Individual Life & Health Insurance
Our Individual Life and Health Insurance line has a variety of products designed to meet the needs at every stage in life.
Whole of Life
Guaranteed Protector— an special whole of life plan with rates that are lower for persons with non-hazardous occupations
10, 15 and 20 Year Limited Payment Whole of Life Plans
Life Paid-up plans at ages: 50, 55, 60 and 65 years
Juvenile Estate Builder
10, 15 and 20 Year Endowment
Endowment at age 18
20 Year Modiﬁed Endowment—maturities are paid in 4 installments with no reduction in the sum assured
Endowment Annuity at ages 50, 55, 60 and 65— an endowment plan that has a maturity value greater than the sum assured and allows at maturity: full payment of maturity value, paid up life insurance or a pension annuity; or a combination of these options.
5, 10, 15 and 20 Year Term
Term to ages 60 and 65
Cash Back 20 and 30 Year Term—a term plan with the sum assured increasing by 3% every year up to 50% and returns 25% of the premium at the end of the term
Golden Harvest—a 10 year limited payment whole of life plan that has a sum assured that increases by 3% every year up to 50%
Happy Retirement 60 and 65—a limited payment to age 60 or 65 whole of life plan which pays a pension of 2% of the sum assured for 5 years upon maturity with the policy continuing for life
Funeral Insurance, Individual Medical Insurance, Accident Indemnity
Accidental Death and Dismemberment, Accidental Medical Expense, Premium Payer Protection
Talent Builder— an educational savings plan for children under 10 years that matures at 18 years and pays a bonus for admission into university.