Couples Plan - Heirs Insurance Group

Heirs Couple's Plan

This plan is for couples; married or unmarried, who want to build a strong financial future together. They set money aside for a period of time and at maturity, the total amount saved is shared according to the terms agreed by both of them.

The plan also comes with a life insurance cover, that pays each partner’s listed beneficiary an agreed amount of money if they don’t survive the plan. That way, their individual interests and family is secure even in marriage.

Finally, if separation or divorce happens, the pool of money is split according to the terms agreed at the start of the plan.

Already insured?
Heirs takes care of everything.

We guarantee a seamless transition from your former contract to your new Heirs contract, without double coverage or risk of interruption.

Perfect for: Parents, grandparents and guardians

Heirs Couples Plan

Perfect For: Couples who want to save together while protecting their individual interests.

Open to Ages: 18-60 years.
From: N10,000/month per couple.
Savings Frequency: Monthly, quarterly, half-yearly, yearly.
Benefits: Total Savings plus interest (CBN SDR rate + 0.75%) at maturity, death benefit to either couple's listed beneficiary.
Life Insurance: Maximum of N5,000,000 for each person.
Cost of life insurance: 1% of your chosen life insurance amount, paid once a year.
Minimum Duration of Plan: 2 years.
Waiting Period: 3 Months.
The Plan terminates if: You withdraw all your money; there is loss of life; or the plan ends.
Surrender Terms: To get any interest, policy must be held for at least 6 months. Surrendering before 6 months gives you just your savings minus the life insurance premium.
Account Statement: Request online, USSD and on mobile.