Lambo-talk

Life coverage (or life affirmation, particularly in the Commonwealth), is an agreement between a protection arrangement holder and a safety net provider , where the guarantor guarantees to pay an assigned recipient a total of cash (the advantage) in return for a premium, upon the passing of a safeguarded individual (frequently the approach holder). Contingent upon the agreement, different occasions, for example, terminal sickness or basic disease can likewise trigger installment. The strategy holder ordinarily pays a premium, either frequently or as one single amount. Different costs, (for example, memorial service costs) can likewise be incorporated into the advantages.

Life approaches are lawful contracts and the terms of the agreement portray the confinements of the guaranteed occasions. Particular rejections are regularly built into the agreement to restrict the risk of the backup
plan; normal cases are cases identifying with suicide, extortion, war, revolt, and common tumult.

Protect Your Team, Grow Your Business

Retaining talent while growing business is a very challenging task for every company in Cambodia. Companies can now increase employee’s loyalty by providing comprehensive protection such as the  Group Protector to their staff and families, thereby helping them with their big financial decisions.


Group Protector is a new comprehensive life insurance solution designed to protect companies’ employees and their families. It provides life insurance benefits to the family of an employee upon the unexpected death or total disability due to all causes, including illnesses and accidents. Each employee will have the flexibility to choose his or her own beneficiaries.

One of the best gifts for your children!

In today’s working environment, a quality education is important for your child to have a bright future and a rewarding career. As a parent, you would want to provide the best education for your children.

Education Protector is a multi-purpose savings and protection plan designed especially for parents who want to systematically save for and protect their children’s financial support for higher education.


SYSTEMATIC SAVINGS FOR 4 YEARS OF HIGHER EDUCATION

Education Protector provides guaranteed education benefits of 25% of the face amount each year for 4 years. 2 plans are available; “High School Plan” which pays out the education benefits when the child is age 15 to 18 and the “University Plan” which pays out when the child is age 19 to 22. The guaranteed education benefit will help to ensure sufficient fund to see your children through high school or university.

Providing both protection and saving to your family



Savings Protector is an integrated plan providing a combination of protection and saving for your family’s future. This plan provides various benefits and there are two options available: 10 or 15 years.



BENEFITS

■ 100% benefit of the policy face amount with accumulated dividend (not guaranteed) at the policy maturity date
■ 200% benefit of the policy face amount against Death or Total Disability
■ In case of Death and Total Disability, your family will receive 400% of the face amount
■ Level premium payment until the policy maturity date
■ Semi-annual or annual premium payment modes
■ Protection for accident anywhere in the world
■ Dividends  (not guaranteed) are provided annually with accumulated interest. The accumulated dividends have the option to become ready cash for your family when needed.

Have your dream home secured and protected for your loved ones

 As with every new home, it is a big and long-term financial commitment. We understand that you have worked hard and have a desire to prepare the best future for your family and loved ones. There are unexpected things that may happen such as accidents, disability or death through accidents or illness. In order to enjoy peace of mind, you need the assurance that your family and loved ones would not be left homeless should anything happen to you.
Home Loan Protector is specifically designed to protect your home loan. It provides life insurance protection on the principal person taking out a mortgage loan on a residential property.