The single source of truth for Bonlife.

The short version

Bonlife Assurance Namibia is a Namibian insurance company that provides affordable, accessible financial protection to ordinary Namibians and their families. We are headquartered at 73 John Meinert Street in Windhoek, and we operate 20 branches across the country - from Lüderitz in the south to Eenhana in the north.

We insure real life: the funeral that arrives without warning, the breadwinner a family cannot afford to lose, the accident that stops an income, the education a child deserves, the savings a household never quite manages to build alone. Our job is to make sure that when life happens, money is not the thing that breaks a family.

Mission, vision, and core purpose

Our purpose: To make financial protection accessible to every Namibian family, not just the wealthy or the well-connected.

What that means in practice:

• No medical tests on any plan. A short health declaration at most (OneLife Plan).
• Premiums that start from as little as N$48 per month.
• Plans for every stage of life, from a newborn's education fund to funeral cover at age 84.
• Claims paid within 48 hours of verified documents - because a grieving family cannot wait weeks.
• Branches in the towns where our customers actually live, and a WhatsApp line for everyone else.

The bigger ambition: Bonlife has historically been known as a funeral cover company. That reputation was earned honestly - funeral cover is where we started serving families. But Bonlife today is a full financial protection company across four categories: Funeral Cover, Life Insurance, Accident & Disability Cover, and Saving & Education Plans. Our current brand mission is to make Namibia see the whole picture.

Brand personality, voice, and values

If Bonlife were a person, it would be the trusted family friend who explains money matters at the kitchen table - warm, straight-talking, and never condescending.

Our voice is:

• Short and punchy. We front-load the point. No burying the benefit in paragraph three.
• Benefit-led. We talk about what the customer gets, not what the product technically does.
• Warm. We are dealing with death, disability, and family security. Coldness has no place here.
• Jargon-free. If a smart 15-year-old would not understand it, we rewrite it.

Our values in action:

• Accessibility. Cash accepted at any Bonlife branch, NamPost, MobiPay, PayToday, Kazang, USave, Checkers, Shoprite, Model, Choppies, Rani Group, Airtime City and Woermann & Brock, plus card payments on Bonlife 90. You do not need a bank account relationship with us to be protected.
• Speed. Claims paid within 48 hours of verified documents. N$1,000 Instant Cash paid the same day a funeral claim is approved.
• Honesty. Waiting periods, exclusions, and lapse rules are explained plainly, upfront.
• Loyalty rewarded. The Kampala Loyalty Programme gives back to customers who stay - every policyholder on a funeral plan or the Cash Plan is automatically enrolled, at no extra cost.

How Bonlife sees its customers

Our customer is the everyday Namibian household. The nurse in Oshakati. The mineworker in Tsumeb. The pensioner in Rehoboth. The young parent in Katutura thinking about their child's university fees. They work hard, they carry family responsibilities that often extend beyond the nuclear household, and they deserve financial products built for their reality - not scaled-down versions of products built for someone else.

That is why the Family Plan covers up to 14 people on one policy, including extended family up to age 75. In Namibia, family is bigger than a household, and our products reflect that.

The problems we solve

1. A death in the family creates an immediate financial crisis. Funerals in Namibia are significant, dignified, community events - and expensive ones. Our funeral plans make sure the money is there, fast.
2. Losing a breadwinner destroys a family's future, not just its present. The OneLife Plan pays a lump sum of up to N$1,000,000 so a family can carry on. The Cash Plan pays monthly support for six months so a family can rebuild steadily.
3. Accidents stop incomes. The LifeGuard Plan protects against accidental death, permanent disablement, and lost income.
4. Saving alone is hard. The Savings Plan and Study Plan turn small monthly amounts into real capital - for emergencies, for goals, and for a child's education.

Where Bonlife fits in the market

Bonlife operates in Namibia's long-term insurance market, competing in the mass-market and funeral assurance segment. Our positioning is built on three pillars:

1. Physical accessibility - a genuine nationwide branch network, not just a Windhoek head office.
2. Product accessibility - no medicals, low entry premiums, cash payment options.
3. Digital accessibility - a WhatsApp chatbot, online applications for every plan, and Bonlife 90 (insure.bonlifenam.com), where anyone can get a real quote in under 90 seconds through Bonnie, our AI assistant.

