Please read the following terms and conditions carefully before submitting your claim:

• No joining fee required.
• A waiting period of six (6) months applies. A reduced waiting period of three (3) months applies in cases of accidental death.
• In the event of accidental death, your beneficiaries get 100% payout, with no waiting period.
• We do not conjointly conduct funeral services with other funeral service providers.
• If no premiums are paid for two consecutive months, the policy will lapse on the third of the third month. Reinstated policies will be subject to the policy's initial waiting period.
• Benefits will not be paid out in cash.
• Claims not made within 6 months after death will not be accepted and approved.