Starter
₦2,100a month, from
- ₦5m cover for ages 18 to 30
- Funeral advance of ₦500,000
- No medical for most people
Age 29
Chapter: Marriage, from age 29
Life cover
A lump sum for the people who depend on you, paid within 10 working days of a complete claim. Term cover from ₦5m to ₦200m, priced by age, not by guesswork.
From ₦2,100 a monthexample
Why it matters here
Life cover for how life really works in the South West
In many families one income carries rent, school fees and support for parents back home. Life cover keeps those promises going if that income stops, without the family having to sell land or borrow from relatives.
- 01
Death from any cause
After the first year. Accidental death is covered from day one.
- 02
Permanent disability
The full sum if illness or injury stops you from ever working again.
- 03
Critical illness add on
A part payment on diagnosis of listed conditions, such as stroke or kidney failure.
- 04
Funeral advance
Up to ₦1m paid within 48 hours to help with burial arrangements.
- 05
Mortgage protection
Cover that falls in line with your mortgage balance, at a lower price.
- 06
Beneficiary choice
Name your spouse, children or a trust, and change them online at any time.
Price your life cover
Example rates for this demo, not an offer. A person on the team checks every quote before cover starts.
Get my full quotePlans
Three ways to be covered
Prices are example monthly amounts from our rate card. Pay monthly, quarterly or yearly by card, transfer, direct debit or POS at any branch.
Most chosen
Family
₦6,800a month, from
- ₦25m cover
- Disability cover included
- Funeral advance of ₦1m
Family Plus
₦14,200a month, from
- ₦60m cover
- Critical illness add on
- Free will writing session
Claims
How a life claim moves
Every step shows in your account, with the name of the person handling it.
- Day 0
A family member calls
Our bereavement team takes the details gently, in English, Yorùbá or Pidgin.
- Day 2
Funeral advance
Part of the money is released to help with burial, before the full claim is complete.
- Day 7
Documents
We help collect the death certificate and identity documents. A home visit if needed.
- Day 10
Full payment
The balance is paid to the named beneficiaries (example timing for a complete claim).
We took Family cover the month after our introduction ceremony. It costs less than our data plan and my wife sleeps better.
Honest limits
What this cover does not do
Read these before you buy. The full policy wording is in your account and at every branch.
- Death in the first year from an illness you knew about and did not tell us
- Self inflicted injury in the first year
- Taking part in armed conflict
Questions
Life cover, answered
Do I need a medical exam?
Not for cover up to ₦30m under age 45. Above that we arrange a free check at a partner clinic near you.
Can my cover go up as my family grows?
Yes. Add cover at marriage, a birth or a new home without new medical questions, up to ₦20m each time.
Who receives the money?
The beneficiaries you name. If you name none, the money goes to your estate, which can take much longer.
Is it a savings plan?
No. Term cover pays only if you die or become disabled during the term. That is why it is so affordable.
Next on the timeline
People with this cover often add
Ready to cover your marriage?
A quote takes two minutes, and a person on the team checks it before your cover starts.