In the event that the principle insured or their family die as a result of an accident, funds are paid to the beneficiaries to cover ongoing expenses.

In the event that the principle insured or their family are permanently disabled as a result of an accident, funds are paid to the principle insured to cover medical or any other expenses.

This provides the principle insured's family with funds in the event of their death either through illness, natural causes or an accident.

The cover can be selected based on the principle insured's needs for example if they have dependants they may require more cover than those without dependants.

This benefit is to provide an income in the event that the principle insured is unable to work in their current job and is subject to a maximum of 100% of their salary for a period of two years.

It is an important component of insurance both for the principal insured and their employer.

In the event that the principle insured or their family die as a result of an accident or from natural death a cash amount is paid to the beneficiary.