• Minimum monthly premium of N10,000
• Policy provides a minimum death benefit of N600,000; there is no maximum limit
• Medical examination may be required depending on the sum assured and the entry age of the policyholder
• Maximum age at maturity: 65 years
• Minimum policy duration: 5 years
• Maximum policy duration: 20 years
• Premium payment mode: Monthly/Quarterly/Half Yearly/Annually/Single Premium
• Life cover is compulsory for the principal life assured. This benefit only covers the principal life assured

There is a 6-month waiting period for this cover which begins when cover starts, during which the payout of the cover amount will be for accidental deaths. If a non-accidental death occurs within this period, all paid premiums will be refunde

Death / Maturity Benefits:

• Maturity benefit is paid in 4 equal annual installments to fund the education of the ward/child.
• In the event of the death of the policyholder before maturity, 10% of the sum assured will be payable annually to the beneficiary subject to a limit of 100% of the sum assured.

In the event of disability as a result of an accident according to our definition of the principal life assured 15% of the sum assured will be payable annually until the maturity date of the policy subject to a limit of 120% of the sum assured, provided the policy term is a minimum of ten (10) years or more.

• The policyholder may cancel the policy at any time. This allows the policyholder to stop the entire policy, including cancelling the beneficiary and disability cover. Surrender value will be applicable once premiums paid have covered a period of 12 months.