What makes Bonlife different

• Claims paid within 48 hours. Verified claims are paid within two days. This is our single most powerful proof point.
• N$1,000 Instant Cash. Included in the Family, Prime, Senior, and Legacy Plans, paid the same day a claim is approved via eWallet or EFT. When a family is planning a funeral, same-day cash matters.
• The Kampala Loyalty Programme. Almost no competitor rewards policyholder loyalty with monthly lucky draws, airtime, claim value increases, and maternity premium holidays - automatically, at no extra cost.
• Extended family cover. Up to 14 lives on one Family Plan policy, extended members to age 75.
• Culturally fluent add-ons. Casket, tombstone, grocery, transportation, refreshment, and the Onyama MeatFeast benefit (roughly 70kg of A-Grade beef) - benefits designed around how Namibian funerals actually work.
• The four-category portfolio. Few competitors in this segment offer funeral cover, lump sum life insurance, accident cover, and savings products under one roof.

The customer journey

Discover. Customers meet Bonlife through branches, agents and brokers, Facebook, Instagram, TikTok, Google Search, radio, and word of mouth - which, in the funeral insurance space, is the most powerful channel of all. A claim paid quickly and kindly creates ten new customers.

Explore. They visit bonlifenam.com or the /bonlife-plans/ hub, message the WhatsApp chatbot on +264 81 413 4557, SMS their name to 74448 for a call-back, or walk into a branch.

Buy. Every plan can be applied for online, on paper at a branch, or through an agent. Bonlife 90 (insure.bonlifenam.com) - Bonlife's online quoting and cover app, the first of its kind in Namibia - lets customers get a quote and cover quickly and easily online, end to end. Customers who apply on Bonlife 90 pay 10% less on their monthly premium, every month (Family, Prime, Senior, Legacy, OneLife, Cash and LifeGuard Plans). Payment methods: debit order, cash, EFT, and card on Bonlife 90. The OneLife Plan is paid by debit order or card only - no cash. Where to pay cash: any Bonlife branch, NamPost, MobiPay, PayToday, Kazang, USave, Checkers, Shoprite, Model, Choppies, Rani Group, Airtime City, and Woermann & Brock.

Experience. Cover starts on the first of the month after the first premium. Policyholders on the Family, Prime, Senior, Legacy and Cash Plans enter the Kampala programme automatically at month 3. Premiums are due on or before the 1st of each month; a policy lapses after 3 consecutive unpaid premiums but can be reinstated. Savings and Study Plans never lapse for missed payments.

Claim. Documents in, verification done, payment within 48 hours - with Instant Cash on the same day for the four funeral plans. This moment is the entire brand promise made real.

Bonlife offers nine plans across four categories. This section is the short summary of each plan. Full details - prices, ages, benefits, extras, waiting periods and rules - are on each plan's page in the Plans section.

How many policies you can hold: up to two Family Plans per Main Life, and one policy per Main Life on each of the other risk plans (Prime, Senior, Legacy, OneLife, Cash and LifeGuard). Different plans can be combined - for example, a Family Plan and a Cash Plan.

Important communication rule: Funeral plans pay Cash Benefit Cover. Only the OneLife Plan pays a lump sum. Never describe funeral plan payouts as lump sums.

Getting a quote

Every plan below has a direct Bonlife 90 quote link. If a customer is unsure which plan fits, share the general quote link and let Bonnie guide them.

10% online discount: customers who apply on Bonlife 90 pay 10% less on their monthly premium, every month. This applies to the Family, Prime, Senior, Legacy, OneLife, Cash and LifeGuard Plans. It does not apply to the Savings and Study Plans.

Category 1: Funeral Cover

Family Plan

Eligibility and price: Ages 18-65, from N$48/month

Bonlife's flagship plan. One policy covers up to 14 people: the main life, spouse, up to 6 children, and up to 6 extended family members aged 0-75.

Key benefits:

• Cover options of N$5,000, N$10,000 or N$25,000
• Spouse covered for the same amount as the main life
• Children covered for N$10,000 each (or the main life's cover, if lower)
• Double cover on accidental death for the main life and spouse
• N$1,000 Instant Cash
• Optional Premium Waiver at 10% of the premium: if the main life passes away, everyone else stays covered with no further premiums
• Access to the full menu of add-ons
• Standard waiting period of 12 months, reducible to 6 months with Early Comfort

Who it is for: Anyone carrying responsibility for a wider family circle.

