This policy is usually purchased by the employer to cater for the death while in service or disability benefits of its employees. It is a known fact that when an employee dies or is disabled and out of work, it affects his or her family, customers, co-workers, managers and to a large extent the business can suffer significantly as a result. Typically, the amount of life cover provided is related to a number of years’ salary (i.e. 2, 3, 4, or 5 times annual salary)

A group funeral/last expense policy may cover employees, their spouses and children depending on the employer’s preference. The policy enables employers, large groups, unions etc. to provide funeral benefits to cover funeral expenses for their members. Regardless of the policy taken, this policy pays out the sums assured, within 48 hours, to assist in meeting the funeral costs.

This policy provides a mechanism to save for a future event and provides life cover. The money will pay at the end of the investment; will be paid to the main member or to the nominated beneficiary. The money paid will depend on the savings premium and the investment performance of the underlying assets.

This is a policy that provides a mechanism to save for a future children education in- case of event which caused death to breadwinner or parents and provides life cover (principal). The money will be paid to the main member if survives, university, college or to the ultimate nominated beneficiaries.

This provides death benefits to group principal member, the spouse, children maximum of four and parents including in-laws up to Tshs 5M from minimum contribution of Tshs 1000 per month which is paid on annual basis

A key person is someone who has special skills, knowledge or contacts, which are essential to the success of a business.

This is provides cover to a lender against financial loss which they would be likely to suffer following the death or permanent disablement of a borrower before a loan is fully recovered. This prevents difficulties related to collaterals and frees pledged securities to respective family members or dependents once breadwinner dies.

School Fees Guarantee Plan which promise that; every dream of a school or parent/guardian where children are enrolled at different levels of education / schooling completes the journey to their graduations in respect of unforeseen events like death or disability for their parents or guardians. Adabima will pay an outstanding Education Fee of a CHILD depends on selected Level(s) and will be provided in each year of the remaining education levels including pocket money amounting TZS 1.0 million which will be evenly distributed in fees payment.