Why Choose Mothusi Life Cover?

Mothusi Life Cover provides financial security for you and your loved ones, ensuring peace of mind.
With multiple plan variations and optional benefits, it offers a flexible and reliable insurance solution.

Mothusi Variants:

• Mothusi Lifeline – Whole life cover ensuring lifelong financial support. Perfect for individuals who want guaranteed protection for their loved ones.
• Mothusi Term Shield – Protection for a fixed term, offering security and stability. Ideal for those looking for coverage over a specific period. Choose any period from 6 to 30 years.
• Mothusi Home Secure – Ensuring mortgage protection for your home, so your family doesn’t have to worry about losing their home at death or disability. No medical underwriting for cover up to BWP2.5 million (proof of bond required and completion of a health questionnaire).

Key Features & Benefits:

• Entry Age: 19 – 66 years (Age Next Birthday)
• Benefit Term: Whole life or fixed term (6 – 30 years)
• Sum Assured: From BWP 200,000 to BWP 10,000,000+, ensuring coverage that meets individual financial needs.
• Flexible Premiums: Pay monthly or annually in advance, allowing affordability and ease of financial planning.
• No Waiting Period: Immediate cover for death due to natural or accidental causes, providing instant peace of mind.
• Suicide Waiting Period: 24 months
• Accidental Death Cover (Automatically Included): Free cover from policy issue to commencement date – before the first premium is paid, limited to 30% of the cover amount, up to a maximum of BWP 300,000.
• Cash-Back Benefit (Automatically Included): Get 5% of total premiums refunded every 5 years if no claims are made, rewarding clients for maintaining their policies.
• Terminal Illness Benefit (Automatically Included): 100% payout on confirmed diagnosis of terminal illness (Death Benefit reduced to zero upon payout).
• Policy Cessions: Policy can be ceded to individuals or institutions, providing flexibility in financial planning.
• Policy Flexibility: Adjust cover amounts, payment methods, and add benefits anytime.

Optional Add-ons:

• Death Premium Waiver: Ensures continuity of cover by waiving future premiums in case of the premium payer’s death, preventing financial burden on the surviving family.
• Disability Premium Waiver: Waives policy premiums if the premium payer becomes disabled and is unable to work, ensuring continuous coverage.
• Permanent Disability Benefit: Provides a lump sum payout when the main life insured becomes permanently disabled, helping with medical bills and lifestyle adjustments.
• Daily Hospital Benefit: Pays BWP 500 or BWP 1,000 per day for each day the main life insured is hospitalized (up to 15 days per admission and 30 days per year), easing the financial strain of medical care.
• Automatic Inflation Management (AIM): Choose annual premium increases [5%, 10% or 15%], with corresponding increase in cover [3%, 6% and 9%], ensuring your coverage keeps up with inflation.