Protect yourself and your family against unexpected accidents.
Get financial support when accidents happen, with up to N$200,000 immediate payment for permanent disability.

Main Life Only
- N$40,000 Accidental Death Cover
- N$200,000 Permanent Disability Cover
- N$30,000 Income Protector for 12 months
- N$1,000 Daily Hospital Cash Benefit
Accidental Death Benefit
The Life Guard Individual Plan provides an Accidental Death Benefit of N$40,000 if death occurs within 3 months of the accident. This coverage is available to individuals between the ages of 18 and 65 years at entry, protecting you until age 70.
Permanent Total Disablement
Should you become permanently disabled due to an accident, you’ll receive a substantial lump sum of N$200,000. This benefit is paid when the disability is continuous for 24 months and prevents you from working or performing your usual occupation, as confirmed by a Bonlife-appointed physician.
Income Protection
Following confirmation of Permanent Total Disablement, you’ll receive monthly income protection payments of N$30,000. These payments begin from month 13 and continue for 12 months, providing crucial financial support when you need it most. The continuation of payments is subject to ongoing verification of your inability to work.
Hospital Cash Benefit
When hospitalized due to an accident, you’ll receive N$1,000 for each day spent in hospital, provided the stay exceeds 24 hours and admission occurs within 10 days of the accident. This benefit is capped at N$20,000 per year, helping to ease the financial burden during your recovery period.
Key Features
Coverage begins after one month waiting period.
No medical tests required.
Claims must be submitted within 3 months of loss.
Only one Life Guard policy is allowed per person.
Age Requirements
Entry age: 18-65 years
Coverage continues until age 70
Must be a Namibian resident

Family Plan
- N$40,000 Accidental Death Cover
- N$200,000 Permanent Disability Cover
- N$30,000 Income Protector for 12 months
- N$1,000 Daily Hospital Cash Benefit
- N$10,000 Accidental Death Cover per child
- Hospital Cash Benefit included in family limit
Accidental Death Benefit
The Life Guard Family Plan provides comprehensive death cover for the whole family. Adults (main member and spouse, aged 18-65) receive N$40,000 each in Accidental Death Cover, while each child (up to 6 children, aged 0-18) is covered for N$10,000.
Permanent Total Disablement
Both adults on the Family Plan receive N$200,000 each in Permanent Total Disablement cover. This benefit is paid when disability is continuous for 24 months and prevents the person from working or performing their usual occupation, as confirmed by a Bonlife-appointed physician.
Income Protection
Following confirmation of Permanent Total Disablement, adult members receive monthly income protection payments of N$30,000. The continuation of payments is subject to ongoing verification of inability to work.
Hospital Cash Benefit
The Family Plan provides N$1,000 per day for each family member hospitalized due to an accident, provided the stay exceeds 24 hours and admission occurs within 10 days of the accident. This benefit has an annual limit of N$20,000 per person, with a total family limit of N$50,000 per year, ensuring comprehensive support for the whole family.
Key Features
Coverage begins after one month waiting period.
No medical tests required.
Claims must be submitted within 3 months of loss.
Only one Life Guard policy is allowed per person.
Cover up to 6 children under one policy
Age Requirements
Entry age: 18-65 years
Coverage continues until age 70
Must be a Namibian resident
Children:
Entry age: 0-18 years / Coverage ends at age 18 / Must be unmarried and financially dependent / Includes biological, adopted, and stepchildren