Personal Cover
Peace of Mind.
Protection, Always.
The Value of Personal Cover
Protection that puts family first
Life is unpredictable. Without proper protection, the financial impact of losing your family's primary provider can be devastating, while covering everyday expenses, mortgage repayments, or unexpected debts may fall heavily on loved ones. You can shield your family from financial hardship and preserve their standard of living, ensuring they are supported even if you are not there.
Death Benefit
A lump sum is paid to your nominated beneficiaries when it matters most, providing immediate financial support. Cover starts from US$100,000, with no maximum limit.
Critical Illness Benefit
If diagnosed with a specified critical illness, you will receive a payout to ease financial strain and allow you to focus on recovery. Cover ranges from US$100,000 up to US$1 million, not exceeding the death benefit.
Disability Benefit
If you become disabled due to accident or illness, the cover will help you maintain financial stability and independence. Cover ranges from 50% of the death benefit up to a maximum of US$3 million, not exceeding the death benefit.
Terminal Illness
If diagnosed with a terminal condition, the life cover provides financial support to you and your loved ones when it is most needed. This benefit is automatically included and equal to the death benefit.
Indexation
Keep your cover aligned with inflation: your sum assured automatically increases by 5% each year. With indexation, cover grows annually while premiums adjust by 6.7% to reflect age and added protection.
Making sense of
Personal Cover
Frequently Asked Questions
Choosing the right cover can feel complex, but it doesn't need to be. Here we answer some of the most common questions to help you understand how personal protection works for your financial security.
Have more questions?What is the Personal Cover policy?
The policy is a fixed term insurance policy which offers life cover for up to two lives. You can choose to have a policy on your own or with your spouse or civil partner.
Who is eligible to apply?
The policy is available worldwide to individuals aged 19 to 70 at the time of application, offering flexible protection no matter where you live or work.
How is the premium determined?
We take various factors into account when calculating your premium. These include the amount of coverage you want, your age, gender, country of residence, and whether you smoke.
Can I make changes to my policy?
You can make changes to your policy, including increasing or decreasing the amount of cover. Increases may require updated medical information or examinations.