Life Insurance

Life Insurance

Protect the people who depend on you.

Term life, whole life, and credit life cover, structured to protect your family’s income, your mortgage, and your legacy. Explained in plain English. No surprises at claim time.

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We'll find the most suitable cover for your dependants and situation.


Radical transparency

What’s covered. What’s not.

Covered (comprehensive plan)

Death from any cause

natural, accidental, or illness (after waiting period for illness)

Permanent total disability (PTD)

full sum assured paid if you can no longer work

Terminal illness advance

most policies release benefit early on terminal diagnosis

Loan balance clearance

credit life clears your mortgage or loan on death

Critical illness rider

lump sum on diagnosis of cancer, heart attack, stroke (if selected)

Not covered (standard policy)

Suicide within first 12 months

most policies exclude death by suicide in year one

Undisclosed pre-existing conditions

non-disclosure at application can void the policy

Participation in dangerous activities

extreme sport, aviation (unless declared and rated)

War or civil unrest

standard life policies exclude death in active conflict zones

Life Insurance FAQS

How much life cover do I actually need?

A common starting point is 10× your annual income, enough to replace your earnings for a decade while your dependants stabilise. We factor in your mortgage balance, number of dependants, and existing savings to give you a specific recommendation. There is no guessing.

How does a beneficiary make a claim?

They contact us directly. We guide your family through every document required, liaise with the insurer, and ensure the claim is processed as quickly as possible. This is one of the most sensitive moments we handle, we treat it accordingly.