For Whom

This is a policy which provides the holders (individuals and families) a unique way of making financial plans to achieve maximum returns and financial security.


  • Financial protection for family in the event of death, critical illness (i.e. heart attack, stroke, cancer, HIV/AIDS, kidney failure and blindness etc), permanent disability following an accident
  • Available for a minimum duration of 10 years
  • Cover terminates at age 65.
  • Accumulated fund with high investment yield


  • Can serve as collateral security for financial transaction
  • Provides funds at retirement
  • Offers dependant(s) annuity benefit
  • Policy loan available up to 90% of investment account balance after two years
  • Premiums paid are tax exempt
  • The policyholder has an option of selecting one of the following in the event of critical illness or permanent disability
  • Payment of disability benefit
  • Permanent Health Benefit (periodic payments)
  • Waiver of premium payment