JN Life Family COMFORT

The JN Life Family COMFORT plan offers coverages for the main insured and the dependents in the following tranches:

Terminal Illness Benefit: JN Life will pay, as a Living Benefit, to the Life Insured, 50% of the applicable Death Benefit, upon receipt of satisfactory proof of Terminal Illness provided that the plan is in place for two years. This payment will reduce the Basic Sum Insured by 50%.

Critical Illness Benefit: The following illnesses are covered under the critical illness benefit –

• Blindness
• Deafness
• Major Burns

The payment of a Critical Illness benefit does not affect the Death Benefit on any Life Insured under the Policy.

Death Benefit: The maximum Death Benefit payable for any Insured whose death occurs from 3 months to 12 months after the Policy Effective Date is J$1 million, except in case of Accidental Death. During any Policy year, if death occurs as a result of an accident the full Sum Insured will be paid.

The Policy may be reinstated within 30 days of lapse or re-dated within 6 months of lapse. Reinstatement or re-dating is allowed only once during the life of the Policy.

No, this policy does not have an assignment option.

Your insurance will terminate on the earliest of:

• Expires at age 75 or on the 20th policy anniversary, whichever is later;
• A claim of the total coverage amount;
• The date the Life Insured dies;
• The date the Head Office or authorized agent of the Company receives notice in writing of termination from the Owner delivered by hand or registered post;
• The 31st day after the Basic Premium due date if the required Basic Premium has not been paid;

All our clients may pay their premiums using any of the following options:

• Salary Deduction
• Pre-Authorized Payment/Standing Order
• Cash Payment (Semi-Annually or Annually)

You may pay your premiums either:

• Monthly
• Quarterly
• Semi-Annually
• Annually

No, this plan does not have a cash value option.