| PLAN TYPES | LIMITED(A Defined Period) & PERMANENT(Whole Life) |
| MIN TENURE | 5yrs |
| MIN. AGE AT ENTRY(sponsor & spouse) | 18 |
| MAX. AGE AT ENTRY(sponsor & spouse) | 55 |
| MAX ENTRY AGE FOR PARENTS & PARENTS IN-LAW | < 70 |
| MAX AGE AT MATURITY(LIMITED) | 70 |
| MIN PREMIUM | N10,000 PER ANNUM |
| S.A OPTIONS | N250,000 - N500,000 - 1m - 2m |
| S.A FOR LOVED ONES OPTIONS | SPOUSE - 100%, PARENTS/PARENTS IN-LAW - 50% |
| CONTRIBUTIONS | Monthly, Quarterly, Bi-anually, Yearly |
| LIMITED | When d policyholder dies, premium ceases but cover continues & all other nominees will continue to enjoy cover till the end of the term of the policy. If S.A escalation option was applied to the policy, it would cease when the waiver takes effect |
| PERMANENT | When d policyholder reaches the age of 70 or upon death, premium ceases but cover continues & all other nominees will continue to enjoy cover till death. If S.A escalation option was applied to the policy, it would cease when the waiver takes effect. |
| BENEFITS | Repatriation/Remembrance/Hearse(optional) - Payment of an additional amount of 30% on S.A subject to a max. of N500,000 whichever is lower |
| Booster - a bonus of 10% of original S.A subject to an overall max increase of 50%, provided Premiums are paid on or b/4 due date for 2 consecutive yrs. | |
| Escalation(optional) of original S.A anually, owing to Inflation/currency devaluation/cost increases - 5%, 10%, 15%. | |
| Waiver of premium(optional) | |
| Part of contribution is tax deductible (you get a tax credit) | |
| Protected amount is tax-free |