• The aim of the cover is to help employers or groups alleviate the financial distress that might befall the dependants of employee/group members upon his death.
• The policy covers death from any causes on a 24 hour basis provided; the employee is still in the payroll of the employer.  
• Benefits will be based on multiple of salary say – 3 years’ salary or be on flat basis i.e. Kshs. 500,000 per person. 
• The rating of the scheme is based on group data provided  by the employer
• Medical examination may be required for cases which are above the Free Cover Limit i.e. an agreed threshold of sum assured which may require underwriting. Where medical is required the cost will be borne by the company