LIFE INSURANCE

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• Access  to leading life insureres in Malta and abroad
• The ability to tailor-make policies according to the needs of our clients
• Expertise in finding the right product for each client including cover for high risks such as under average life risks
• Facility to cover high sums insured and to work with financiers to cover unusual risks 

• Standard policies such as level term, loan protection and savings policies
• Retirements plans
• Policies for children
• School fees insurance policies
• Key person insurance
  

Complementary covers include medical insurance and personal accident insurance. 

These policies provide protection in the form of Life Insurance for a fixed period. The level of Life Assurance (also known as the sum insured) is either level throughout the term of the policy, in the case of a level term policy, or reduces by a fixed percentage every year throughout the term of the policy. The sum assured is paid only once upon the death of the life assured. 

This policy provides a combination of protection and savings whereby another part of your premium buys a life cover (the sum assured) while another part of your premium earns bonuses. On the specified maturity date, the policy account is paid. If the insured dies before the maturity date, the higher of the endowment or the policy account is paid. This policy also carries a cash surrender value should the policyholder want to terminate it before the maturity date. 

 These are unit-linked life insurance policies in which a portion of the premium is used to purchase life cover (the sum insured) and the balance invested in authorized Collective Investment Scheme/s. The return on the policy is thus linked to the performance of the units in the Collective Investment Scheme/s. On the specified maturity date, or if the Life insured dies before the maturity date, the higher of the life cover or the policy account is paid. The policy also carries a cash surrender value should the policyholder want to terminate the policy before the maturity date. The allocation of Policy Units under the Policy is purely notional and solely for the purpose of calculating the benefits there under and the Policyholder, Beneficiary or the Life Insured shall have no legal or beneficial interest in the Policy Units, any of the underlying investments of the funds or any income arising there from nor in the funds themselves, all of which are, and shall remain in, the absolute ownership of the insurance company. 

This is a policy which is fully paid with the initial premium (known as the single). After deducting the specified policy charges the premium is invested in either authorized Collective Investment Scheme/s or directly into the life fund of the insurance company depending upon the type of single premium policy. On the specified maturity date the policy account is paid. If the Life insured dies before the specified maturity date, payment under the policy to the beneficiary is 101% of the policy account. The policy also carries a cash surrender value should the policyholder want to terminate the policy before the specified maturity date. The allocation of Policy Units under the linked-long term policy is purely notional and solely for the purpose of calculating the benefits there under and the Policyholder, Beneficiary or the Life Insured shall have no legal or beneficial interests in the Policy Units, any of which are, and shall remain in, the absolute ownership of the Company. 

If taken in addition to the policy main benefit, this benefit is an addition to the death benefit paid to the beneficiary, should death occur due to an accident. There can be certain exclusion and different premium levels based on underwriting requirements. Time and age limits may also apply. A claim on this additional benefit terminates the policy. 

If taken in addition to the policy main benefit, this benefit is an addition to the death benefit paid to the beneficiary, should death or dismemberment occur due to an accident. There can be certain exclusions and different premium based on underwriting requirements. Time and age limits also apply. A claim on this additional benefit terminates the policy. 

This is an additional benefit to the main life insurance benefit. This benefit covers the life insured in case of injury which renders him/her unable to work in an own or in any occupation for which he/she is suited by training, education or experience. There can be certain exclusions and different premium based on underwriting requirements. Time and age limits may also apply. A claim on this additional benefit terminates the policy.