Life & people
4
Accident & Miscellaneous
Cover for injury to people and for losses caused by the dishonesty of those you employ.
Life & Health
Cover for individuals, families and staff, from medical schemes through to keyman protection.
- Covers
- 4
- Typically for
- Individuals, families, and employers building a benefits package.
In practice
Life and health cover is bought for two quite different reasons: to protect a family, and to hold a workforce together. Group schemes are usually cheaper per head than individual policies and are underwritten on the group rather than on each member, which is what makes them workable for employers.
For businesses, keyman cover is the one most often overlooked — it protects the company’s earnings rather than the individual’s family.
What it covers
4 covers
- Personal and Group Life
- A lump sum on death, arranged for an individual or for a whole workforce under one scheme.
- Medical
- In- and out-patient treatment for individuals, families or staff, against a chosen provider network and annual limit.
- Funeral
- A defined benefit paid quickly on death to meet funeral costs, usually covering the member and named dependants.
- Keyman Insurance
- Pays the business if a key individual dies or is disabled, covering lost profit and the cost of replacing them.
Cover names are those used in the Zambian market; the exact scope of any policy depends on its wording and endorsements. We will set out what a quotation does and does not include before you bind it.
Get in touch
Ask about life & health
Tell us what you need to cover and a broker will come back with options from the licensed market. There is no charge for a quotation.
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Cover for crops, livestock and yield, including weather index parametric products.
Business insurance
2
Liability
Cover for claims brought against you by third parties, including claims arising from professional advice.