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PRODUCT SUMMARY
Preserve What Matters. Structure What’s Next.
International Assurance’s Individual Life Insurance Policy is a flexible and affordable protection solution designed to help individuals safeguard their families against financial uncertainty. The policy provides structured life cover and may be extended to include disability and critical illness benefits, supporting long-term financial security across a wide range of personal and professional circumstances.
Distributed through Independent Financial Advisors, the Individual Life Insurance Policy enables policyholders and clients across Africa and internationally to access comprehensive protection with affordable yearly premiums. Cover may be structured to provide financial support in the event of death, Total Permanent Disability (TPD), or the diagnosis of a covered Critical Illness (CI), with benefits payable in major hard currencies and to beneficiaries worldwide, subject to policy terms and applicable regulations.
Designed with internationally mobile individuals in mind, coverage may remain in force even if the policyholder relocates, making it particularly suitable for expatriates and globally active professionals. Premiums are calculated based on individual risk factors, including age, health, lifestyle, occupation, income, and country of residence.
The policy is supported by globally recognised, AA+-rated reinsurance partners, providing institutional-grade risk backing and reliable cross-border protection. Through its combination of affordability, portability, and flexible benefit design, Individual Life Insurance offers a practical and dependable solution for long-term personal and family protection.
INDIVIDUAL LIFE INSURANCE
TAILORED PROTECTION FOR YOU AND YOUR LOVED ONES WHEREVER LIFE TAKES YOU
KEY BENEFITS
Affordable Premiums
Competitive premiums, subject to underwriting.
International Coverage
International coverage across Africa and other selected jurisdictions
Flexible Terms
Flexible policy terms: 1-year, 5-year, or whole-of-life cover
Customisable Add-Ons
Customisable add-ons, including Critical Illness (CI) and Total Permanent Disability (TPD)
Benefit Payout in Preferred Currency
Hard-currency benefit payouts in USD, EUR, or GBP
Backed by Global Reinsurance Leaders
Supported by AA+ rated global reinsurance partners
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FAQs
Individual Life Insurance provides financial security for your loved ones if the unexpected happens. It can help protect family income, support estate planning objectives, cover outstanding liabilities, fund business succession arrangements, and provide long-term peace of mind for you and your beneficiaries.
Individual Life Insurance is available to eligible individuals aged 18 to 65, subject to underwriting and policy acceptance criteria. Coverage is designed for professionals, business owners, families, expatriates, and internationally mobile individuals seeking long-term financial protection.
Yes. Medical underwriting is typically required to assess eligibility and determine premium rates. Depending on the level of cover and personal circumstances, medical requirements can usually be completed in your country of residence.
Yes. Individual Life Insurance is designed to adapt as your circumstances evolve. Subject to underwriting and policy terms, you may be able to increase or adjust your level of cover, add optional benefits, or review your protection needs over time.
Premiums are determined based on several factors, including your age, health profile, occupation, lifestyle, country of residence, coverage amount, policy term, and any additional benefits selected. Your financial advisor can provide a personalised quotation based on your requirements.
Approved claims are paid to the nominated beneficiary or beneficiaries in the currency specified under the policy, typically USD, EUR, or GBP. The tax treatment of benefits will depend on the beneficiary's country of residence and individual circumstances, and independent tax advice should be obtained where appropriate.
Yes. You can nominate one or more beneficiaries to receive policy proceeds in the event of a valid claim. Beneficiary nominations can generally be reviewed and updated as your personal circumstances change.
Yes. Individual Life Insurance is designed for internationally mobile individuals and expatriates. Subject to policy terms and insurer approval, cover can generally continue if you relocate to another country.
Depending on the policy selected, optional benefits may include Critical Illness Cover, Total Permanent Disability (TPD), Accidental Death Benefit, Income Protection, Funeral Benefit, Key Person Insurance, and Buy-Sell Insurance arrangements.
Policies are generally issued and benefits paid in major international currencies, including USD, EUR, and GBP, helping protect beneficiaries from local currency volatility.