In addition to the main policyholder the following people can also be covered on payment of additional premium.

• ​Spouse (multiple spouses is allowed)
• ​Siblings over the age of 18
• Parents and parent in-laws up to age 74

This policy lasts for as long as the policyholder is alive.

The sum assured for the policyholder is

• Minimum N1m
• Maximum sum assured is N100m. For additional lives;
• Spouse – maximum 100% of policyholder’s sum assured
• Other lives’ sum assured is maximum of 50% of the policyholder’s sum assured subject to a maximum of N10m

 Death benefit

• Accidental death benefit
• Loyalty cash back
• Grocery benefits
• Family support benefits
• No lapse

Policyholders will be allowed to make monthly, quarterly, semi- annual or annual premium payments.

There is a waiting period of 6 months in the event of natural death.