Our Product Solutions

We have an excellent reputation for creating tailor-made risk solutions for our clients. Our solutions not only provide financial peace of mind, but can remove the potential for any financial difficulties arising from severe injury, illness and/or loss of life.



Group Risk Solutions

Our Group Risk solutions are created for organisations comprising 10 members or more. Cover is offered under one master policy for all members, reducing operational expenses and allowing your organisation to enjoy benefits at a competitive premium relative to individual policies. Additionally, an automatic acceptance cover with limited benefits established around employee demographics means participants may benefit from cover without any medical checks.

Product Description
Group Life Assurance
Group Life Assurance
Event - Death
Group Life Assurance (GLA) provides life cover payable as a lump sum on the passing away of the member before retirement. GLA provides the member with the peace of mind that their family will be taken care of if they are no longer there to support them.
Permanent & Total Disability
Permanent & Total Disability
Event - Disability
Permanent and Total Disability benefit pays a lump sum in the event of a permanent disability of the member before retirement. The purpose of this benefit is to protect the member against the loss of earning potential, if he or she becomes disabled and is unable to work. The Permanent and Total Disability benefit must be taken together with the Group Life Assurance benefit.
Temporary & Total Disability
Temporary & Total Disability
Event - Disability
The Temporary and Total Disability benefit is a monthly benefit that is payable for a limited period. The purpose of this benefit is to protect the member against the loss of earnings or earning potential, if he or she becomes disabled and is unable to work for a limited period.
Permanent Health Insurance
Permanent Health Insurance
Event - Disability
The Permanent Health Insurance benefit provides the member with a monthly income, in the event of them becoming disabled and unable to work. The benefit is payable until the member is able to go back to work or unable to work until retirement.
Critical Illness
Critical Illness
Event - Defined critical illness such as Cancer, Heart Attack, Coronary Artery Bypass Graft (CABG), Stroke, Major Organ Transplant, End Stage Renal Failure.
Critical Illness benefits provide cover for the costs associated with living with a life-altering illness by providing a lump sum payment on the first diagnosis of any one of the stated critical illnesses. The Critical Illness benefit must be taken together with the Group Life Assurance benefit.
Group Funeral
Group Funeral
Event - Death
The Funeral benefit pays out a lump sum in the event of the death of the employee, spouse, children or extended family member (if applicable) before the retirement of the employee.

The following benefits are optional to Group Funeral:

Family Support
Family Support
Event - Death
The Family Support benefit provides a lump sum on the passing away of the member. This helps the family deal with urgent costs associated with funeral expenses as well as assisting with the living expenses such as groceries following the loss of the breadwinner in the family.
Tombstone
Tombstone
Event - Death
The Tombstone benefit pays a lump sum should the employee pass away, to aid in providing a tombstone and for the cost of the unveiling ceremony.

Bancassurance

Credit Life Insurance is designed to pay off the balance of a loan in the event that the policyholder dies, becomes disabled or suffers a dread disease. The benefits are payable to the loan provider and aids in protecting loan holders and their families from the consequences of outstanding debts.

Product Description
Home Loan Protection
Home Loan Protection


Home Loan Protection seeks to protect the loan holder by providing a lump sum benefit, equal to the outstanding home loan, payable on death, disability or dread disease.
Vehicle Loan Protection
Vehicle Loan Protection


Vehicle Loan Protection seeks to protect the loan holder by providing a lump sum benefit, equal to the outstanding vehicle loan, payable on death, disability or dread disease.
Personal Loan Protection
Personal Loan Protection


Personal Loan Protection seeks to protect the loan holder by providing a lump sum benefit, equal to the outstanding personal loan, payable on death, disability or dread disease.
Business Loan
Business Loan Protection


Business Loan Protection Plan seeks to protect the loan holder by providing a lump sum benefit, equal to the outstanding business, payable on either death or disability.
Credit Card Protection
Credit Card Protection


Credit Card Protection Plan seeks to protect the credit card holder by providing a lump sum benefit, equal to the outstanding credit card loan, payable on death or disability.

Individual Products

We have a range of products and solutions to meet the changing lifestyle risk situations. Our solutions offers cover for unforeseen events such as death, critical illness and disability. You will have peace of mind knowing that you have the best insurance plan for unplanned events.

Product Description
Umdvudvuti Funeral Plan
Umdvudvuti Funeral Plan

Event - Death
Provides a lump sum on death that covers the cost of a funeral. There is an option to cover the policyholder, one spouse and a maximum of six children with a choice to add parents and parents in law as well as extended family members.
Personal Accident Plan
Personal Accident Plan

Event - Accidental Death or Impairment
Provides a lump sum payment on the accidental death or accidental impairment of the policyholder.
Simple Life
Simple Life Plan

Event - Death
Comprehensive cover providing a lump sum benefit on the occurrence of death of the policyholder. There are additional benefits to choose from in the unfortunate event that the policyholder is unable to earn an income due to a Critical Illness, Physical Impairment and Permanent Disability.
Critical Illness Plan
Critical Illness Plan

Event - Defined critical illness such as Cancer, Heart Attack, Coronary Artery Bypass Graft (CABG), Stroke, Major Organ Transplant, End Stage Renal Failure.
Critical Illness benefit provides a lump sum to help ease the financial burden that the member could suffer due to a critical illness.
Platinum Life
Platinum Life Plan

Event - Death
Comprehensive cover providing high cover with limited underwriting on the occurrence of the policyholder passing away. There are additional benefits to choose from in the unfortunate event that the policyholder is unable to earn an income due to a Critical Illness, Physical Impairment and Permanent Disability.
Education Protector
Education Protector

Event - Death, Physical Impairment
Provides a lump sum on the occurrence of these risk events to help provide for your child’s education even after you're gone.

 

Contact Us

Mbabane Office Park, 2nd Floor South Wing,
Building No. 1, Mhlambanyatsi Road, Mbabane, Swaziland
PO Box A294 Swazi Plaza
t  +2682 404 3444
f  +2682 404 7566/ 1803

Fraud Hotline  240 44471