FlexiSaver is a unit linked savings policy offered by Pan Africa Life designed to guard and grow your savings while simultaneously offering cover to reduce the impact of an untimely demise. This product offers you a guaranteed minimum return of 2% on your savings premium. Further more the premium protector benefit ensures that your savings dream is still realized in the event of death or permanent total disability. On death or permanent disability the company undertakes to pay the premium directly into your fund up to a maximum of KES 5000. The product also comes with a compulsory accidental death and personal accident benefit payable at an affordable monthly premium

Monthly savings premium can range from as little as KES 2,150 to an upper limit of KES 25,000. Clients get the choice of either the 5% compulsory inflation protector or the more conservative 10%. Premium paid for accidental death and personal accident cover can be as low as KES 100 for KES 200,000 of cover.

As the years go by the cost of living is rising. To ensure that you can still get a meaningful benefit, the inflation protector feature is included Every year at the policy anniversary the premium expected will increase by 5%. Any cover amounts in the plan will also correspondingly increase. An optional 10% can be selected.

In the event of death, Pan Africa life will maintain your savings premium to the end of the policy term. This benefit covers up to a monthly premium of KES 5,000. The nominated beneficiaries have the option of either cashing in the fund on death or waiting out until maturity to derive the benefits that will have grown significantly with the premiums paid by the company.

As an optional rider, the client can opt to take the premium protector benefit on permanent and total disability benefit as well. The benefit received is identical to payments made on death except that this is effected if the client is incapacitated and cannot engage in gainful employment.

Premiums can be paid monthly, quarterly, semi-annually or yearly at the client's convenience. Apart from regular premiums, lump sum amount can be invested at any time to boost the savings fund. Payments can be received either through the check-off system or through the client's bank by direct debit or banker's orders.