Group Life Assurance Policy
Individual Life Assurance
General Insurance

Group Life Cover

The pension reform Act 2014 establishes a contributory pension scheme and compulsory life insurance policy for organisation with more than 15 employees. This to pension scheme and death in service benefit are now a statutory obligation. The contributory pension scheme also requires employers with 15 or more employees to maintain a life insurance policy in favour of employees for a minimum of three(3) times annual total emoluments.

Classes of Insurance


This policy covers loss or damage caused by violent and forcible entry into or out of the insured is premises.

All Risks

The cost of replacing office contents, equipment, fixtures and fittings.

Rent Receivable

The money received or receivable by the insured for accommodation

For Stock

The cost of Stock and materials in trade of all description which are the property of the insured or held on trust or commission, contained in buildings or in the open on premises, owned or rented anywhere in Nigeria.

Rent Payable

The money paid or payable by the insured for accommodation.

Motor Fleet

Comprehensive cover on various private vehicles including an indemnity in accordance with the provisions of the motor vehicle (Third Party Insurance)Act 1945 and insurance Act 2003)

Public Liability

All sums which the company shall become legally liable to pay to third parties in respect of Accidental bodily injury or damage to property arising from the operation of the company.

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Group Personal Accident

This covers death, bodily injury or disablement to any of the employees caused by accidental, violent, external and visible means. This also covers Local medical expenses and Overseas medical expenses.

For Office Contents, Equipment, Fixtures & Fittings

The cost of replacing office contents, equipment, fixtures and fittings.

For Buildings

(if owned by you or if you are under an obligation to insure it). The cost of reinstating the building and its the structure, landlord ïs fixtures and fittings. This should include all outbuildings, walls, fences, yards, road-ways, underground services and any other interest, which you insured or are made responsible to insure.

Fidelity Guarantee

The cover provides indemnity to the employer for pecuniary loss through misappropriation or fraudulent activities of employees.
The limit of guarantee per person is the maximum amount payable in respect of loss arising from or traceable to a single employee
The aggregate limit per period of insurance represent the total amount that can be paid as claims in anyone period of insurance.