Life Insurance

Protect yourself in the event of a work stoppage!

You play an important role in your family by providing them with sufficient income to ensure their well-being. What if your state of health forced you to stop work?

Whether you are an employee or a self-employed person, financial protection is essential in order to maintain your standard of living and that of your family at all times.

Why protect yourself?

Life is made up of unforeseen events that can weaken you financially. You may find yourself temporarily or permanently incapacitated for work after an accident or illness.

In such cases the indemnities paid by Social Security are rarely sufficient to cover the monthly expenses (for example, the repayment of your loans).

With the Income Protection plan, protect yourself in order to best protect your standard of living and that of your family.
Income Protection plan: its advantages

• An annuity of up to 75% of the insured person's monthly income.
• An accessible contribution (from Rs 220 per month).
• Coverage up to retirement age (65) in the event of disability.
• Membership possible up to the age of 60.

You should know that an insured person is declared disabled if they are totally incapable, due to illness or unintentional injury, to perform the tasks related to their profession or any other function.

Today, 1 in 9 women are touched by cancer in their lifetime. No one is immune!

Female cancer often results in a long recovery period, loss of income and high costs. Assurance Cancer Féminin is an innovative life insurance policy dedicated to women, which provides for the payment of a lump sum of up to 3 million rupees.

This insurance covers the following 6 typically female cancers:

• Breast cancer
• Cervical cancer
• Ovarian cancer
• Uterine cancer
• Cancer of the vagina or vulva
• Cancer of the fallopian tube.

Other data:

Breast cancer: 1.7 million new cases in 2012 worldwide *
Between 35 and 64, cancer remains the most common fatal disease in women.
* International Agency for Research on Cancer data – 2012

Guarantee a loan
This life insurance plan called "Decreasing Term" allows you to guarantee the repayment of a loan at a lower cost, thus protecting your family from any financial worries if you die or become disabled before having fully repaid. your debt.

It is the ideal cover and the cheapest life insurance to secure a home loan without putting your family at financial risk. This is financial protection in the event of death, or total or permanent disability of a fixed term and can be taken out individually or jointly.

 Provide income for your heir Provide income for your heir
This life insurance plan called "Level Term" guarantees the payment of a premium to the beneficiary only in the event of death or total and permanent disability of the insured person before a defined term.

In this simple and affordable way, you can protect the financial interests of your heirs.

It's our way of helping you take care of your loved ones.

Support service
Taking out life insurance is a very important decision since it commits you over several years and must, moreover, be adapted to your personal situation.

How much money you need to build your house, your children's tertiary education, finance your retirement ... These are questions that concern you because you want to protect your family and exercise foresight.

At Good Harvest Ltd, we give you that peace of mind. Our personalized advice service supports you at every stage of your life.

The Retirement Plan allows you to create a fund during your working life.

This savings will then be, at the client's choice and depending on the options chosen, paid for life in the form of a monthly pension when the time comes when the beneficiary retires.

At Good Harvest Ltd, we try to anticipate all situations. We have included in our contract a guarantee period of 5 or 10 years which begins when the pension payment is due.

In the event of death occurring during this guarantee period, the company will ensure payment of the monthly pension to the heirs mentioned in the contract. This pension will only be payable for the remainder of the guarantee period.

So you can plan a stable retirement with peace of mind ...

Managed Personal Pension Plan

The Personal Pension Plan solutions allow you to save today for your future! 4 good reasons to choose our Life Pension Plan:

• Contribute early and regularly thanks to a regular “standing order”
• Bequeath your Personal Pension Plan to the person of your choice (your beneficiary) in the event of death. An option that only an insurance company can offer you!
• Convert your pension savings into retirement from age 55!
• Maximize your investments with our range of investment funds that can meet your security and return needs.

The advantage of this product is that you are insured for a predetermined amount on a fixed date. This payment will be made to you systematically during your retirement.

Annuities - Lifetime Pension

You are approaching an age close to your retirement ...
Thinking of converting your individual pension plan value?
Or do you simply want income continuity throughout your retirement?
Good Harvest Ltd offers you solutions.
“Annuities” guaranteed for life!

By paying a one-time life insurance premium or transferring the individual value of your pension plan, you have the flexibility to choose the annuity that suits your needs. And depending on the chosen annuity you will receive a monthly annuity.

We offer different annuity options such as choice of guarantee period in the event of death, transfer of income payment to the last person alive, annuities that increase each year, and so on.

Transfer Value

Have you just changed employer and had a company pension plan with your previous employer?

You therefore have the option of transferring the individual value of your previous company pension plan to our Personal Pension Plan.

Who doesn't want the best for those around them? Your dearest wish is to plan your finances and be able to afford a car, a nice house and of course the comfort and satisfaction of your family.

All of these goals are long term, and that's good news because our savings and investment plans have been designed to ensure you achieve these long term goals.

Good Harvest Ltd offers you a wide range of savings and investment insurance solutions that will help you build your wealth.

You also benefit from life insurance coverage and therefore ensure the protection of your family. So our plan also gives you the double advantage of protecting those around you as well as the return on your savings.

The purpose of an education plan is to allow parents to create capital that can help them finance the expenses related to the tertiary education of their children.

The main advantage of the Education Plan is the guarantee that the financing of the educational project is assured even in the event of death or total and permanent incapacity of the insured parent.

For example for a 15-year contract, if one of the health concerns mentioned in the contract happens to you and you have contributed for only 3 years, we continue to contribute to the payments due for the remaining 12 years and, in addition, will pay an equivalent amount to meet part of the financial needs of the child in studies. Without forgetting that we guarantee the payment of the accumulated capital at term.

In short, with the Education Plan, you build capital that will protect your child from need while they study.