TheLifeProtectorPlan

GlobalBenefitsEurope

Yourguidetoindividuallifeprotec on

Thesimpleapproachto
lifeprotec on
Whenyouworkhardtoprovidesecurityforthepeopleyou
careabout,lifeinsuranceshouldbeanessen alpartofyour
longtermfinancialplanning.

Protec ngagainstprematuredeathmeansprovidingfor
yourdependants,makingyourfamilysfuturemoresecure.

Withyourneedsinmind,GlobalBenefitsEuropehasdevelopedTheLife
Protector,aspecialistlifeinsuranceplandesignedforExpatriateslivingand
workingabroadinnonhazardousoccupa ons.

Formostpeople,theirmajorconcernintheeventofaprematuredeathisthat
theirfamilywillbeabletomaintaintheirlifestyle,thatthechildren'seduca on
willnotsuerandthatanyloansanddebtsarerepaid.

TheLifeProtectorcanhelpprotectyouandyourfamilyinthewayyouneedit
to, giving you peace of mind, providing financial security for the people you
leavebehind.

Once youre insured with the Life Protector, your basic life insurance
requirementsaretakencareof,leavingyoutoconcentrateonyourcareerand
familycommitmentswithoutundueworryaboutthefuture.

Itisgenerallyacknowledgedthatyoushouldhaveinsuranceinplaceofatleast
5 mesyoursalary,soifyouearnUS$50,000peryearyourcovershouldbeaup
toUS$250,000toensurethatyouarefullyprotected.

However if you are covering yourself against a loan of US$150,000 then that
maybeallyouwillrequire.

HowtheLifeProtector
Planworks

CoverforLife

LifeProtectorPlanletsyouchoosethecashlumpsumyourfamilywouldneedto
protecttheirfinancialfuturewithoutyou.Thiscouldbeanyamountuptoamax
imumofUS$250,000ortheequivalentinGBPor.

Ifyoudieastheresultofanillnessoraccidentwhilstyourplanisinforce,your
beneficiarieswillreceiveyourLifeProtectorPlanlumpsumbenefit.

Asthisisapurelifeinsuranceplan,thereisnoinvestmentreturn.Thatswhythe
LifeProtectorPlanoerstopqualitylifeinsuranceatanaordableprice.

YoucanrenewyourLifeProtectorPlaneveryyearun lyoureachthesoonerof
yourre rementor69thbirthday.

Protec ngthepeople
youcareabout!

DoubleProtec onfor
AccidentalDeath

DoubleProtec onforAccidentalDeath

Accidental Death Dismemberment Benefit can be either added on to your

lifecoverorboughtasaseparateinsurancecoveronitsown

Ifyoudieoraredismemberedastheresultofanaccident,acashlumpsum
will be paid to your beneficiaries, if you also have Life Protector Life cover,
thepaymentisinaddi ontothatbenefit.

AccidentalDeath&Dismemberment
Propor onSumInsured

1.
AccidentalDeath

100%
2.
Totalandirrecoverablelossofsightofbotheyes

100%
3.
Totalandirrecoverablelossofsightofoneeye

50%
4.
Lossoftwolimbs

100%
5.
Lossofonelimb

50%
6.
Totalandirrecoverablelossofsightofoneeyeandlossofonelimb 100%

Theamountofaddi onalaccidentbenefitmustnotexceedtheamountof
yourLifePlanbenefit.

GlobalBenefitsEuropecanalsooer:

HigherSumAssured

IncomeProtec on

War&Terror

KidnapandRansom

TermAssurance

Foranyadviceontheseproducts,pleasecontactyourfinancialadvisor.

LifeProtector
PlanFeatures

ThePlan

AnnuallyRenewableLifeInsuranceisalifeplanthatprovidesabenefit
payableondeathbyanycausewithintheperiodofcover.

ThePlanisavailableonasinglelifebasis.

The sum assured and premiums the plan are age related and
premiumsincreaseonagebandedsystem.

Currency

ThePlanallowsthesumassuredandpremiumstobepaidinachoice
ofSterling,USdollars,orEuro

BenefitswillbepaidoutinthePlancurrency.

Ageatentry

Minimum:18
Maximum:69nextbirthday

TermofPlan

12months,automa callyrenewsannuallyifnochangeinloca onor
occupa onstatus.

Premiums

Frequency:Annually,semiannuallyormonthlysubjecttoa%loading
anddependentonannualtotalpremium.Minimumpremiumper
paymentisUS$100ortheequivalentinGBPor.

Premiumscanbepaidby

Cheque

creditcard

TT

StandingOrderisavailableforGBPpaymentsmadefromaUK
account

Benefits
Available

LifeCover,thedeathbenefitwillbepaidasalumpsum.

AccidentalDeathandDismembermentAnop onalcoverwhichpays
alumpsumbenefitineventofdeathordismemberment(lossoflimbs
and/oreyesight)byaccidentalcause,inaddi ontothelifebenefit
payment.

Applynowforpeaceof
mind!

ITSEASYTOAPPLY

Simply complete an applica on form and Itisveryimportantthatonyour

applica on form you disclose full details
senditthroughtoyourbroker.

aboutyourmedicalhistory,your
The Life protector Plan is underwri en by occupa on and any hazardous ac vi es
applica onformonlyuptoUS$400,000,
youpar cipatein.
dependentoncountryofresidence

PREEXISTINGCONDITIONS
Medical Evidence may be required by the
underwriters upon review of applica ons if The Life Protector Plan does not cover
such evidence is required it can be done death caused by a medical condi on or
locally,wewillprovideyouwithalistofour injuryyousueredwithin5yearspriorto
startdateofyourplan.
approveddoctors.

Theapplicantwillberesponsibleforanyand CLAIMS
all medical evidence requested by the
underwriters.
In the event of a claim the annual

premiums must be deemed to be fully

earned.
PAYINGYOURPREMIUMS

You may pay your premiums annually semi

annually or quarterly. Please refer to the
premiumguideenclosedwiththisbrochure.

Please note that our premiums are

agerelatedandwillincreaseasyougetold
er.

Premiumsarealsosubjecttoannualreview
and are not guaranteed for the dura on of
yourplan.

Strength&Security

The Life Protector plans are underwri en by GBE (Global Benefits Europe B.V.)
GBEsroleisthatofanUnderwri ngAgency,andisapproved,andregulatedbythe
AFMAssocia onofFinancialMarketsinTheNetherlands,andthe(FSA)Financial
ServicesAuthority,theUKregulator

Europe
ThePoliciesareissuedthroughOmniLifeInsuranceCompanyLimited.

RestoftheWorld(ExcludingUSA)
ThepoliciesareissuedthroughGIL,GBGInsuranceLimited.

ContactUsForMoreInforma on:

CentralUnderwri ngSales&ServiceOce
HollandHouse
14BuryStreet
London
EC3A5AW

Tel:+44(0)2074692543
Cell:+44(0)7733276851
Email:enquiries@globalbenefits.com
www.globalbenefitseurope.com

LifeProtectorAdministra onOce
LauraFlannery
P.0.Box78177
AvondaleRoad
Durban
4010

Tel/Fax:+27(0)315644448
Cell:+27(0)723925464
sales@globalbenefitseurope.com