View the Family Plan | Get a quote

Prime Plan

Eligibility and price: Ages 18-60, from N$122/month

Enhanced funeral cover with the Premium Waiver included at no extra cost. If the main life passes away, the family stays covered for 24 months without paying premiums.

Key benefits:

• Cover options of N$25,000 or N$50,000
• Spouse covered for N$15,000
• Children covered for N$10,000 each
• Accidental death covered from day one, with no waiting period
• Premium Waiver included
• N$1,000 Instant Cash

Who it is for: Families who want stronger cover with the safety net included rather than sold separately.

View the Prime Plan | Get a quote

Senior Plan

Eligibility and price: Ages 65-84, from N$250/month

Individual funeral cover designed for older Namibians.

Key benefits:

• Cover from N$5,000 to N$30,000, depending on the age bracket
• Double cover on accidental death
• N$1,000 Instant Cash

Who it is for: Seniors who want their own dignified cover, or adult children arranging cover for a parent.

View the Senior Plan | Get a quote

Legacy Plan

Eligibility and price: Ages 65-84, from N$275/month

A bundled plan that combines a cash benefit, casket, tombstone, and, on the N$40,000 option, grocery support in one premium.

Key benefits:

• Cash benefit, casket, and tombstone
• Grocery support on the N$40,000 option
• N$1,000 Instant Cash
• Optional Child Supporter Benefit of 3 x N$4,000
• Pays 50% in months 7-12 and 100% from month 13

Who it is for: Seniors and families who want the whole funeral pre-arranged financially, rather than only a cash amount.

View the Legacy Plan | Get a quote

Category 2: Life Insurance

OneLife Plan

Eligibility and price: Employed individuals aged 18-60, from N$195/month

Bonlife's dedicated lump sum product - and the only Bonlife plan that pays a lump sum. It pays N$250,000 to N$1,000,000 directly to beneficiaries.

Key benefits:

• No medical tests
• N$25,000 funeral benefit included
• Income protection of N$5,000/month for 12 months during temporary disability
• Three-month premium freeze during hardship
• 15% cash back every 5 years with no claims

Payment method: Debit order or card only. No cash.

Who it is for: Employed breadwinners who want to secure their family's long-term future, rather than only cover a funeral.

View the OneLife Plan | Get a quote

Cash Plan

Eligibility and price: Ages 18-60, N$275 or N$425/month

Instead of one payout, the Cash Plan provides N$10,000 or N$15,000 cash plus a N$1,000 grocery voucher every month, for 6 consecutive months after a valid claim.

Key details:

• Structured monthly support rather than a single windfall
• N$1,000 grocery voucher each month for 6 months
• Nine-month waiting period (one month for death in a motor vehicle accident)
• Claims paid within 48 hours

Who it is for: Families who need steady, salary-like support while rebuilding after a loss.

View the Cash Plan | Get a quote

Category 3: Accident & Disability Cover

LifeGuard Plan

Eligibility and price: Ages 18-60; Individual N$175/month or Family N$349/month

Protection against the financial impact of accidents.

Key benefits:

• Up to N$100,000 for accidental death or permanent disablement
• Income protection of N$30,000/month during months 13-24 of a temporary disability
• N$1,000/day family care hospital benefit
• Family option covers a spouse for N$40,000
• Family option covers up to 6 children for N$10,000 each
• 15% No Claim Bonus every 5 years
• One-month waiting period, the shortest of any Bonlife plan

Who it is for: Anyone whose income depends on their body, including drivers, tradespeople, workers in physical jobs, and their families.

View the LifeGuard Plan | Get a quote

Category 4: Saving & Education Plans

Savings Plan

Eligibility and price: Ages 18-65, with five tiers from N$115/month

Two Pockets. One Plan. Total Financial Freedom.

Every premium is divided between two pockets:

• Long-Term Bucket: Invested with a target growth rate of 8% and locked for the selected 5, 10, or 15-year term
• Short-Term Pocket: Accessible once a year from the first policy anniversary, for emergencies

Key benefits:

• Built-in death and disablement benefits
• Optional Premium Waiver
• Voluntary top-ups allowed
• Missed payments never cancel the policy

Who it is for: Households that want discipline and access at the same time - long-term growth they cannot raid, plus an accessible emergency cushion.

