Agriculture Insurance
Cover for crops, livestock and greenhouses — including weather-index cover that pays out when drought or excess rain hits.
- Crop & livestock
- Weather-index cover
- Agribusiness assets
All Services
Specialized Covers
Credit Protection Insurance
Loans That Don't Outlive The Borrower
A loan should never become a burden your family has to inherit. Credit protection (also called Credit Life) pays off the outstanding balance of a mortgage, personal loan, asset-finance loan or co-operative loan if the borrower dies or becomes permanently disabled. We arrange individual policies and scheme-level credit life for banks, co-operatives and microfinance institutions.
What's Covered
Coverage that pays out when it matters
Every credit protection insurance policy we place includes the following as standard. Optional extensions are available depending on your risk profile.
- Death of the borrower — full outstanding balance
- Permanent total disability
- Critical illness (optional rider)
- Retrenchment / involuntary job loss (optional)
- Mortgage protection and asset-finance protection
- Co-operative and microfinance group schemes
- Decreasing term structure that follows loan balance
Who It's For
Built for people like you
Homeowners with active mortgages
Anyone with a personal or asset-finance loan
Co-operatives and microfinance lenders
Banks structuring credit-life for portfolios
FAQ
Quick answers
Isn't credit life already bundled with my bank loan?+
Sometimes — but the bank's default cover is often expensive and thin. You usually have the right to shop for equivalent cover; we typically save borrowers a meaningful margin for the same or better protection.
Does retrenchment cover really pay out?+
Yes, subject to a waiting period (usually 90 days after cover starts) and proof of involuntary redundancy. Typically pays 6–12 monthly instalments while you find a new job.
You may also need
Other specialized covers we arrange
Contractors All Risk
Full-site cover for contractors: physical damage to works, machinery breakdown, and third-party liability throughout the build.
- Works & materials
- Plant & equipment
- Third-party liability
Workplace Injury Cover (WIBA)
Statutory cover for employee injuries, disability and medical expenses — keeping your business compliant with workplace injury laws.
- Statutory compliant
- Medical & compensation
- Fast onboarding
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