Ease your burden

The AkwantuPa Policy is an innovative product from Enterprise Life which eases the burden and stress involved with funeral planning and financing when living abroad, with a few easy steps and a click of a button. With a wide range of product offerings, the policy caters for the need of every Ghanaian funeral setting from the modest to the lavish, by way of instant cash pay outs or offering a full range of funeral services. Sign onto the AkwantuPa policy and exchange the burden of funeral financing for an advantage of convenience and serenity.

The Policy will pay a lump sum if any member you have insured passes during the period of cover.

After signing up to this policy, your policy documents (Welcome Letter or Acceptance Letter, Insurance Certificate, Policy Terms and Conditions document) will be automatically emailed to you. Please read these documents to familiarize yourself with the terms and revert to us within 30 days from the acceptance date, should you decide to cancel. You will also receive an automatic notification of successful payment, confirming that we are in receipt of your first premium. This would further be confirmed by email from us within 14 business days. .

Yes, the policy can be taken up to cover family member(s) only. However, the covered family member(s) must be resident(s) in Ghana.

You decide how much benefit you would like this policy to pay out. There are five different cover levels available to choose from: GHS10,000, GHS20,000, GHS30,000, GHS40,000 and GHS50,000.

Yes, the policy will pay out the amount chosen anytime a member passes away, so long as the policy is active and all conditions are met.

Claims will not be paid if:
1. The relationship of the person you covered is outside our definition of family members (parents, in-laws, spouse, children, foster-parents, guardians and siblings).
2. Death due to natural causes, occurs within the waiting period (6 months after start of cover)
3. Policy terminated upon request or due to non payment.
4. If death of the policyholder is as a result of an exclusion (please see the next FAQ for a list of the exclusions).
5. The initial premium has not been paid.
6. The policy has lapsed � Premiums have not been renewed (paid) after 30 days from the last renewal.

The company will not recognize any claim occasioned or accelerated by any of the following causes:
1. Suicide, attempted suicide or any self-inflicted injury within 2 years, whether the Policyholder is sane or insane at the time.
2. Any act committed by the Policyholder which constitutes a violation of criminal law.
3. Excessive use of alcohol, willful inhalation of gas, willful exposure to radioactivity or the willful taking of poison or drugs (except as prescribed by a medical practitioner) resulting in the death of the Policyholder.
4. Any act of war, military action, terrorist activities (whether war be declared or not), riots, strikes, civil commotion or insurrection, in all cases whether as an active participant or not
5. Active participation in mountaineering, horse riding, motor cycle racing, hunting, fighting (except in self-defense) any speed contest other than a speed contest on foot.
6. Participation in any form of aviation other than as a fare-paying passenger on a scheduled air service over an established passenger route.
7. Military service or training in the armed forces of any country and for this purpose �military service� includes army, naval and air force service.

Uncles and aunties can be covered or insured as Guardians or Foster-Parents if they have played or play that role in the policyholder's life.

You can cover a maximum of four (4) members on the policy. Therefore, if you cover yourself for repatriation, you can only add three (3) more members.

The Repatriation Package is an additional cover available under AkwantuPa. It provides coverage that allows a policyholder's mortal remains to be transported back to their home country (Ghana) and other formalities associated with it. The Repatriation package covers the cost of air fare (flight ticket) and documentation required to transport the main life's body from the resident country to the home country, Ghana.

The repatriation benefit can be selected to cover;
1. The Policyholder
2. Any Family Member who lives abroad
However the lump sum benefit on any other family member who lives in Ghana can be converted to the Repatriation benefit where the family member passes away abroad.

The benefit for the Repatriation Package depends on the cover level chosen under AkwantuPa. There are specific services under each benefit level that make up the full Repatriation benefit.

Yes. A Ghanaian who is resident abroad can purchase just the Repatriation Package under AkwantuPa.

No. The Repatriation Package is an optional benefit that can be chosen. It is only available on the Silver, Gold and Platinum benefit levels on AkwantuPa.

Yes. You can request for your AkwantuPa policy to be amended to add the Repatriation package. This would however come at a charge that would increase your existing premium.

Yes. There is a 15% automatic premium update facility on AkwantuPa which applies to the Repatriation Package. This will increase all the benefits available including the Repatriation benefit once a year. The automatic premium update is an inflation protector that ensures the benefit payable would be enough to cover the costs of providing the benefits under the Repatriation packages when the prices escalates.