suffering paralysis or becoming another statistic in a motor vehicle accident -all of these misfortunes could cause you injury or in the worst case scenario, rob you of your life.

Guarding Against The 3 Outcomes

Think about this for a moment. In the event of a serious accident, the chances are: 1.You will survive but be hospitalized for some period
2.You will survive but have suffered some disability
3.You will die

None of us know our fate, but regardless of the outcome, there is one thing which will lessen the impact of such an event for both the victim and their family - financial support.

Loss Of Life And Its Triple Blow

The loss of a loved one is a terrible ordeal for any family to bear. Your family's loss is, in fact, multiplied by three (the triple blow):

Your partner loses a spouse
Your child loses a parent
Your family loses a source of income

Peace Of Mind

At Alliance, we are committed to providing you with peace of mind in the form of a policy that protects you from the financial aftermath of such accidents or fatalities. We call it the Secura Series.

How long could you and your family survive on the savings you have, if tomorrow your earning capacity comes to an end due to an accident or serious illness? Get Secura 3-in-l protection today and protect your income.

Loss Of Life (Accidental )

Thousands of people die every year as a result of a global tragedy called "accidental death". In addition to the emotional crisis, your family will also have to deal with financial problems such as paying for: -

School fees for children
Food and clothing expenses
House rent / electricity and gas bills etc.
How long could your family survive on the savings you might have left for them ? Could your spouse and children realistically count on your family and friends to make financial contributions and would you even expect or want them to ?

Under the Secura Plan 1, you can provide your family with immediate high limit cash. This cash will help to -ensure your family's future survival and also take care of the on-going financial commitments.

Permanent Partial Disability

In the event of your surviving an accident but being left with a permanent disability such as a loss of limb, sight, hearing or speech, then this Plan will pay cash directly to you allowing you to cope with your disability.

The cash payout schedule shall be as follows :

Contingencies % of compensation
Loss of both eyes 100
Loss of both arms 100
Loss of both hands 100
Loss of both legs 100
Loss of one eye and one arm 100
Loss of one eye and one leg 100
Loss of one arm and one leg 100
Loss of speech 100
Loss of hearing in both ears 50
Loss of arm, above the elbow 50
Loss of leg, above the knee 50
Loss of one eye 50
Loss of arm, below the elbow 45
Loss of leg, below the knee 35
Loss of thumb 17.50
Loss of index finger 12.50
Loss of hearing in one ear 10
Loss of any other finger 5
Loss of great toe 5
Loss of any other toe 3

Permanent Total Disability

More people become disabled due to an accident than die as a result of it. A serious accidental injury which results in total disability can put a stop to your earning power forever. A total disability like this places a greater financial burden upon your family than death itself. Don't wait for an accident to happen to you. Protect your earning power today through Secura 3-in-l Protection Plan.

The Plan guarantees to pay a lump-sum amount equal to 100% of the Sum Assured after 12 consecutive months of permanent and total disability.

Plan Two
Accident Disability Income (Weekly)

Not all accidents are fatal or leave us permanently disabled. Minor accidents can also put us temporarily out of work. For most of us who have to earn our living on a monthly basis being unable to go to work for a few months can be a major financial disaster.

Your ability to earn an income is your most important asset. All your financial objectives and dreams are dependent on you being healthy and working. An accidental injury that puts you or your family members out of work means loss of earnings for a short or more worryingly, a long period.

This benefit works by providing you with a weekly income thus replacing the income lost due to the accident. The payments are made, starting from the first day of disability, up to a maximum of two full years (104 weeks).

Secura Plan 2's Accident Disability Income benefit pays you 100% of the weekly income chosen by you up to the stated maximum income permissible.

This optional benefit is only available with Secura 1, and it should not exceed your monthly earnings.

Plan-Three
Medical Expense Reimbursement (Due To Accident)

We all know how expensive modern medical treatment can be. The high cash limit provided by this optional benefit ensures that you and your family members can get the best possible treatment for injuries arising out of an accident. This Plan provides you and your family with total protection against the costs of reasonable, customary and necessary medical treatment in or out of hospital. Treatments covered include:

Physician office visits
Prescription medicines
Ambulance costs
Physiotherapy
Hospital room and board
Nursing and surgical charges
This optional benefit is only available with Secura 1 benefit, and covers up to 20% of the Principal Sum subject to the maximum limits.

Plan Four
Cash Care Hospitalisation Benefit (Due To Accident & Sickness)

This Plan allows you to obtain cash payments in the event of you or your family members being hospitalized.

The cash payment mechanism operates in the following manner :

We will pay you the daily cash benefit as selected from the first day of confinement up to 1 year (52 weeks). Furthermore, we will pay you this benefit even if the hospital concerned provides free treatment.

A unique feature of this plan is that you will still receive cash payments even if you were holding additional policies from other insurers offering similar benefits. We don't ask questions - you may use the cash in any manner you see fit. Use these payments to replace lost income or simply to pay for the best possible healthcare. The choice is yours.

Plan Five
Accident Annuity (Guaranteed Income Plan)

Benefits for your family
Your family depends on your monthly income for their day to day expenditure and for their future financial security. In the event of this income abruptly ceasing on account of an accidental loss of life, how would your family cope with the emotional and financial crisis? Would they be able to live on your existing savings ?

At Alliance, we understand this problem and can appreciate your concern and desire to insure the financial wellbeing for your family members especially if you are longer there.

Now you can relax, safe in the knowledge that your guaranteed

income plan would take care of your family's financial wellbeing. Your loved ones will receive a guaranteed monthly cash income year after year for the next twenty years.

The above Plan guarantees a monthly cheque for a maximum period of twenty years for your spouse or your nominated beneficiaries should you lose your life in an accident.

The beneficiary will receive the payment equivalent to the amount you have specified - but not exceeding your monthly salary. The beneficiary could be a child or an adult.

Accident Annuity (Guaranteed Income Plan)

Benefits for you and your family
This three-in-one Protection Plan provides you and your family with the following benefits : -

1. In the event of an accidental loss of life, your beneficiary will receive a guaranteed income for a period of 20 years.

2. In the event of an accidental injury resulting in dismemberment, loss of sight, speech or hearing, the insured will receive a guaranteed income for a period of 20 years.

3. In case of permanent total disability, the insured will be paid a guaranteed income for a period of 20 years.

In the event of the beneficiary dying before receiving the guaranteed income for the full 20 years, the remaining balance of the income will be paid to your beneficiary's estate.

Additional Option Benefits With Secura 1

Level Term Life Rider
Personal Accident Policies usually provide you cover against accident death and disability only. One of the first of its kind, this optional benefit pays out the full sum assured selected in the case of death due to natural or accidental causes.

By choosing and including this optional benefit in your personal accident portfolio you will provide comprehensive financial security to your loved ones. It is worth remembering that, "You don't buy life insurance because you are going to die, but because those you love are going to live".

This benefit amount will not exceed 25% of the Secura 1 Principal Sum subject to the maximum limit of US $ 25,000.

Repatriation Benefit
This allows for expenses incurred in returning the body to the deceased's home country to be reimbursed to your family, the benefit applies only to those cases where death occurred by natural or accidental causes not exceeding the maximum amount.