View the Savings Plan | Get a quote

Study Plan

Eligibility and price: Children aged 0-18 (parent or guardian aged 18-65 pays), from N$115/month

Start Early. Study Further. Give Them Every Chance.

A parent or guardian saves monthly into an investment fund targeting 8% growth. The policy matures on the child's 21st birthday, with an early payout available if the child is accepted into a registered tertiary institution before then.

Key benefits:

• Built-in death and disablement benefits protect the education goal
• Optional Premium Waiver ensures the education fund target is still met if the policyholder dies or becomes disabled
• Early payout available for qualifying tertiary education
• Missed payments never cancel the policy

Who it is for: Every parent who has said, "I want better for my child," and wants a plan behind those words.

View the Study Plan | Get a quote

Every Bonlife funeral plan is built on a foundation of key benefits, with an optional menu of value-added benefits layered on top. Here is what each one actually means for a customer.

Key benefits on Bonlife funeral plans

No medical tests Quick and easy applications with no health examinations, making insurance accessible to everyone regardless of medical history.

Fast claims Approved claims are paid within 48 hours of receiving valid documents, providing financial support when it is needed most.

N$1,000 Instant Cash Paid to the nominated cellphone number (eWallet) on the same day the claim is approved, and withdrawable at any FNB ATM in Namibia. It helps start funeral arrangements without delay. Included on the Family, Prime, Senior and Legacy Plans.

Double cover on accidental death Death in a motor vehicle, train, aircraft or boat accident pays double the Cash Benefit Cover for the Main Life (and the spouse on the Family Plan) on the Family and Senior Plans. Double cover applies to the Cash Benefit Cover only, not to add-on benefits. Accidental death is covered from the day cover starts, with no waiting period.

Premium Waiver If the Main Life passes away, everyone else on the policy stays covered without paying premiums. Free and built in on the Prime Plan (for 24 months). Optional on the Family Plan at 10% of the monthly premium.

Full family cover Up to 14 people on one Family Plan policy, including spouse, children and extended family members.

Optional value-added benefits

These add-ons let a family shape their cover around what matters most to them. They pay on the death of the Main Life or the spouse (Main Life only on the Senior Plan). Pricing differs depending on whether the benefit applies to the Main Life only, or to the Main Life and Spouse.

Prices above are Family Plan prices. On the Senior Plan the Luxury Casket Benefit is N$55.50/month, and all add-ons cover the Main Life only.

Early Comfort

Early Comfort cuts the natural death waiting period from 12 months to 6 months, for a flat monthly price per policy: N$16 on the Family Plan, N$30 on the Prime Plan and N$50 on the Senior Plan.

• It covers everyone on the policy, including people added later.
• It can only be chosen when the policy is taken out - it cannot be added later.
• Once chosen, it cannot be cancelled.
• If the policy falls 3 or more months into arrears and the arrears are then paid, the 6-month waiting period starts again.

How the add-ons are paid

• Casket, tombstone and transport are paid only to an approved supplier, on a valid quote. If the quote is lower than the insured amount, the difference is not paid out. If it is higher, the family pays the difference. If the same person has a tombstone or casket benefit on more than one policy, one quote for the total is paid to one supplier.
• Vouchers and goods (grocery, refreshment, MeatFeast, veggie) are valid for 3 months after the claim is approved, and cannot be exchanged for cash.
• Onyama MeatFeast is collected from the issuing Bonlife office or NamPost, or couriered if the family is 100km or more away. It comes in two cut options.
• Veggie Benefit is collected from any Bonlife office.
• Uncollected MeatFeast and Veggie goods are forfeited 3 days after the delivery notice. Values and quantities are reviewed every year in line with supplier prices.
• Bonlife is not responsible for arrangements made without its prior written approval.

Retrenchment Benefit (Family and Prime Plans)

Pays N$3,000 if the premium payer loses their job through retrenchment or redundancy before age 65. Three months' premiums are deducted to keep the policy going, and the balance is paid to the premium payer.

• Proof signed off by the former employer is needed at claim stage.
• A second and third claim can be made, each after a further 12 months. After the third claim the benefit ends.
• Not covered: less than 12 months' continuous full-time employment; self-employment or working for family; seasonal work; the end of a fixed-term contract; resignation, retirement or voluntary retrenchment; dismissal for misconduct; absconding; job loss due to illness, injury or pregnancy; or job loss linked to strikes, unrest or political activity.

