FAQs

FAQ

Welcome to our insurance website FAQ page!

Here, you will find answers to some of the most commonly asked questions about insurance, our services, and how we can help you protect yourself and your assets.

You can get a quote by filling out our online form, contacting us by phone or email, or meeting with one of our agents in person.
To file an insurance claim, you can contact us by phone, email, or through our website.
Yes, we offer discounts when you bundle multiple types of insurance with us, such as combining your auto and home insurance policies.
Liability insurance covers damages or injuries that you are legally responsible for, such as property damage or bodily injury resulting from a car accident.
you can pick up educational endowment 17 or 19 depending on the age of the child.
There is no one kind of life insurance policy that works best in everybody. What’s important for you to figure out what you intend to achieve i.e. protection, protection with investment or investment alone. Also the duration of such policy.
if your age is 45 year, you can get 15-year duration policy for investment Linked policy or Anti-inflation policy 15 year
The rate of returns will be agreed on at the inception of the policy noting the prevailing macroeconomic policies.
The primary purpose of life insurance is to protect people who depend on the insured person, provide peace of mind by assuring that financial loss or hardship will be alleviated for dependents (such as children, wife or husband)in the event of the insured person's death.
Yes, you can have multiple policies from the same or different life insurance companies. You can also have multiple policies in different life products.
You can name whoever you want as your beneficiary.
By using an agent to purchase insurance, the policyholder receives more personal service. An agent with whom there is direct contact can be vital when purchasing a product and absolutely necessary when filing a claim. A local, independent agent is able to deliver quality insurance with competitive pricing and local personalized service.
If you don't own a car, you may not need auto insurance. However, if you frequently drive a rental car or borrow a friend's car, you may want to consider non-owner car insurance
If you are in an accident with an uninsured driver, you may be responsible for paying for your own damages and injuries. However, some insurance policies offer uninsured motorist coverage to help protect you in this situation.
The time it takes to process an insurance claim can vary depending on the complexity of the claim and the amount of damage or injury involved. However, we strive to process claims as quickly as possible and keep you informed throughout the process.
If your insurance policy lapses, you may be subject to penalties or fines. You may also lose coverage and be responsible for paying any damages or injuries out of pocket.
You can own a car without having insurance policy, but you can’t drive it without at least a third party only insurance cover.
A lapse of insurance coverage will impact your driving record if:

The lapse was due to a policy cancelled for non-payment of premium

The driver was convicted of driving without insurance during the lapse in coverage

The lapse was due to a drivers license suspension

The lapse was due to a policy cancelled for misrepresentation or non-disclosure.
Determine the amount and type of insurance that you need. The coverage limit of your house should equal 100% of its replacement cost. If your policy limit is less than 80% of the replacement cost of your home, any payment from your insurance company will be less than the full cost to replace your home – you’ll have to pay the rest out of your own pocket. Also, decide if the personal property and personal liability limits are adequate for your needs.
Once you have decided on the coverage you want in your homeowners insurance policy, consult us. We will be able to help you determine if there are any gaps in coverage you might not have been aware of, explain the details of the policy’s exclusions and limitations as well as recommend an insurance company that will live up to your expectations.
If your damages exceed a certain value of your car (based on a percentage), then your insurance company will decide that your car isn't worth repairing. At this point, the insurance company will cut you a check for the value of the vehicle. Totaling a car doesn't necessarily mean the damages exceed the car's value.

Have additional questions?

If you can’t find the answers you’re looking for here, please don’t hesitate to contact us and one of our representatives will be happy to assist you.

Head office address:

12 Abibu Oki Street, Marina, Lagos

Call for help:

08097186794
01-2934525

Mail for information:

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