Death is inevitable. It may not be a thought that crosses your mind often, but what do you hope for when you have to consider your funeral. Surely you are hoping that your funeral will not cause your family any financial hardship and that they will also have the dignified funerals they deserve.

Home Care Plan from Vanguard Life Assurance Company provides immediate payment of selected benefits to the policyholder or designated beneficiary in the event of death of any life assured to cover the funeral expenses of lives assured.

You can plan ahead for a dignified funeral and provide your family with peace of mind. Start with what you hope for by planning and saving today. With this plan, you'll be paid out in a lump sum within 72 hours for valid claims on receipt of all required claims documents. Most importantly, it's affordable funeral insurance.

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The Unity Home Care Plan provides life insurance cover on the life of the secondary lives or the primary life (policy owner) and pays the selected benefit in the eventuality of death.

Home Care Plan

Home Care Plan is a group term assurance policy providing funeral finance assurance to customers of Unity Link as well as their relatives.

Insurability

Every healthy person of at least eighteen (18) years of age, sender of remittance through the platform of Unity Link and less than Seventy Five (75) years of age at the moment of expiry of the insurance, is insurable.

Incontestability

The declaration of the insured member is the basis on which the corresponding individual insurance certificate is generated. This certificate becomes incontestable starting from its effective date, except in case of an intentional false declaration, an omission or an inaccuracy in the declaration of the risk evaluation elements. This certificate is delivered to Unity Link, who should in turn deliver it to the insured member.

Effective Date of Membership

The effective date of the insurance is the inception date of the contract between Unity Link and Vanguard Life or the date the number of remittances required granted by Unity Link, whichever is latest.

Miscellaneous

An insurance certificate is issued by Vanguard Life. The certificate and its corresponding contract shall in all respects be constructed according to the laws of Ghana, and no liability shall attach to the Company under any judgment or decree, save a court in Ghana.

Premium

The premium payable is a single premium which is paid in advance at inception. The premium may be amended by Vanguard Life, if necessary. This revision shall be based on actuarial experience.

Definition of Life Cover

The maximum life benefit provided under the Policy is the benefit level subject to a maximum of GH¢10,000. This cover is subject to a waiting period of three (3) months from the commencement date of the policy.

Admissible age limit table

The maximum life benefit provided under the Policy is the benefit level subject to a maximum of GH¢10,000. This cover is subject to a waiting period of three (3) months from the commencement date of the policy.

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Do you need to claim?

Follow the easy steps below to get your claim fast and efficiently.

Notify us

Please notify us of your intent to claim within 24-hours of the event. If this isn’t possible, please call us as soon as possible on the below numbers.

Contact our Customer Service Department:

Monday to Friday

Walk in centre hours: 08:00 to 16:30
Call centre hours: 8:00 to 17:00 - Monday to Thursday

Fridays - : 8:00 to 16:30
Telephone numbers: 0302 235437 - 5, 028 9533900
Email: info@vanguarglife.com

2. Required documents

You’ll need to send us relevant Final Dignity Assurance Plan documentation. Download the necessary forms by clicking on the links in the lists below.

Natural Death

In the event of a natural death, Vanguard Life requires the following documents to process the final dignity assurance policy payout:

  1. Completed Claim form by the claimant
  2. Original policy documents
  3. Original or Certified true copy of medical certificate of the cause of death
  4. Certified copy of death certificate
  5. Certified copy of identity document of both the insured and beneficiary or trustee
  6. Certified documentary proof of marriage (if applicable)
  7. Prove of age of deceased life if age is not admitted.
  8. Any other documents deem necessary by the insurer.

Unnatural Death

In the event of an unnatural death, Vanguard Life requires the following documents to process the funeral policy payout:
  1. Completed Claim form by the claimant
  2. Original policy documents
  3. Original or Certified true copy of medical certificate of the cause of death
  4. Certified copy of death certificate
  5. Certified copy of identity document of both the insured and beneficiary or trustee
  6. Certified documentary proof of marriage (if applicable)
  7. Prove of age of deceased life if age is not admitted.
  8. Any other documents deem necessary by the insurer.

Permanent Disability

In the event of permanent total disability, Vanguard Life requires the following documents to process the family welfare assurance policy payout:
  1. Completed Claim form by the claimant
  2. Original policy documents
  3. Original or Certified true copy of medical certificate of the cause of death
  4. Certified copy of death certificate
  5. Certified copy of identity document of both the insured and beneficiary or trustee
  6. Certified documentary proof of marriage (if applicable)
  7. Prove of age of deceased life if age is not admitted.
  8. Any other documents deem necessary by the insurer.

Cash Back/Loyalty Benefit

  1. A completed application or written request for cash back or total return of premium benefit by policyholder.
  2. Payment will be made to the bank account of the policyholder used to pay premiums or the policyholder will provide a bank account to enable the payment if the mode of premium payment is employer deduction.

3. We’ll keep you posted on the status of your claim

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We value your concerns, comments and compliments. If you are not satisfied with anything concerning our services, or if you have any enquiries, complaints or you wish to make changes to your policy etc.,

Kindly contact our customer clinic on 0302 235437 - 5, 028 9533900 or www.vanguardlife.com or contact any of our branches and sales offices nationwide.

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