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Individual Policies
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This is a simple and affordable product which provides basic services.

Salient features of the Moonlight Individual Policy

Casket:The casket is dependent upon the chosen plan
Grocery Allowance:Payable upon the death of a covered life. The grocery allowance payable for children aged below the age 14 is a percentage of the amount payable to the policyholder as stated in the terms and conditions. 
Minimum and maximum entry ages:The minimum entry age is 18 age last birthday and maximum entry age is 65 age next birthday.
Minimum and maximum entry ages for dependants:Dependants may be covered from birth and maximum entry age for dependants other than own children are 80 age next birthday.
Covered Lives:The product covers 2 adult lives. Any additional lives are covered at an extra premium per life
Children:The principal member’s own children are covered for free up to the age of 18 or 23 if attending tertiary education. The maximum number of children covered for free is four. Any additional children are covered at an extra premium per life.
Term of Policy:  Whole life.
Premiums:Premiums are payable per life and are due on the 1st day of each month 
Waiting Period:The waiting period for this product is 3 months. However, accidental death is covered if it occurs during the waiting period. Waiting period for suicide is 24 months.
Grace Period:A grace period of 2 months will be given if a premium is not received on the due date. If premiums are not received during the grace period, the policy will lapse once the grace period elapses.