Additions to insurance cover

Additional Life assurance

This benefit pays an additional sum of money, chosen by yourself, if the life assured passes away before the policy matures. By choosing this benefit you will ensure that your family will be financially protected should the worst happen in the future.

Benefit available with:

Accidental Death

This option guarantees the payment of an additional sum assured equal to that of the main life cover. It is payable if the life assured passes away due to bodily injuries resulting exclusively from an accident.

Benefit available with:

Critical Illness

This option guarantees the payment of the selected sum assured if the life assured is diagnosed with any one of the following conditions: heart attack, coronary by-pass, stroke, kidney failure, life threatening cancer, major organ transplant, coma, paralysis, blindness, severe burns.

Benefit available with:

Permanent Total or Partial Disability

This option guarantees the payment of the selected sum assured in case of permanent total disability. If the life assured is diagnosed as being partially disabled, the benefit will be a percentage of the sum assured you had chosen for this benefit, depending on the severity of the disability, whilst the cover will remain for the rest of the sum assured.

Benefit available with:

Waiver of Premium

This option applies only if the policyholder is also the life assured. This option provides you with a waiver of premium if you suffer a disability which causes you to lose your income. In other words, your life policy will continue without you having to pay the premium, until you recover and are able to resume work.

Benefit available with:

Full details of the above-mentioned benefits are contained in the respective Product Brochures, Key Features Documents, and Policy Terms and Conditions.