​​Because your home is your​
family One does not complete
without the other

• For loss of life, 100% of the sum insured as of the contract effective date
• For Total Permanent Disability before the policy year that the policy holder is 65 years old:
  • 1) Has become totally and permanently disabled for 180 days and over, the Company pays 50% of the sum insured*.
  • 2) Has become totally and permanently disabled for 180 days and over due to 1) the Company pays the rest of 50% of the sum insured; the policy terminates with this payment.
  • 3) Has died during the 180 day-period from the date that the Company has paid the 50% of the sum insured* per 1), the Company pays the rest of 50% of the sum insured; the policy terminates with this payment.
  • 4) If after the Company pays 50% of the sum insured per 1) and the holder is no longer totally and permanently disabled, coverage will be decrease to 50%* from the date that the insured is not considered totally and permanently disabled.
  • 5) If the insured has proof or medical conclusion of such physical impairment that has resulted in a total and permanent disability, the Company will pay 100% of the sum insured; the policy terminates with this payment.

1. The insured voluntarily commits suicide within 1 year of the contract date.
2. The insured is intentionally killed by the beneficiary.
3. The insured misrepresents the actual age, and the company is able to prove that upon entering the insurance contract, the actual age falls outside the insurance premium rate limit based on the normal trade of the Company.

Benefits are not paid for any total and permanent disability which has been caused directly or indirectly in whole or in part, by the followings or occurred during the following events:

1. Suicides, suicide attempts or self-inflicted injuries
2. While insured is committing a felony, or is being arrested or evading arrest
3. War, declared or undeclared, invasion or actions of foreign enemies, civil wars, coup d'etat, insurgencies, riots, terrorisms, etc.