Returns: Your susu contributions, minus the applicable monthly insurance cover premiums, will be credited to your investment account. The funds in your investment account will be invested as part of the Company’s savings contracts investment portfolio (non-unit-linked), and any investment returns earned will be allocated to your investment account.

The amount payable at maturity will therefore include the investment returns earned and allocated to your investment account, subject to the terms and conditions of the policy.

Note that the portion of your susu contributions remaining after deduction of the applicable monthly insurance cover premiums and any partial withdrawals you made will be guaranteed at maturity.

i. Free Look Period
There shall be a free look period of at most 30 days. When a policy is cancelled during the free look period the policyholder gets a refund of the total premium(s) paid.

ii. Lapse Rule
The policy will lapse after three (3) continuous months of no insurance premium payment. During these three (3) months, monthly Insurance premiums will be taken from the susu account. Life cover then ceases if no insurance premium is paid after.

iii. Reinstatement
A lapsed policy can be reinstated only when the total outstanding premiums have been paid within twelve (12) months. A reinstated policy will undergo a three (3) month waiting period.

iv. Paid-Up
The policy becomes paid-up when the policy lapses. Upon death or maturity, SanlamAllianz Life will pay only the savings fund value. No hospitalization benefit shall be paid.

v. Misstatement of Age
Where SanlamAllianz Life detects any age misrepresentation, i.e. the age above the maximum entry age, only the susu contribution will be refunded.

vi. Settlement Options
All benefits payable shall be paid as a lump sum.

i. The following documents will be required to process
claims:
1. Policy document or proof of membership
2. Completed claim form
3. Any valid national ID of claimant
• Voter's ID
• Driver's License
• Passport
• SSNIT ID
ii. The following will be required in handling death claims:
1. Death certificate, medical cause of death or burial permit
2. Police Report in case of accidental death
3. Any valid national ID of the deceased
4. A valid ID of the named trustee where beneficiary is a minor
iii. Any of the following will be required in handling hospitalization claims:
1. Excuse Duty/note
2. Discharge slip/notice
3. Hospital Invoice
4. Any valid national ID of the life hospitalized

i. Policy Exclusions
SanlamAllianz Life shall not make any payment in respect of any condition or event such as;
a. Suicide within two years of the policy being in force or self-inflicted injury by intentional means.
b. Execution of Judicial Sentence of death or participating in felony.
c. Events of war, warlike operations, hostilities, mutiny, invasion, riot or civil commotion, act of foreign enemy. ii. We shall not accept responsibility and/or liability for CASH payments made by you. You must pay your premiums through mobile money. Whereyou make premiums in CASH, the liability thereof rest solely with you.
iii. You need to inform us of any claim within three (3) months of becoming aware of the condition or incident giving rise to the claim.
iv. Fraud Warning Knowingly presenting false information is a crime. Failure to disclose accurate information may result in non–payment of a claim and all benefits under the policy being cancelled.