How To Choose The Right Product?

Group Life and Disability and Permanent Health Insurance

Depending on what the employer can afford as death and /or disability benefit for her employees. This varies from as little as half of annual salary to five times annual for each employee on death or disability.

Permanent Health Insurance

The benefit can be as high as 75% of monthly salary subject to an insurer’s maximum limit.

Group Funeral

Compulsory Scheme

• Depending on what the employer is prepared to pay as funeral benefits for her employees, this is with regard to a compulsory scheme.

Voluntary Scheme

• The employees decide on the benefit structure, which is cost dependent.

Group Credit Life and Group Mortgage

• The financial Institution decides on the maximum amount of loan and the maximum repayment period. They then decide whether they want the product to be AIDS inclusive or not. Rates will then differ depending on the benefits required.