Tel. +255 762 100 008 | P.O. Box 173, Arusha – Boma Rd, Clock Tower

  • WHY US?

    We design plans to build a “wall of protection” based on your needs. We begin with a thorough risk analysis and evaluation. We then look for the most reputable and the strongest insurer who can offer us the best package in the most cost effective way.

  • Have Questions?

    Fill out the form below and someone will get back to you shortly. Or visit our office on Boma road.

  • Individual Life Assurance

    In its simplest form, life assurance is a promise between an insurance company and you, the policy owner. It covers an individual (single life) or sometimes said to be a life assurance plan on one life. As the policy holder you pay a specified amount of money (premium) to the insurance company. In return the insurance company will pay a certain amount of money (death benefit) to the beneficiary you assign in the event of your death.

    There are several types of life assurance. Endowment Assurance only provides a death benefit for a limited period of time. Whole Life Assurance can provide a death benefit and the potential to build policy cash value that you can access during your lifetime using policy loans and withdrawals. Whole Life Assurance can also offer the flexibility to increase or decrease your death benefit as your needs change, as well as the potential to reduce or skip premium payments.

    Plans provided under individual Life assurance include:

    This is a life insurance policy which is guaranteed to remain in force for the insured's entire lifetime, provided required premiums are paid, or to the maturity date.

    Contract designed to pay a lump sum after a specific term (on its 'maturity') or on death. Typical maturities are five, ten, fifteen or twenty years or up to a certain age limit. Some policies also pay out in the case of critical illness.

    If the assured survive to the policy maturity he/she is paid sum assured, if the assured dies the dependents will be compensated the sum assured.

    The Term and Pure Endowment are said to be the subset of Endowment Assurance.

    This policy provides for the payment of a sum at the end of a given term provided that the life assured is then living. In its purest form there is no payment whatever if the life should die before the expiry of the term.

    Under the modified form of pure endowment the payment is made if death occurs before maturity

    This payment may be:

    • A return of premiums paid, with or without interest
    • A return of premiums paid, excluding the first premium with or without interest.

    Sometimes is known as a temporary assurance is the type of life policy which provides the payment of the sum assured only if the life assured dies within a defined period. If the life assured survives the period, the assurance comes to an end and there is no payment by the assurer by whom the premiums are retained.

    This is an ordinary term assurance for a period of years (10yrs to 20 years) but gives the assured an option to convert to an ordinary whole life or endowment assurance.

    The option can be exercised at any time except during the last few years of the selected period.


    Before you can purchase life insurance, you need to qualify for it.

    We will ask you to provide us with information that we then use in what is called underwriting. This is the process that an insurance company uses to determine the risk of

    Second, all of this information is provided to an underwriter, this is someone who is specially trained to assess your application and determine what risk, if any, exists. Once all of your information has been reviewed, the company will either approve or deny your request. That process can take days or weeks depending on the information received.

    Lastly, your agent will contact you and go over the results of your underwriting and details of your policy.