Life Insurance Questionnaire | Le'risque Africa
This Life Cover leaves a lumps of cash to those who depend on you when you pass on. 

i.e. it replaces your economic value because when one dies because they can no longer provide the income when gone

This cover can be taken living benefits that pay out a lump sum in the case of accidental disability or critical illness (like a cancer, stroke, coma, heart attack). 

It is important because it helps your loved ones with:
  1. Paying off any pending debt
  2. Taking care of day to day household obligations e.g. rent, bills, etc
  3. All forms of childcare including their education
  4. Protect business and ensure its continuity
  5. Leave a legacy and create generational wealth (through a cash inheritance) - especially for whole life covers since death is an eventuality.
Advantages
  1. Life policies do not go through probate courts when one dies (payout cannot be contested)
  2. Payout is done in about 2 weeks (after claim is made due to a death or diagnosis of a critical illness/ total and permanent disability from an accident)
  3. Payout is tax-free.
  4. Ensures that family is does not have stress/is not desperate to liquidate any investments prematurely in the case of a death or when incapacitated
  5. This ensures continuity in the family unit (to focus on healing because money is not an issue)

This form is to highlight your knowledge and need for a life insurance. This will guide us in preparing for the discovery call. 
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Email *
Name:  *
Gender:

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Date of Birth: *
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Occupation: *
My income is:
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Marital status: *
What is your smoking status? *
What is your overall knowledge of life insurance? *
Why are you looking into getting a life cover? *
Do you currently have any personal life cover? *
Do you have life cover through work? *
How many dependants do you have and their ages? (A dependant is anyone depending on your income, could be spouse, children, parents)? *
What level of protection are you looking for (The sum assured) Or what is your monthly budget for your life cover (the premium you want to pay)? 
 
TO NOTE:

To calculate ideal sum assured:

Ideally life cover should be about 10 times your annual income. This is an amount that can replace your income in the case of death, disability or critical illness. 

This can also be the amount you want to leave for your family as inheritance (in the case of Whole Life)

But you can start with the premium amount you can afford and build from there
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Term of Protection of cover? (how long do you need to protect your income) *
Your preferred frequency of payment?

*Please note that paying lump sums comes with discounts with annual payment having the biggest discount*
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How soon do you want your life cover? *
Are you interested in setting up a TRUST FUND for your beneficiaries?

Trust funds can contain money market funds, other liquid investments and can be used when alive for asset protection.

They are also great at distribution of funds like life insurance proceeds to beneficiaries when one passes on. 

For example, if you do not want the family to receive full sum assured, say 20 Million at a go, you can have it distributed as Ksh 100,000 per month according to your wishes.
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How did you hear about us? *
What is your preferred mode of communication? *
If you prefer a phone call, please share your phone number here
Comments and/or questions that can help us better prepare for our meeting 
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