Our Savings Plans have fixed duration/timelines. Changes will require the initiation of a new policy. However, Protection plans can also be altered.

You should receive an email with a form detailing your surrender/termination value. Kindly sign the form to accept the offer and return to any of our branches. You can expect to be paid within 5 working days of receipt of document.

Our Direct Debit process requires you to sign a mandate form. This form is processed under NIBSS. The mandate form is sent automatically to your bank for approval. After you bank has approved, we shall make the first withdrawal on the date your next premium is due. However, if you wish to change the date we make the withdrawal, kindly indicate this on you Direct Debit Mandate.

You should receive an email with a policy loan agreement form. Kindly sign the form to accept the offer and return to any of our branches. You can expect to be paid within 5 working days of receipt of document.

We issue a policy statement to all our policyholders annually. A copy of your last statement can be initiated on this app and sent to you by email. If your policy is less than a year old, you can also get a copy of your Premium Account Position on this App.

Please fill in the section under claims in this app and we shall within two working days contact you to complete the process.

The company sets its interest rate to be competitive in the market. This rate is adjusted only when the market environment dictates so.

All our policies are governed by terms and conditions, which includes when a policy loan can be taken. A copy of all our policies can be obtained on our website.

This is the benefit payable if the Assured Life survives 30 days from diagnosis of certification of any of the Critical Illnesses Condition (CIC ) indicated in our policy document. A copy of all our policies can be obtained on our website.

Total Permanent Disability (TPD) occurs when owing to an accident, the policyholder is either totally and permanently disabled and has suffered the loss or the permanent use of both hands or both feet or one hand and one foot, or the sight of both eyes. This disability must have either existed for not less than 60 days.

If the policy lapses,it may be reinstated within one year of the due date of the first unpaid risk premium, subject to satisfying underwriting requirements, and the payment of all outstanding premiums together with a Reinstatement Fee.

Yes you can. However it will alter your premium payment.

Your requirement for medical examination is determined by your Sum Assured (The amount you will be paid when the policy is matured) . In addition, the medicals requirement will be reviewed by our underwriters.