Product Benefits

  • Enjoy life cover beyond duration of the policy
  • Return on investment: Flexible but high (linked to FGN bonds)
  • Critical Illness Benefit: Up to 70% of sum assured; balance payable in the event of demise
  • Life Cover: Payable in the event of demise
  • Succour in the event of demise
  • Premiums are tax deductible

features of Smart Wealth

  • Minimum annual contribution: N5 million
  • Minimum duration: 5 years
  • Entry age: 20-60 years
  • Part withdrawal: up to 50% of accumulated principal after 2 years
  • Premium payment frequency: quarterly, half-yearly or annually; up to ages 45, 50, 55, or 65
  • Life cover: 20 times annual contribution, subject to a minimum of N2.5 million and a maximum of N20 million
  • Medical examination: not required


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Investment (Smart Savings)