What is Life Cover?
Secure your family's future, whatever happens.
Seedstone Insurance Agency arranges and manages your cover end to end — from quote to claim — so you always deal with one trusted team. Your policy is underwritten by Old Mutual Botswana, giving you the security of an established insurer behind every claim.
The full range
Life Cover for individuals, borrowers and teams
Beyond individual cover, Seedstone arranges credit life, disability and employer-sponsored group benefits — expand any product for the detail.
Credit Life Cover
Protects your loan repayments so debt never passes to your family.
Group Credit Life Cover
Settles or maintains your outstanding loan balance if you die or become disabled — keeping your obligations off your family.
- Death of the borrower
- Permanent disability
- Temporary disability
Disability Benefits
Income and capital protection if disability stops you working.
Temporary Income Protection
Short-term income replacement while you recover and get back to work.
- Replaces a portion of your monthly income
- Pays for up to 12 months
- For temporary disability or illness
Group Income Protection (Permanent Health Insurance)
Long-term income protection, typically arranged by an employer for the whole team.
- Long-term income replacement
- Continues until retirement or recovery
- Employer-arranged group benefit
Lump Sum & Occupational Disability Benefit
A one-off capital payment when permanent disability prevents you from working.
- One-off lump-sum payout
- Paid on permanent disability
- Occupational cover — unable to perform your own occupation
Group Life & Accidental Death
Employer-arranged death benefits for employees and their families.
Group Life Assurance
A lump-sum death benefit for employees, arranged and managed by the employer.
- Lump-sum benefit on death of a member
- Employer-sponsored group scheme
- Cover for the whole workforce
Accidental Death Benefit
An additional benefit paid when death is caused by an accident.
- Extra lump sum on accidental death
- Pays in addition to the life benefit
- 24/7 worldwide accident cover
Policy Coverage
What's included in this policy
- Death benefit lump sum, paid to your beneficiaries
- Terminal illness accelerator (early payout)
- Disability cover (optional)
- Premium waiver on disability
- Beneficiary nomination
Key Benefits
Why clients choose this cover
Lump Sum Payout
Your family receives a tax-free lump sum.
Flexible Terms
5 to 30-year policy terms available.
Simple Application
No medical exam for cover up to BWP 500,000.
Get Started
Request your Life Cover quote
Tell us a little about what you need to protect and an advisor will be in touch — usually within two hours, with no obligation.
- Free, no-obligation quote
- A real advisor responds within 2 hours
- Underwritten by Old Mutual Botswana
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Common Questions
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Motor Insurance
Choose the level of cover that fits how you drive.
- Windscreen and window glass replacement
- Emergency towing and roadside assistance
- Hire car while yours is being repaired
- Riot, strike and malicious damage
Funeral Cover
Give your family dignity when it matters most.
- Cash lump-sum payout towards funeral costs
- Repatriation / transport of the deceased
- Grocery benefit to support the family
- Tombstone benefit (optional)
Income Protection
Your salary, protected when you can't work.
- Monthly income replacement (up to 75% of salary)
- Covers illness and injury that stop you working
- Temporary and permanent disability
- Rehabilitation benefit to help you return to work