• The AcDB rider is a valuable addition to your life insurance policy that provides extra financial security for your loved ones. In the unfortunate event of your demise due to an accident, this rider ensures that your beneficiary receives an additional payout on top of the base life assurance benefit.

• This means your family will be paid the full sum assured from this rider, you can enhance the protection your life assurance policy offers, ensuring that your loved ones are financially secure even in unexpected circumstances.

• Purchasing a TPD rider can be a prudent financial decision, offering an additional layer of security in the event of a serious life-altering incident.

• A TPD rider provides financial support if you become permanently disabled and are unable to work after a 6 month period, ensuring that you have the necessary funds to cover living expenses, medical bills, or rehabilitation costs.

• This can be particularly important if you have dependents or significant financial obligations, such as a mortgage, as it helps maintain your family’s standard of living and prevents financial strain.

• Additionally, having a TPD rider can provide peace of mind, knowing you have a safety net in place should unforeseen circumstances arise, allowing you to focus on recovery and adapting to life changes without the added stress of financial insecurity.

• After claim of TPD, the main life assurance cover continues until death and/or maturity whichever comes first.

• It provides peace of mind by ensuring that your insurance coverage remains intact until death and/or maturity whichever comes first, even if you are unable to work due to a severe disability.

• A waiver of premium on TPD ensures that you maintain essential coverage without financial strain during a challenging period in your life.

• In the event that the life insured is diagnosed with a critical illness (CI) while the policy is active, the sum assured related to the Critical Illness benefit will be paid out. This payment is contingent upon the illness being included in the predefined list of critical illnesses covered by the policy.

> Heart Attack

> Coronary Artery Bypass Graft Surgery

> Stroke

> Cancer

> Chronic Kidney Failure

> Permanent Visual Loss in Both Eyes

> Major Organ Transplant

> Paralysis

> Paraplegia

• Once the CI benefit is paid, the rider associated with this benefit will cease to exist, meaning that no further claims can be made under this specific rider.

• On Death: This benefit may be claimed upon your unfortunate demise by your beneficiaries.

• On TPD: This benefit may be claimed if you become permanently disabled and are unable to work after a 6 month period.

• Combined: The Family Income Benefit (FIB) is structured to be paid out monthly to the designated beneficiary until death and/or maturity whichever comes first. This type of payout can help ensure that the beneficiary receives a steady stream of income, aiding in the management of living expenses and other financial commitments during a potentially challenging time.