Super E – Plus
Super Education Plus Policy or Endowment with 6 Consecutive Cash Bonuses is an Endowment Life Insurance Education Policy which in addition to the various benefits offered,provides an attractive short term investment with a guarantee of Cash Bonuses payable for 6 consecutive years up to the maturity date. This policy is ideal for education but could also be used for short-term plans such as payments for marriage, holidays, land, motor vehicle, mortgage deposit as well as business beginning capital or retirement benefit package.

The policy shall provide security and protection as follows:
 Natural Death: If the insured dies, the company will:
- Waive future premiums –
- Pay immediately 50% of the principal sum –
- Pay total bonus of 130% of the principal sum –
- Pay principal sum at maturity –
 Accidental Death: On the accidental death of the insured, the company will:
- Waive future premiums –
- Pay 100% of the principal sum immediately –
- Pay total bonuses of 130% of the principal sum –
- Pay principal sum at maturity –
 Living Benefits: If the insured contracts for the first time any of the listed critical or terminal illnesses, the company will:
- Waive future premiums –
- Pay 50% of the principal sum immediately –
- Pay total bonuses of 130% of the principal sum –
- Pay principal sum at maturity –
N.B. LISTED CRITICAL ILLNESSES ARE:
Cancer, Stroke, Heart Attack, Kidney Failure, Paraplegia or Paralysis, Coronary Artery Disease, Major Organ Transplant, e.g. Kidney transplant.

For more details …………….
MONEY BACK EXTRA CASH
(4 YRS CASH BACK)

The Money back Extra Cash policy or Endowment with 4 yearly cash bonuses is an Endowment Life Insurance policy which in addition to the various benefits offered, provides an attractive short term investment with a guarantee of 20% of the sum assured as a Cash Bonus payable every 4 years, up to the maturity date. This policy is ideal for short term plans such as payments for education, marriage, holidays, land, motor vehicles, furniture etc.

Minimum term 10 years, maximum 25 years.
Provides insurance against natural death, accidental, loss of limbs or eyes, and total permanent incapacity due to illness or accident. Has various optional benefit which can be purchased to make it even more comprehensive.

For more details ……………..
MONEY BACK EXTRA CASH
(5 YRS CASH BACK)
The Money back Extra Cash policy or Endowment with 5 yearly cash bonuses is an Endowment Life Insurance policy which in addition to the various benefits offered, provides an attractive short term investment with a guarantee of 25% of the sum assured as a Cash Bonus payable every 5 years, up to the maturity date. This policy is ideal for short term plans such as payments for education, marriage, holidays, land, motor vehicles, furniture etc.

Minimum term 10 years, maximum 25 years.
Provides insurance against natural death, accidental, loss of limbs or eyes, and total permanent incapacity due to illness or accident. Has various optional benefit which can be purchased to make it even more comprehensive.

For more details ……………..
ELIMU BORA POLICY
This policy is designed to cater for the future education needs for children aged between one and 12 years. The policy offers 5 annual cash payments of 20% of the sum assured. The first payment begins on the policy anniversary date, after the insured child attains age 13 up to and including the anniversary date after the insured attains age 18. These cash bonuses are paid to the premium payer to enable him/her pay fees for the insured child.

Cash payments of 20% of the sum assured is paid every year for five years.

BENEFITS OF ELIMU BORA POLICY TO YOU AND YOUR FAMILY
1) Death of the Premium Payer
On the death of the policy owner/beneficiary
 The company waives all future premiums
 Bonuses and maturity value is paid when they fall due.
2) Death of the Insured (Child)
 If the insured dies before the maturity date, the amount payable is as prescribed in the policy document.
 The policy terminates.
3) Maturity
On the policy anniversary date, immediately after the insured’s 18th
birthday, 100% of sum assured shall be payable to the premium payer(parent or guardian) if alive or to the insured if otherwise.
OTHER BENEFITS (OPTIONAL)
1. Disability/Waiver of Premiums Benefit
In case the premium payer becomes disabled due to accident or illness;
 All future premiums are waived.
 All unpaid bonuses are paid when they fall due
 Sum Assured is paid on maturity
2. Family Income Benefit
In case the premium payer dies, the policy provides a selected monthly income payable every month until maturity. Minimum – Kshs. 2,000 p.m. Maximum – Kshs. 15,000 p.m.
3. Funeral Expense Benefit
The policy provides payment of a specified amount for funeral expenses incase the premium payer dies. Minimum – Kshs. 20,000; Maximum – Kshs. 100,000
4. Child Hospitalization Benefit
In case the insured (child) is hospitalized due to an accident, the policy pays a fixed amount per day (Minimum – Kshs. 2,000; Maximum – Kshs. 5,000) for a maximum of 30 days.
5. Premium Discount Benefit
Premium discount of 10% offered for premiums in excess of 5,000 and 15% discount of premiums more than 10,000.
6. Loan Facility
After the policy has been in force for at least 3 years and is paid to date, if need be you can apply for a policy loan.
CONTACTS
David Wanyeki Kago
Sales Representative
British American Insurance Limited
Mobile: 0723 846 873
Email: wanyekikago@gmail.com