This is an anticipated endowment assurance with regular premiums payable to secure cover on death, permanent and total disability (PTD), critical illness and survival with partial maturity payments at prescribed intervals.

Features

• Product pays at an interval of 4 years until maturity.
• Minimum Term is 12 years and Maximum term is 24 years.
• Minimum Sum Assured is Ksh.300,000

Benefits

1. Maturity Benefits

• 200% of Sum Assured

2. Natural Death Benefits

• 100% of sum assured plus.
• Full sum assured payable irrespective of partial benefits. 

2. Double Accidental Death Benefits

• 200% of Sum Assured payable upon accidental death.
• 200% of Sum Assured upon Permanent Total Disability (PTD) on Loss of both Limbs or sight of both eyes.
• 100% of Sum Assured upon PTD on Loss of one Limb or sight of one eye.
• For PTD (On either Natural or Accidental Causes), the policy continues to pay partial payouts and full maturity when due.

4. Critical Illness benefit

• 50% of Sum Assured is payable under the main benefit on first time diagnosis of any of the listed Critical/ Terminal diseases; cancer, heart attack, stroke, kidney failure, paraplegia or paralysis, coronary artery disease and major organ transplant.
• Then the policy continues to pay partial payouts and full maturity when due.

5. Waiver of Premium on permanent and total disability and critical illness.

• 100% waiver on permanent and total disability and critical illness
• Both on accidental and natural causes

6. A tax relief equivalent to 15% of monthly premium subject to a maximum of ksh.5,000.

7. Policy loans are available after the policy has acquired a cash value (three years of premium payment) and therefore, the policy can be ceded as collateral or security.

8. You enjoy quarterly, semi-annual, and annual premiums discounts of 4%, 6% and 8% respectively.