Quality Diaspora Funeral Support Plan
A yearly renewable term assurance funeral policy designed for individuals living abroad, providing lump sum funeral support for the policyholder and nominated family members in Ghana.
What is the Quality Diaspora Funeral Support Plan?
Protection for families at difficult moments
The Quality Diaspora Funeral Support Plan is a term assurance funeral policy that provides individual and family member cover. It pays a lump sum benefit when the policyholder or covered dependent dies, helping families meet funeral expenses and other welfare obligations.
The policy is renewable every year and expires one year after inception unless renewed.
Key Policy Features
Yearly Renewable Cover
The policy runs for one year and may be renewed annually.
Designed for People Living Abroad
Mainly targeted at individuals abroad who want to support dependents and family members in Ghana.
Six Insured Lives
The required number of insured lives per policy is six.
Flexible Family Cover
Covers the primary insured, spouse, and up to four parents or parents-in-law.
Flexible Contributions
Contributions may be paid monthly, quarterly, semi-annually or annually.
One-Week Ceremony Support
When a dependent dies, 10% of the sum assured may be paid to support the one-week ceremony.
Who Can Be Covered?
Primary Insured
The policyholder living abroad.
Spouse
The spouse of the primary insured.
Parents
Father and mother of the primary insured.
Parents-in-Law
Father-in-law and mother-in-law of the primary insured.
Age Limitations
| Insured Person | Minimum Issue Age | Maximum Issue Age |
|---|---|---|
| Primary Insured | 18 years | 59 years |
| Spouse | 18 years | 59 years |
| Parents / Parents-in-Law | 45 years | 85 years |
Benefit Packages / Sum Assured
| Category | Scenario 1 | Scenario 2 | Scenario 3 | Scenario 4 |
|---|---|---|---|---|
| Death of Primary Member | 20,000 | 30,000 | 50,000 | 80,000 |
| Death of Spouse | 15,000 | 20,000 | 30,000 | 50,000 |
| Father | 30,000 | 50,000 | 80,000 | 100,000 |
| Mother | 30,000 | 50,000 | 80,000 | 100,000 |
| Father-in-Law | 30,000 | 50,000 | 80,000 | 100,000 |
| Mother-in-Law | 30,000 | 50,000 | 80,000 | 100,000 |
How to Join the Plan
Complete Proposal Form
Applicants complete the proposal/application form with personal, policy, health and beneficiary details.
Choose Benefit Package
Select Scenario 1, 2, 3 or 4 based on preferred cover level.
Choose Payment Frequency
Monthly, quarterly, semi-annually or annually.
Payment Options
Direct collection, cheques, cash/direct debit, or mobile money transfer.
Claims Documentation
At death, the following are required:
- Completed Death Claims Form
- Proof of Death: Death Certificate, Medical Certificate of Cause of Death, or certified register entry
- Any valid identifiable National ID Card
- Policy Document
- Affidavit if the policy document is missing
Frequently Asked Questions
Can I withdraw part of the money in my account?
No. This is a pure life one-year term policy, so withdrawals are not applicable.
Who can take this policy?
The plan is mainly for individuals living abroad. The primary insured must be above 18 years and below 60 years.
What happens if I die?
If the policyholder dies while the policy is active, the death benefit is paid to the beneficiary or beneficiaries as a lump sum. The policy automatically expires upon the death of the policyholder.
What happens if I cannot make regular contributions?
The policy lapses after the 31-day grace period. Upon lapsation, the policy is terminated.
Start Your Plan Today
Protect your loved ones from unexpected funeral expenses with reliable support from QLAC.
Quality Diaspora Funeral Support Plan
Application Form
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Quality Diaspora Funeral Support Plan