Life & Personal Insurance

Keyman Insurance

This is an insurance cover purchased by a company on the life of a key person within the organisation to protect the company against loss of profit or cost of replacing the key person in the event of demise. The aim is to compensate the business for losses and facilitate business continuity.

A keyman can be anyone directly associated with the business whose demise can cause financial strain to the business; such person could be an employee, an owner, a director, a shareholder, etc

Benefits of Keyman Insurance:

  • Guarantees ability to meet financial obligation
  • Replaces profit that ordinarily would have been lost
  • Provides funds for meeting the cost of replacing / training a successor

Mortgage Protection

It has been designed to ensure that your family will always have a roof over their head even in the event that the unexpected happens. It is a form of decreasing Term Assurance. It is used to repay outstanding balance on mortgage when demise occurs. Eliminates the risk of one’s family losing its home in the event that you pass on before your home mortgage is paid off. Not a substitute for the primary responsibility of the borrower to repay his credit facility when alive. The benefits are paid directly to the lender i.e. mortgage institution.


They are investment-linked products that have been designed to help you save money according to your needs with the added benefits of affordable insurance plans.

Term Life

With this plan, you simply choose the amount of life cover you need and the length of time for which you need it. This is the simplest and most affordable form of life insurance. This policy provides for the payment of the sum assured only if the life assured passes on within the specified period. Term Insurance does not provide any surrender value. Benefit is payable to the specified beneficiaries on the demise of the policyholder.


It is wise to save for a rainy day, but even more important to choose the right savings plan.

Savings policies offer you a combination of returns on your medium/long term savings and Life Insurance cover.


With education insurance, you can build up funds to finance the education of your children/wards. It also provides financial protection for your children’s education in the event of demise or permanent disability within the duration of the policy.

Travel Insurance

It provides cover on medical, financial and other losses incurred while travelling outside the country of residence. It covers all travelers for holiday and business purposes in the event of accidents, sickness or loss of property.