Regular Payouts, Right When You Need Them
Get three cash payouts during your policy. The first two are paid at one-third and two-thirds of your term, and the final payout (including bonuses) is made at maturity. Use them to fund school fees, a business, or any goal that matters to you.
Full Life Cover
If you pass away during the policy term, your loved ones receive the full life cover amount, even if you’ve already received some payouts.
Freedom to Pay Your Way
Pay monthly, quarterly, half-yearly or annually — whatever suits your lifestyle. This plan is built for flexibility, whether you’re salaried or self-employed.
Extra Protection Options (Riders)
You can choose to add more benefits like:
- Accidental death cover
- Disability cover
- Critical illness support
- A funeral benefit These help cushion your loved ones even further if life takes an unexpected turn
Pause if You Need To
Can’t keep up with payments for a while? No problem. You can take a contribution break and restart when things improve — at no extra cost. You can do this twice during your policy term.
Access to a Policy Loan
Once your policy has been active and fully paid for at least 3 years, you can borrow against its value if you ever need a boost.
Tax-Free Maturity Benefit
When your policy ends, your final payout (including bonuses) is paid to you tax-free.
Life happens. If you're unable to make payments, here’s what you can do:
Take a Break
Pause your policy and resume later — your term will adjust accordingly.
Automatic Premium Loan
If your policy has been active for at least 3 years, we’ll keep it running by using the policy value to cover missed payments. This loan will be deducted from your final payout.
Surrender the Policy
After 3 years, you can choose to end your policy and receive a surrender value. This will be less than what you’ve contributed but may help during tough times.
Proactive Strategies to Mitigate Risk
