Anyone who is the breadwinner of their family.
Anyone with dependents.
Anyone who wants to protect the dreams and wellbeing of their family even in their absence.

You will have to be between the ages of 18 years and 54 years to purchase this policy. The maximum entry age for any family member you decide to cover is 74 years.
Resident in Ghana at the time of purchase

Heritage Life provides cover against death and total permanent disability. In the unfortunate event of your death, a death benefit will be paid to your beneficiary, while a total permanent disability benefit will be paid to you if you become disabled.
You are reimbursed your total premium contribution plus a bonus of 20% on all contributions:
If you survive the term of the policy without making a claim; or
If you exit from the member institution due to retirement or termination of employment.

The institution of which you are a member joins Heritage Life.
You sign up as a member of the scheme through your institution, select your benefit cover, inflation protection and monthly premium.
You pay your premiums through the institution.

Premium payment starts at the purchase of the policy and ends at the end of the policy term or when you exit the institution.

To protect your benefits against inflation, the policy includes a 10% automatic premium adjustment and a 7.5% benefit adjustment, to be applied annually.

The insurance contract is reviewed and approved by your institution
Easy payment of premiums
Benefits are protected against Inflation
Return of premium plus a bonus if no claim is made