1. Who should buy a life policy

Every person above age 18 and gainfully employed can buy a life policy.

2. How can I buy a life policy

Please call at our offices or contact our customer service desk via phone to send an agent to you.

3. How do I pay for my policy

You may pay by direct monthly deductions from your salaries or by direct debits from your bankers.

4. What happens if I stop paying premiums

A policy will lapse if premiums are not received for four months. When this happens, all benefits will fall away and cover ceases immediately. If you receive a notice informing you of a missing premium, do not ignore it.

5. What should I do if my premium deductions stop

We would send you notice if your premiums have not been received for two or more months. However, if you notice a stop in deductions, please contact our customer service desk for assistance.
 

6. How can I make changes to my policy

Changes can be made to a policy by writing to the company or contact our customer service desk for assistance.

7. How can I make a compliant about a service

We are sorry to hear that you appear to be experiencing problems with our service. Please contact our customer service desk with your details. Alternatively, you can send your complaint to us via the Contact us section of this site, and we will get back to you as soon as we can.

8. What is the difference between encashment and death benefit of a policy

Death benefit is the amount of coverage stated in your life insurance policy and will be paid to any beneficiaries upon your death. Over time, this initial death benefit can increase if your premiums are updated.

Encashment, on the other hand, is the amount of money that builds up in your life insurance policy from the premiums you've paid. Your encashment will start small, yet it will grow over time and when your policy reaches its maturity date.

9. Can I take money from the cash value of my insurance policy

The cash value of a life insurance policy can be a reassuring source of money in times of need. You may take up to half your encashment once a year for children’s education payment, healthcare expenses, burial expenses of family members or as initial deposit for a house purchase. You can take this money by contacting our customer service desk.

10. How can I make a death claim

You would need the policy document, the original death certificate of the deceased, a photo ID of the claimant and a completed claim application form. You may pick up a claim form from any our offices or download a copy from this website. Please submit documents at any of our offices for your claim to be processed.