Life & Health
Life Assurance
Life protection and investment-linked plans that secure your family's financial position if you are no longer there. We help you size the sum assured against your real obligations — school fees, loans and dependants.
What this policy covers
- Death benefit paid to your nominated beneficiaries
- Terminal illness benefit (where offered)
- Permanent disability benefit (where selected)
- Maturity or savings value on endowment plans
Why arrange it through Hace
- Impartial comparison of insurers and plan structures
- Clear explanation of premiums, terms and exclusions
- Assistance with beneficiary nomination
- Support for your family at claim stage
Optional extensions
- • Critical illness rider
- • Waiver of premium
- • Accidental death benefit
- • Funeral/last expense benefit
Common exclusions
- • Losses that happened before the policy start date
- • Deliberate or fraudulent acts
- • War, invasion and nuclear risks (unless specially arranged)
- • Wear, tear and gradual deterioration
- • Suicide within the first policy year
- • Non-disclosure of material health information
Frequently asked
How much cover do I need?+
A common starting point is outstanding debt plus several years of household expenses and school fees. An advisor will work through the numbers with you.
Is a medical test always required?+
Not always. Smaller sums assured are often accepted on declaration alone; larger ones require medical underwriting.
Ready to arrange life assurance?
Tell us what you need to protect and we will compare the market and come back with clear options.