Group Life & Disability Insurance
The same benefits for all
All your employees enjoy the same benefits – regardless of their age or the nature of their role.
Low cost premiums
The premiums for our Life & Disability Insurance are affordable and competitively priced.
Comprehensive cover
Our Life & Disability Insurance provides maximum cover in the event of death or disability. We pay a lump sum to the estate of a person who has died from any cause – and also a benefit to anyone who suffers permanent disability and is unable to work again.
Critical illness
We can additionally include optional critical illness cover. The benefit is paid if any of up to 40 serious conditions are diagnosed - such as cancer, heart disease or a stroke.
Partial disability
Our policy also covers people who suffer a partial disability such as the loss of their sight or a limb. In cases like these we will pay a percentage of the sum assured.
Key Person plan
The Optimum Global Key Person plan complements our Life & Disability policy. It compensates any business that loses a key member of their organisation through death or serious disablement.
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