Solutions Tailored For Every Stage Of Life
Aster Sunrise Plan
The product is designed to help parents / guardians secure the future education of their children and wards. Every parent or guardian desires to see their dreams for their children fulfilled, and this plan offers a smart way to achieve those educational aspirations.
Eligibility Criteria
| Eligibility | Age |
|---|---|
| Minimum age at entry for policyholder | 18 years |
| Maximum age at entry for policyholder | 55 years |
| Maximum age at entry for beneficiary | 25 years |
Plan Benefits
- Investment benefits (Maturity of Policy)
- Partial withdrawals
- Surrender or cancellation of the policy
- Death benefits
Aster Sunset Plan
This policy provides immediate cash pay-out to cover funeral expenses of treasured ones in the event of death of the main life and other covered lives. The product is a pure risk policy designed to enable individuals meet their financial obligations related to funerals.
- • 100% of the sum assured to the Principal
- • 100% of the sum assured to the Principal's spouse
- • 60% of the sum assured to any other life covered
Eligibility Criteria
Principal Life Assured, his/her spouse, child, extended family shall be eligible for cover provided they are in good health and fall within the ages below:
| Assured | Inception Age |
|---|---|
| Policyholder | Between 18 and 59 years |
| Spouse | Between 18 and 59 years |
| Child | Less than 21 years |
| Extended Family | Not more than 74 years |
| Parents | Not more than 74 years |
| Parents-in-laws | Not more than 74 years |
Plan Benefits
- Life Assurance (Death) benefits.
- Accidental Death benefits (only applicable to the policyholder) – This benefit shall be twice the sum assured of the Policyholder.
- Cashback – Payment of 5% of total premiums paid provided no claim has been made and all premiums due have been paid.
- Waiver of Premium (which applies to policyholders below the age of 55).
Aster Legacy Protection Plan
It is a term product designed with the aim of providing financial protection for the policyholder. It covers events where the policyholder either passes on prematurely, becomes permanently disabled or suffer from predefined critical disease during the term of the policy. In such events, the policy pays a lump sum to help mitigate, if not eliminate the associated financial hardships.
The plan includes a Medical Second Opinion cover which provides access to medical experts for accurate diagnosis of critical illnesses and recommendations for the best treatment plan.
Eligibility Criteria
| Eligibility | Age |
|---|---|
| Minimum age at entry for policyholder | 18 years |
| Maximum age at entry for policyholder | 59 years |
Plan Benefits
- Death Benefit: Payment is made in the event of the death of the life assured. The minimum sum assured is GH¢50,000, and the maximum is GH¢1,000,000.00.
- Total Permanent Disability: This benefit involves a payout of the selected sum if the main life suffers permanent disablement due to an accident.
- Critical illness: The policy will pay up to 50% of the death benefit if a named and defined condition (as per the policy document) is diagnosed.
- Medical Second Opinion cover: The policy will cover the cost associated with the confirmation of diagnoses and the treatment plan.