Insurance Company
Home/Products/Life & Pension
Life & Pension

Long-term protection and retirement planning.

Term life, whole-of-life and pension plans . financial security for your family and a confident retirement.

First calculation is provisional. Final premium confirmed after document review.
A short explainer covers what the insurance solves, what documents to prepare, and how the review works.
What's covered

At a glance: Life & Pension

What it covers
  • Death benefit payable to your beneficiaries
  • Critical illness lump-sum (optional)
  • Total & permanent disability
  • Premium waiver in case of disability
  • Pension savings with guaranteed and unit-linked options
Who it's for
  • Parents and partners protecting dependents
  • Mortgage holders matching cover to outstanding loan
  • Self-employed building their own pension
  • Anyone planning for retirement income
When it helps

Typical situations where this product helps

Family income protection

A lump sum keeps your family in their home and lifestyle if something happens to you.

Mortgage protection

Decreasing term policy matched to your mortgage balance . affordable peace of mind.

Pension top-up

Voluntary contributions on top of your AOV for a meaningful retirement income.

Critical illness

Tax-free lump sum on diagnosis of covered conditions to focus on recovery.

The fine print, made simple

What's included and what's not

Included
  • Death benefit (any cause)
  • Terminal illness advance payment
  • Premium waiver on disability
  • Beneficiary updates anytime
  • Annual statement and pension projections
Not included
  • Suicide within the first 24 months
  • Death from undisclosed pre-existing conditions
  • High-risk activities not declared (e.g. skydiving)
  • Acts of war
Before you start

Documents required

3 required, 2 optional. PDF, JPG and PNG accepted.

  • Valid ID or passport
    Required
  • Medical questionnaire (we provide it)
    Required
  • Beneficiary details
    Required
  • Recent medical exam (for higher coverage)
    Optional
  • Proof of income (for pension contribution limits)
    Optional
How it works

How the quote process works

  1. 1
    Coverage need

    How much cover, for how many years, who are the beneficiaries.

  2. 2
    Health questionnaire

    Online questionnaire; a medical exam may be requested for high sums insured.

  3. 3
    Provisional indication

    Indicative monthly premium based on your age, term and cover.

  4. 4
    Underwriter review

    Medical underwriter reviews and confirms final terms within a few days.

  5. 5
    Advisor signs you up

    Policy issued with a free 30-day cooling-off period.

Provisional calculation disclaimer: This is a provisional calculation based on the information provided. The final premium, coverage and acceptance are subject to document review and approval by a sales advisor.
If something happens

How claims work

  1. Step 1
    Beneficiary contacts us

    Phone or portal . we guide the family through the process.

  2. Step 2
    Documents required

    Death certificate (or medical report for critical illness).

  3. Step 3
    Payout

    Lump sum paid to declared beneficiaries, usually within 10 working days.

What affects the price

Premium factors

Age and genderSum assured and termSmoker status and healthOptional riders (critical illness, disability)Pension contribution amount
Good to know

Frequently asked questions

Get covered today

Start your life & pension in minutes. No paperwork.

Get your provisional calculation now, or talk to an advisor for tailored guidance. It's free and takes less than a minute.

Talk to an advisor
Provisional in 60 seconds No credit card needed Advisor support included
Browse all products