With Real Life, flexibility comes as standard.

If you want even more choice, there are a number of additional benefits you might want to consider.

• Accidental Death Benefit
  In the case of accidental physical injury that leads to death within 90 days, the sum insured of the accidental death benefit will be paid to your chosen beneficiary.
• Critical Illness
  In the event of critical illness* the sum insured will be paid to your chosen beneficiary.

*Critical illness is defined as one of seven specific illnesses: heart attack, coronary artery disease surgery, cancer, stroke, kidney failure, paraplegia and paralysis, and major organ transplant.

• Permanent & Total Disability
  In the event of Permanent and Total Disability* you will receive the sum insured of this additional benefit.
• Waiver of Premium
  Should you suffer from Permanent and Total Disability*, you will not have to pay any more premiums.

*This means physical disablement as a result of an accident or sickness that entirely prevents life insured from attending to or performing his/her usual business or occupation, or any other occupation for which the life insured is suited by means of training or experience. This must last 12 calendar months and at the expiry of the said period, the Life Insured is beyond hope of improvement.