Product Benefits

  • Return on Investment: Flexible but high return.
  • Accidental Medical Expenses (child): Up to N50,000 payable once in a year.
  • Academic Award (Best in Class): Up to 10% of your annual contribution, subject to a maximum of N20,000 (payable once)
  • Family Income Benefit: 10% of life cover paid at the anniversary of the policy to the family of the policyholder. Subject to no outstanding premium
  • Premium Waiver: Wapic takes up payment of contribution upon demise/permanent disability of the policyholder. Subject to no outstanding premium
  • Payable in the event of demise: Life cover + Family income Benefit + Premium Waiver + Investment account balance
  • Payable in the event of Permanent disability: Family income Benefit + Premium Waiver + Investment account balance
  • Premiums are tax deductible
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features of Smart Scholar

  • Minimum annual contribution: N60,000
  • Minimum duration: 5 years
  • Entry age: 18-60 years
  • Premium payment frequency: Flexible (Monthly, Quarterly, Half-yearly, Yearly)
  • Part withdrawal: Up to 25% of accumulated principal after 2 years
  • Life cover: This could be 200% of annual contribution subject to a maximum of N5 million determined by the policyholder
  • Medical examination: Subject to total sum at risk
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