EPARGNE OMEGA contract allows you to build up capital while providing death benefits for your loved ones. In the event of death or total and permanent disability, a capital equal to twice the accumulated savings will be paid to the beneficiary, while the death capital represents the equivalent of the accumulated savings.

You fill a membership application. A medical questionnaire must also be completed for the insured. You must show sincerity, accuracy and a medical visit may be required.

If the insured does not die, only the accumulated savings are guaranteed.

The contract takes effect no later than 15 days after payment of the first premium. The effective date is specified in the special conditions of the contract. The duration of the contract is that decided upon when signing the proposal. The maximum duration is 15 years and provides automatic annual renewal upon expiry.

From the end of the first year of the contract, you can request by simple mail a withdrawal of part or all of the savings made up. Only total surrender terminates the contract and no redemption fees is applied.

The payment of the savings constituted in the event of survival is made within 48 hours. In the event of death, payment of the death benefit is made within 30 days after submission of the supporting documents required for settlement.

The contract is funded by monthly installments with a minimum of 10,000 FCFA per month and a maximum of 400,000 FCFA per month. It is possible to make additional payments at any time.

Savings are made up of all payments (scheduled and free). The guaranteed death capital is equivalent to twice the accumulated savings.

All the loadings are null, that is to say:

• Fees on payments: set at 0% of payments (commercial premium).
• Fees on outstandings: set at 0% of outstandings for the previous year.