While your application is being considered, you get free accident cover up to the lesser of K50, 000 or, the sum insured. This cover stops when your application is accepted, deferred or declined, or expires – or after 60 days, whichever happens first.

In the event of your death, your family gets the full sum insured, plus bonuses less any policy debt, and bereavement support benefit that was paid prior.

You will receive a 20% payout of the sum insured over the final 5 years of your policy term. In the event of your death on any of the survival benefit due date, your family will only get the death benefit.

Your family will get the lesser of K5, 000 or 10% of the net death benefit as long as you pay premiums in full for 3 years. The net death benefit payout is the sum insured, plus bonuses, less any policy debt. Your family will receive the balance of the death benefit once policy terms and conditions are met.

You will receive the remaining percentage of the sum insured with accrued bonuses at the end of the policy term. Any policy debt will be deducted before the payment of the maturity benefit.

Surrender Value – your policy accrues a cash value called ‘surrender’. If you end the policy early, you get a cash back payout as long as you paid premiums in full for 2 years.

Loan Value – You can access the cash value of the policy through policy loans after the policy is in force for 2 years with premiums paid in full for 2 years.

In the event of your death in an accident, your family gets an additional payout of the rider sum insured. This covers accidental death due to accidental means. All claims are subject to exclusions.

In the event of death or disability of the policy owner, the policy stays active but premiums are no longer payable. This rider is available to the waiver life who is not the life insured.