The amount of insurance you need is dependent on your economic value, that is the income you bring home and your ability to sustain the policy in the long term.

Underwriting is the process through which the Company assesses an applicant’s risk based on answers on the application form, medicals done and any questionnaires submitted to conclude whether or not to approve, deny, or rate up a life insurance policy.

Yes, you will have to undergo medicals through any of our approved medical facilities. This is a risk policy and the Company must adequately assess the risk. The medical tests affirm your state of health thus enabling us to charge a commensurate premium for the risks we choose to accept. The medicals required will depend on your age, amount of insurance coverage and any medical conditions you might have.

Our progressive approach to underwriting allows us to make competitive offers to applicants with pre-existing medical conditions who can show that their condition is well controlled.