Which add-ons are available on which plan

The OneLife, Cash and LifeGuard Plans have no add-ons. The Savings and Study Plans offer an optional Premium Waiver only.

Adding extras online: on Bonlife 90, customers can add Early Comfort and the casket, grocery, MeatFeast, tombstone, transportation and veggie benefits. The Family Supporter, Refreshment and Retrenchment benefits and the Family Plan Premium Waiver are added through a branch, an agent or the paper application form.

This is the one approved way to talk about Bonlife benefits. Use the same names, wording and order on the website, social reels, motion pieces, blog articles, the WhatsApp bot, brochures and in branches.

There are two approved benefit sets:

• The general set - six core benefits, included at no extra cost. Use it whenever Bonlife benefits are shown as a whole.
• The funeral add-ons set - six optional extras built around how Namibian funerals work, led by the Onyama MeatFeast. Use it when selling or showcasing the funeral plans.

The rules

1. A benefit is "core" only if it is included at no extra cost. Anything a customer pays extra for is an optional extra - never call it core, included or free.
2. Every benefit has a fixed "applies to" line. Only "No medical tests" is true on all nine plans. Whenever more than one benefit is shown together, add the set's footnote.
3. Never say "every plan" or "whichever plan you choose" about the core benefits as a set.
4. Never mix the two sets in one module without making clear which benefits are included and which cost extra.

The three groups

Claims paid within 48 hours of verified documents is no longer presented as a core benefit. Mention it where customers are thinking about claiming - for example on the claims page or in claim conversations.

Set 1: The six core benefits (general set)

Always use this wording, in this order. The order follows the customer journey: easy to join, cheaper online, who is covered, when cover starts, the claim, and the reward for staying.

Supporting copy

• Section heading: Cover that shows up when it matters.
• Intro line: Six promises built into Bonlife cover.
• Call to action: Apply online now! - insure.bonlifenam.com
• Footnote or end card: Benefits vary by plan. T&Cs apply.

Wording notes

• "Double cover" may be used in body copy for the Family and Senior Plans only - the Prime Plan covers accidental death from day one but does not pay double. Double cover applies to the Cash Benefit Cover only, not to add-ons.
• N$1,000 Instant Cash is paid the same day a claim is approved, to the nominated cellphone number (eWallet).
• The 10% online discount applies every month, whichever payment method the customer chooses, when they apply on Bonlife 90 (insure.bonlifenam.com).
• Kampala starts at month 3. Rewards grow at month 13 (Gold) and month 37 (Black).

Set 2: The funeral add-ons set

The value-added add-ons are one of Bonlife's biggest selling points in our market. Always use this wording, in this order. The order follows the funeral itself: feeding the gathering first, then the send-off and the memorial.

Why these six: all six can be added online on Bonlife 90, so every piece can close with "Add yours online." All six are available on the Family, Prime and Senior Plans. The Refreshment, Family Supporter and Retrenchment benefits are added only through a branch, an agent or the paper form, so they are left out of this set.

Supporting copy

• Section heading: Add what matters most.
• Intro line: From the meat for the gathering to the tombstone, shape your cover around how your family says goodbye.
• Call to action: Add yours online. - insure.bonlifenam.com. "Apply online now!" may also be used next to the insure.bonlifenam.com button, as on the website benefits module.
• Footnote or end card: Optional extras at an additional monthly premium. Available on the Family, Prime and Senior Plans. T&Cs apply.

Wording notes

• Say "add" - never "included", "free" or "comes with". These are optional extras.
• Always use "about" for the MeatFeast and Veggie quantities. Values and quantities are reviewed every year in line with supplier prices.
• Always use "up to" for the Casket, Tombstone and Transportation Benefits. They are paid to an approved supplier on a valid quote, and the family pays any difference above the insured amount.
• Show prices only as "from" (the Main Life price). The Main Life & Spouse price is higher. On the Senior Plan, add-ons cover the Main Life only.
• The Tombstone Benefit (N$15,000) is not available on the Senior Plan.
• The Legacy Plan already includes a casket, a tombstone and (on the N$40,000 option) a grocery voucher - do not show this set as add-ons for the Legacy Plan.
• Vouchers and goods are valid for 3 months after the claim is approved and cannot be exchanged for cash.

This is the approved motion system for showing Bonlife benefits on the website and on social media. It brings the two benefit sets from the Benefit messaging standard to life, using the same names, wording and order.

