BONA PRODUCT BROCHURE
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1 BONA PRODUCT BROCHURE
2 Who We Are A unique life insurer that is not only secure, but flexible enough to move with you through various stages of your life. We offer several insurance plans that ensure that your future is secure. We offer modern products that set trends, and financial planning process that engage you to ascertain the plan that best suits your individual needs. Bona Life Insurance (Pty) Ltd is led by a citizen of Botswana and is also a proudly Botswana company in that the majority of the shareholders come from the country. Bona Life has been established to offer solid financial advice, dignity, stability, and security to Batswana. We aim to create various robust partnerships with the community based on understanding their needs and walking with them every step of the way for sustainable wealth creation. What do we do? We develop the right Life Insurance and Investment products to suit your needs. We are your life and investment financial partner. We offer services that suit your individual needs. Our financially-trained sales team will ensure that, what you sign up for, is in fact what you need and can afford. We ensure that your comments are heard and your claims are handled accordingly. We offer you security and peace of mind. 1
3 Monyadi Wedding Plan Happily ever after is not a fairy tale, it s a choice. A wedding is a happy occasion that should be celebrated with splendour. Wedding expenses, however, can start a young couple off on their journey in debt. This product is a savings plan to cater for wedding costs. If not used towards your wedding, it can be used for celebrating other life milestones being birth of a child, graduation or house purchase. The Monyadi Wedding Plan may also be taken by young parents to assist their children on their special day. 5 Good Reasons to Invest in This Product A Wedding Bonus is paid halfway through the policy term. Optional Life Insurance cover and a savings plan. Cash at chosen intervals when you need it most. Your family s standard of living is maintained, even in the event of your passing. Flexibility to finance other important milestones 2
4 What Are the Main Benefits? Monyadi Wedding Protection Plan Death benefit equal to Insurance Cover or Policy Account, whichever is higher on Protection plan or Policy account on an investment plan. Once-off Wedding Bonus equal to 10% of Policy Account at the midterm of the policy*. 1 year basic premium credited to the Policy Account on every 5 years starting from tenth year anniversary. Accelerated Care Benefits equal to 60% of Insurance cover or P150,000 whichever is lower on protection plan. Funeral Cover of P15,000. Loss of Job benefits. Monyadi Wedding Investment Plan Death benefit equal to Accumulated Policy Account. Once off Wedding Bonus equal to 10% of Policy Account at the midterm of the policy*. 1 year basic premium credited to the Policy Account on every 5 years starting from tenth year anniversary. Premium waivers available. Funeral Cover of P15,000. Loss of Job benefits. * On proof of wedding, birth of a child, graduation or house purchase. Optional Benefit? Withdrawal benefit of up to 75% of policy account. The first withdrawal is in the sixth year and every five years going forward. 3
5 Pula Cashback Plan Why Do You Need the Bona Life Pula Cashback Plan? The Pula Cashback Plan is a method of saving towards that holiday you have always dreamt of, or maybe even home renovations. Whatever your reasons, the Pula Cashback Plan provides various payout amounts that will depend on your investment or premium. The timing of your pay-outs can also be of your choosing. The Pula Cashback Plan is available as a Cashback Protection Plan and an Investment Plan. 5 Good Reasons to Invest in This Product You will receive cash back at regular intervals. The funeral cover will ease your family s financial burden in your absence. You can manage this product to suit your short, medium and long-term needs. You can manage your finances through this savings plan. Minimum monthly premium of P300. 4
6 What Are the Main Benefits? Pula Cashback Protection Plan Death Benefit equal to higher of twice the Insurance Cover or Policy Account Funeral Benefit of P15,000 Accelerated Care Benefit (ACB) of 60% of Insurance Cover or P150,000 whichever is the lesser Pula Cashback Investment Plan Death benefit equal to Accumulated Policy Account Funeral Benefit of P15,000 Premium waiver available Optional Benefits Additional Death Benefit up to 4 times the Insurance Cover*. Accidental Death Benefit*. Withdrawal/Cashback: 15% of policy account at policy anniversary as from year 4 and every year thereafter. *Only available for the Cashback Protection Plan 5
7 Leungo Pension Plan Why do you need the Bona Life Leungo Pension Plan? Even if you have a pension plan at work, one can never be too ready for retirement. Putting a little aside using the Leungo Pension Plan, whether as a sole retirement plan or to supplement others, will eliminate financial difficulties when you are no longer working. Upon retirement, one third of the plan value will be paid out as a lump sum and the remainder transferred to purchase an annuity benefit. 5 Good Reasons to Invest in this Product You can enjoy a comfortable and enjoyable retirement. Monthly Pension for life. Lump sum of up to 33% at retirement. Funeral cover P15,000. You can continue with the policy beyond age 65 without paying any premiums. What Are the Main Benefits? Death Benefit before retirement equal to accumulated policy account. Funeral Benefit of P15,000. Disability waiver available. 6
