Free life cover of N250,000. Additional life cover over this minimum subject to a maximum of N500,000 could be purchased. There is also the option to cover critical illness and accidental Permanent Total Disablement. Where this is chosen, if the policy holder is diagnosed with a critical illness covered by this policy (cancer, stroke, heart attack, kidney failure, coronary artery by-pass graft and coronary angioplasty) or sustains an injury, the amount selected as sum assured at inception of the plan is payable along with the accumulated amount in the policy holder’s account as at time claim. If you need money to pay school fee expense, you are allowed to make at most one partial surrender annually, beginning from the end of the first policy year. (subject to a minimum of N50,000 and a maximum of 25% of account balance).