Product Benefits

  • No underwriting for your convenience
  • Return on Investment: Flexible but high return
  • Critical Illness Benefit: FREE up to 25% of sum assured (if policy duration is over 5 years and there is no withdrawal in the first 5 years)
  • Permanent Disability Benefit: 200% of the sum assured
  • In the event of demise, the sum assured together with the account balance
  • Succour in the event of demise, permanent
  • Disability or critical illness
  • Premiums are tax deductible

features of Smart Senior

  • Wapic Smart Seniors Plan is an insurance solution that provides you the opportunity to save funds toward a retirement with an embedded Insurance cover
  • Minimum annual contribution: N60,000
  • Minimum duration: 5 years
  • Entry age: 18-60 years
  • Part withdrawal: up to 25% of accumulated principal after 2 years
  • Premium payment frequency: Flexible
  • Life cover: 20 times annual contribution
  • Subject to a minimum of N100,000 & maximum of N20,000,000
  • Medical examination: not required


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Investment (Smart Savings)