8 Thebe Funeral Plan Why Do You Need the Bona Life Thebe Funeral Plan? In your time of bereavement, the Thebe Funeral Plan will ease the financial burden. This low-cost plan is payable within 48 hours from the time of death notification of the insured. Available to both individuals and groups, the Funeral Plan can be customised to your needs i.e. number of dependants, funeral costs, extended family members. 5 Good Reasons to Invest in this Product Instant cash within 48 hours. Children are automatically covered up to age 25. Funeral cover is at least P15, % discount on the premium for the first child, parent and extended family member Your family will be able to maintain their standard of living even in the event of your passing. What Are the Main Benefits? Maximum Funeral Cover of P50,000. Maximum Cashback benefit of 12.5% of received premium every 5 years. Double the amount of cover in the event of accidental death Waiver of premiums in the event of death/ disability of main member. 7
9 When Can I Take This Product? Covered Person Maximum allowed Age Limitations Main Life Assured Spouse Children Parents and Parents-in-law Extended Family Member
10 Bona Life Mortgage Protection Plan Why do you need the Bona Life Mortgage Protection Plan? Ownership is of great importance to everyone. Be it of ideas or material possessions like cars. Botswana s rich history has engrained in us that land ownership is paramount. Bona Life introduces the Bona Life Mortgage Protection Plan to assist in your quest to own a piece of land, a piece of Botswana, a piece of home. How does the Bona Life Mortgage Protection Plan fulfil your needs? Bona Life Mortgage Protector covers you against your mortgage loan. Investing in property is costly and it is required to have life insurance against a mortgage. With Bona Life, there will be no need to worry about your dependents having to cover the mortgage in the event of your passing. How does the Bona Life Bona Life Mortgage Protection Plan work? Bona Life Mortgage Protection Plan serves to cover a reducing debt under your mortgage loan with capital and interest repayment the premium remains level while the insurance cover reduces in line with the reducing mortgage loan. 9
11 5 Good Reasons to Invest in This Product Your property is protected for your loved ones in the event of your passing. Bona Life Mortgage Protection Plan assists in realising your dream of owning your own home. You can invest in this product from as little as 18 years old Your mortgage may be paid off in the event that you are disabled. Your premiums may be waived if you are unable to work due to disability. What are the main benefits? Available on a joint life The minimum sum assured is P100,000 Flexibility in premium payment Optional benefits Total and Permanent Disability Waiver of Premium on total and permanent disability (including loss of 2 limbs) Policy Assignments are available When can I take this product? You can take up this policy from the age of 18 years up to 65 years. The termination age is 70 years. How long do I have to take this policy for? You can take the policy for a minimum of 5 years and a maximum of 30 years. 10
12 Lefa Life Cover Why do you need the Bona Life Lefa Life Cover? We go through life looking for a purpose, or hoping to leave behind a legacy of sorts. The Lefa Life Cover ensures that you are able to save towards doing what you want as well as taking care of your loved ones, even beyond your earthly existence. How does the Bona Life Lefa Life Cover fulfil your needs? You will be able to continue with your dreams and aspirations for yourself, your family and others, even in your absence. How does the Bona Life Lefa Life Cover work? Over and above ensuring your dependents financial wellbeing, you are able to save towards realising your dreams and those of others that you care about. 5 good reasons to invest in this product You can rest assured that your dependents will be well taken care of Your premiums remain constant over the duration of the term 11
13 You would ensure that your family s standard of living is maintained, even in the event of your passing Your premiums may be waived if you are unable to work due to disability. What are the main benefits? The Life Cover has a 90 day cooling period The minimum sum assured is P 100,000 The Life Cover is available on a joint life basis Optional benefits Total and Permanent Disability Waiver of Premium on total and permanent disability (including loss of 2 limbs) until the age of 65 Policy Assignments are available When can I take this product? You can take up this policy from the age of 18 years up to 65 years. The termination age is 70 years. How long do I have to take this policy for? You can take the policy for a minimum of 5 years and a maximum of 30 years. 12
14 Retirement Annuity Why do you need the Annuity Plan? An annuity is an insurance product that pays out income, and can be used as part of a retirement strategy. Annuities are a popular choice for investors who want to receive a steady income stream in retirement. An Annuity can turn your retirement savings into income that will last when you re living in retirement. How does the Annuity Plan fulfil your needs? Among other needs, an Annuity plan can give you peace of mind in retirement. Provided planning has been done in advance, a retiree can maintain a standard of living that they used to enjoy while they were employed. How does the Annuity Plan work? An annuity plan generally requires you to make an investment in the annuity. The investment then makes payments to you on a future date or series of dates. The income you receive from an annuity can be paid out monthly, quarterly, annually or even in a lump sum payment. 13
15 5 Good reasons to invest in this product A product tailored to Batswana s unique needs through the deep understanding that Bona Life has of the country. Peace of mind during retirement years by helping maintaining a similar standard of living during your retirement. The annuity plan can become part of your estate in the event of your passing and keep supporting your family members. An annuity can help support other retirement benefits or investments that you have made. Free funeral benefit of P10,000 14
16 Call us on now! Private Bag 001 AAD, Poso House, Gaborone, Botswana Plot 54374, Unit 4A, Grand Union, CBD t: f: Website: Facebook: bonalifeinsurance
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