PROTECTION BENEFITS

• Guaranted life cover (the life cover is payable on death within the term of the plan)
• Permanent and total disability
• Accidental death double indemnity
• Passive war risk

      MEDICAL REQUIREMENTS

• Application form
• Physical examination including microscopic urinalysis
• Chest X-Ray
• ECG, resting and effort , except for lives aged 35 or less where an echocardiogram is required
• Pulmonary function tests including FVC,FEV1,PEFR
• Full blood tests including FBC,ESR,LIPIDS,KET'S ,GTT AND PSA for males aged over 50

      additional requirements

• HIV-HIV(1&2) blood test is required for sums assured in excess of USD 300,000  and for all ages
• FQ- Financial questionere completed and signed by applicant is required for sums assured in excess of USD 500,000
• FE- Financial Evidence by a third party (letter from lending bank , auditor's letter or report etc...) is required for sums assured inexcess of USD 1,000,000
• KM- A three year's company report and accounts will be required for business /Keyman cover in excess of USD 2,000,000