As a family’s breadwinner, you should ensure that the future of dependents is secured in the event of an untimely death by getting this policy. Because of its relatively low premium cost and flexible terms ranging between 1 to 30 years families from all income levels are covered and the best thing is that loans can be secured without any surrender value.

CIC Family Protector has been designed with the specific purpose of securing the welfare of dependents in the event of the untimely death of the breadwinner. Premiums varies based on the age band and policy term.

The policy provides a shared life cover that pays on the first death of any declared family member. The policy runs for a term of 5 years, premiums are payable annually or as a single premium.

The product provides cover for funeral expenses to declared family. The product covers self, spouse, four children below the age of 18 years and a total of two parents be they parents or parents-in-law.

This solution caters for the last expense to ensure that the people of Malawi living in the Diaspora receive a dignified funeral and return home in the unfortunate event of death.

The cover provides a shared cover in case of the death of either of parents, spouse, children or siblings who live in Kenya. 

The sum assured provided can be used to purchase a travel ticket and for contributions towards the funeral expense for the departed. The amount is payable once on the first demise of any of the above dependents during the insurance period.