What is Life Insurance?
Life insurance is a contract between the policy owner and the insurer, where the insurer agrees to pay a designated beneficiary a sum of money upon the occurrence of the insured individual’s or individuals’ death.

What is Capital Disability Insurance?
The purpose of Capital Disability insurance is to replace the loss of income that arises when the life assured is found to be totally and permanently occupationally disabled due to bodily illness or injury.

What is Income Protection Insurance?
Income Protection is an insurance product that provides you with a monthly income if you become unable to work because of an occupational disability, giving you time to recover. The monthly income benefit will be paid until such time that the insured individual recovers from his/her disability, dies or reaches a specified maximum age.

What is Critical Illness Insurance?
Critical illness insurance or is an insurance product, where the insurer is contracted to typically make a lump sum cash payment if the policyholder is diagnosed with one of the critical illnesses listed in the insurance policy.

Life Insurance
Income Protection