to hedge against inflation
  

Main benefits

Upon retirement, the policyholder has access to:

• Regular income until they pass on
• Provision of income for dependents
• Beneficiaries are paid a death benefit if policy holder passes on
  
• In the event of death of the policyholder, the outstanding payments will be a lump sum payment to the beneficiary(ies).
  

Optional benefits

• The policyholder can request that the beneficiary(ies) continue to receive the outstanding payments due within the guarantee Period.

Main benefits

A lump sum payment will be made in the event of:

• Death

Optional benefits

A lump sum payment to the policyholder in the event the spouse passes on.

• Personal Accident Cover
  
• Hospitalization
• Return of all premiums minus fees if the assured survives the entire term of the policy.
  
• Policy benefits are transferable
  

Main benefits

A lump sum payment will be made in the event of: 

• Death
• Free cover for policyholders after the age of 65 years till they are 80 years, if the policyholder signed onto the policy before 55 years.
  
• The policy is still active for all family members under cover who have gone past the waiting period, even after the death of the policyholder. 
  
• Upon receipt of all premiums, a cash bonus of 25% of the third year annual premium will be paid back to the policyholder every 3 consecutive years if no claim has been made.
  

Optional benefits

• Annual premium increments to hedge against inflation.