APO Family Benefits Plan

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Many of us spend the best years of our lives striving to provide our family’s with the best that we can afford. Often, it’s a never-ending struggle – for, if we’re not agonising over bond repayments, we’re worrying about the education of our children, about safety and security in our neighbourhood, about an increase in taxi fares….

Our major worries revolve around money. Although we acknowledge the importance of planning for a rainy day, most of us never really get down to doing it – until, suddenly, there’s a death in the family, and the little money put aside for emergencies is gobbled up in a matter of days.

And yet, by answering just one question, a shortage of cash need not be the inevitable consequence of bereavement: “Have I safeguarded myself and my family against the financial burden of an unexpected death?”

If your answer’s “No” – there are a number of excellent reasons for you to sign up with the APO – and its Family Benefits Plan….

Why the APO?
The APO – or to give you our full name, the African Peoples’ Organisation – has been in existence for more than 100 years. And we’re proud to say that all this time has been spent in the service of disadvantaged communities.

We know your community – because we’ve always been part of it.

So, what are we offering you?

A benefit plan to suit every pocket. For a low monthly premium, ranging from R30 to R73, we will provide your family with guaranteed cover.

All you have to do is choose the plan that best suits your pocket.

And remember:
NO MEDICAL EXAMINATION IS NECESSARY AND NO QUESTIONS ABOUT YOUR HEALTH WILL BE ASKED.

  • Plan A – A premium of R73 a month guarantees you cover of R10 000 if you die unexpectedly;
  • Plan B – A premium of R58 a month guarantees you cover of R7 500;
  • Plan C – A premium of R49 a month guarantees you cover of R6 000
  • Plan D – A premium of R43 a month guarantees you cover of R5 000
  • Plan E – A premium of R30 a month guarantees you cover of R3 000.

What about your children?
Your children – and the above plans make allowances for four – will be covered in the following way:

  • Those aged 14-20 years will receive 50 percent of your cover;
  • Those aged 6-13 years will receive 25 percent; while
  • Those aged up to 5 years will receive 12.5 percent.

Note, too, that unmarried children who are still fully dependent on you, and are studying full time at a recognized institution of learning, will be covered up to the age of 25.

We’re flexible too
We’re aware that some families may have more than four children, or children over 20 years of age. In such instances, we’ll provide cover for additional children for 50 percent of the amount for which you are covered.

If you wish, you can extend coverage to brothers, sisters, brothers-in-law, sisters-in-law, parents and parents-in-law, as well as additional spouses, for half the amount for which you are covered.

What happens after you’ve signed up?
To ensure that you have total piece of mind from Day One, we will:

  • Provide you with cover as soon as we receive your first payment.
  • Pay out the full amount insured within 48 hours, in the event of an accident.
  • Pay out 50 percent of the amount covered for deaths from natural causes that occur between 6 and 12 months after the receipt of your first payment – and 100 percent if a natural death occurs 12 months or more after your first payment.

Other frequently asked questions:
Q. Are there any age restrictions to joining the APO’s Family Benefits Plan?
A. You must be between 20 and 64 years of age when you apply. Relatives or dependants whom you wish to cover must be younger than 75 at the time of your application.

Q. For how long will I have to make contributions?
A. For as long as you’re alive.

Q. What if I change my mind about joining the plan?
A. You have a full 30 days after you receive your contract to review the terms and conditions – and to decide whether to accept the policy or not.

Q. What will happen to my policy in the event of my death?
A. We’ll continue providing cover for your spouse and dependent children (but not your extended family) without any further premium payments. Note, however, that this benefit will not apply if death due to natural causes occurs in the first 12 months of the policy, or death due to suicide occurs in the first 2 years that the policy is in force.

Q. Under what circumstances will benefits not be paid out?
A. Benefits will not be paid in the event of suicide within the first 2 years of receipt of the first premium, or if death due to natural causes occurs within the first 6 months of payment of the first premium.

Q. Does the Family Benefits Plan disqualify people who have AIDS?
A. People who are HIV-positive or who have AIDS are welcome to join the plan.


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