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Select employee's
cover to view a Quick Quote:
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Funeral Cover:
Principal Life
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TOTAL PREMIUM:
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Principal Life's
Age?
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Funeral Cover
Amount?
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QUICK QUOTE
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Select the Policy
term:
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Funeral
Cover
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Increase savings
pm?
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Principal
Life
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Principal Life
must be aged 18 to 54.
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Spouse
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Funeral Cover:
Spouse & Children
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Children
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Need SPOUSE cover?
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Parents
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Need CHILD cover?
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Cover Amount/s:
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Wider Family
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1 Spouse aged 18
to 54 & 5 Children aged 0 to 24 allowed.
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Funeral Cover:
Parents & Parents-in-law
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Defined
Debility Cover
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Principal
Life
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Spouse
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Savings Benefit
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Maximum
4 Parents & Parents-in-law aged 0
to 75 allowed.
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0 %
Escalation pa
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Funeral Cover:
Wider Family
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5 %
Escalation pa
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10 %
Escalation pa
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* T&C's
apply for illustrated & guaranteed return.
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Double
Accident Benefit
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Pays amount equal to the funeral cover in event of the PRINCIPAL
LIFE’s death in an accident.
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Maximum
4 Wider Family aged 0 to 75 allowed.
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Burial
Repatriation Benefit
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Defined Debility
Cover
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Funeral support service for ALL INSURED LIVES, aiding with
transport of mortal remains and funeral arrangement.
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Escalation
Benefit
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Optional premium increase of 5% or 10% to protect cover amount
against inflation risk.
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More about the
benefits the Masterplan Policy offers:
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Compulsory
Benefits
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The benefits
discussed below are compulsory benefits and are linked to the principal life
assured.
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Funeral Cover
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Savings Benefit *
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The benefit pays out the cover amount, including escalations if
applicable, on the event of death of the principal life assured.
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It is a
recurring premium, unit-linked, endowment savings plan with a term equal to
the policy term, providing for the payment of a guaranteed maturity value.
Included in the premium for the plan selected.
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* T&C's apply to guarantee offered.
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Automatically
Included Benefits
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There is no additional premium charged for these benefits which
are automatically included in the premium. The benefit starts from cover
start date.
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Double Accident
Benefit
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Burial Repatriation Benefit
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This benefit pays an additional amount equal to the Funeral
Cover amount, including escalations if applicable, on the event of accidental
death of the principal life assured.
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The benefit
is a funeral support service which provides for the transport of the mortal
remains and funeral arrangement assistance in the event of death of the lives
assured.
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Escalation Benefit
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The benefit
also provides for: Transportation
arrangements for a single relative, accommodation for a maximum of one night,
Legal assistance regarding the funeral procedures, assistance in the
arrangement of a funeral or cremation and assistance in obtaining a death
certificate.
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It protects the benefits that pay out a cover amount against the
rising cost of living by increasing the premium and the cover amount each
year by the selected percentage.
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Optional Benefits
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The Optional
Benefits can be selected at the start of the policy or at any time after at
an additional cost.
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Family Funeral
Cover
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Defined Debility Cover
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The benefit pays out the cover amount, including escalations if
applicable, on the event of death of the life assured.
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The benefit
pays out a percentage of the cover according to the severity of the debility,
including escalations if applicable, in the event of the life assured
suffering a listed impairment. Principal life assured and Spouse, aged 18 to
54, is eligible.
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Spouse: 18 – 54 years
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Children: 0 – 24 years (ends on
their 25th birthday)
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This
benefit pays the cover amount or % of the cover amount, for the permanent
loss or loss of use of one limb/s, - of foot or feet, - hand or hands, -
sight in eye or eyes, - hearing in ear or ears or the loss of speech.
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Parents and parents-in-law: Ages 26
to 75
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Wider Family: Ages
0 to 75 years (Parents, grandparent, grandchild, niece, nephew, brother-
& sister-in-law, etc. )
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Additional
Savings Benefit
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The same rules that apply to the compulsory savings benefit
applies to the additional savings benefit (i.e. same rules with regard to
guaranteed maturity values, term, allocation percentages, investment
portfolio and surrender rules & penalties).
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If the additional Savings Benefit is selected the premium is
added to the compulsory savings premium and together this creates one savings
premium.
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