Pamoja Plan is a personal life insurance plan that allows you to save for your long term and short-term saving objectives such as special anniversary, Own Business, purchase of a dream asset, retirement, etc. The plan also o?ers additional risk cover that caters for unforeseen occurrences such as physical incapacity and loss of life.

The Pamoja Plan is available to all people within the age group of 18 to 65 years and will provide life insurance cover up to the age of 75 years, secured through payment of regular premiums. You can choose to have a policy with a term of 5 to 25 years with Maximum Sum assured of 40 million.

Minimum Life premium: Ugx40,775 Minimum Savings premium: Ugx100,000. There is no maximum savings premium.

Death Benefit

Upon the accidental death, we will pay 200% of the sum assured and in case of non-accidental death we will pay a lumpsum equal to the sum assured.

Disability Benefit

In case a policyholder is permanently and totally disabled, we will pay a lumpsum equal to the sum assured.

Retrenchment Benefit

Upon Retrenchment of the Policyholder, we will waive the total Premium during the period of retrenchment subject to a maximum of 6 months after which the saving bene?t is payable in full and the policy terminates.

Hospital Cash Benefit

On Hospitalization of the Policyholder, we will pay a hospital cash of Ugx. 50,000 per day subject to a maximum of 2 weeks (14 days) provided that the policyholder was hospitalized for at least 2 days.

Maturity Benefit

This is paid out upon the Expiry of the Policy Term. The amount Payable is dependent on the Savings Premium, Investment Performance of the Underlying assets and Bonuses Accrued during the policy term.

Premium Holiday

This Bene?t allows the policyholder to miss up to six premiums over their plan. The policyholder can use this bene?t again if they pay back all the missed premiums.