Every piece comes in two versions: Set 1 - core benefits and Set 2 - funeral add-ons. Never mix the two sets in one piece, and always show the set's footnote.

The pieces

Copy in the pieces

• Use the icon labels, eyebrows and headings from the Benefit messaging standard, in the approved order.
• Call to action: an outlined coral button reading insure.bonlifenam.com, with "Apply online now!" in coral beside it. "Apply online now!" is hidden on mobile to keep the panel compact.
• Footnotes: Set 1 - Benefits vary by plan. T&Cs apply. Set 2 - Optional extras at an additional monthly premium. Available on the Family, Prime and Senior Plans. T&Cs apply.
• The section heading and intro line sit above the website module as normal page text, so they can be edited on the website.

Website embeds

• There is one embed for each set: the core benefits embed and the funeral add-ons embed.
• Paste the whole embed code into an HTML or custom-code block on the page.
• Each embed runs in its own frame, so the website's styles cannot change it, and it sets its own height. If a website builder strips out scripts, give the frame a fixed height of 470px.
• On screens 700px wide or less, the icons move into a row above the panel and the selected icon flows down into it.
• The embed code files and the handover note are kept in the Bonlife & Bonlife 90 Claude project.

Visual rules

• Colours: Bonlife navy, coral and the four category colours only. Lighter tints of the funeral green and savings blue may be used for glows on navy.
• Website module backgrounds (navy-led): six unique navy backgrounds, one per tab, in this order. Navy carries every panel, and a Bonlife colour arrives as light.
  1. Crimson from the top left, with a coral corner.
  2. Purple from the top left, with a blue corner.
  3. Green from the top left, with a purple corner.
  4. Blue from the top left, with a purple corner.
  5. Green rising from the bottom, with a blue corner.
  6. Purple from the top right, with a coral centre and a crimson corner.
• Icon colours: each benefit icon takes its own colour, for example MeatFeast in crimson, Groceries in purple, Veggies in green, Transport in blue, Casket in navy and Tombstone in coral. Unselected icons sit in a white Bonlife squircle with a thin grey border.
• Eyebrow: a coral pill with navy capitals.
• Shape: every icon block uses the Bonlife squircle.
• Icons: Lucide at Bonlife's 1px stroke. Casket and Tombstone are custom icons drawn on Lucide's grid, because Lucide has neither.
• Reel and sting backgrounds: grain gradients made only from Bonlife colours, never stock imagery. The stings and the light reel use a pale wash of blue, purple, crimson and coral.
• Photography: real Bonlife photography only. Slides without a suitable Bonlife photo use a grain gradient instead.

Motion

• Calm, never showy. Anything that stretches uses a soft spring, and fades use a gentle ease-out.
• White shapes join and part like liquid, with a thin neck between them.
• Visitors who switch on reduced motion still see every benefit, without the movement.

Still to come

• Bonlife photography for the Set 2 reel and for the Online discount and Accident cover slides.
• MP4 exports of the reels and stings.

At Bonlife, we believe loyalty deserves to be rewarded. Every policyholder on a Bonlife funeral plan or the Cash Plan is automatically enrolled in the Kampala Loyalty Programme, at no extra cost. No sign-ups, no forms, no extra fees - just stay covered, and watch your rewards grow.

Which plans qualify: Family, Prime, Senior, Legacy and Cash Plans. Kampala is not available on the OneLife, LifeGuard, Savings and Study Plans.

The longer you stay with Bonlife, the more you earn. From monthly lucky draw entries to airtime, claim increases, and maternity premium holidays, Kampala is designed to give back to the people who trust us with their families' protection.

How it works

There are three tiers, and your Kampala card tier is based on how long your Bonlife policy has been active. As the months add up, you automatically move to the next tier and unlock bigger benefits - no action needed from the customer.

Orange Card - from month 3 Your journey starts here. From your 3rd month as a Bonlife policyholder, you're an Orange Card member and automatically receive a monthly entry into the lucky draw, giving you the chance to win every single month.

• N$1,000 Lucky Draw Entry, every month

Gold Card - from month 13 Once your policy reaches 13 months, you move up to Gold and your benefits grow with you. Alongside a bigger lucky draw entry, you start receiving airtime, a boost to your claim value, a quarterly Bonanza draw entry, and a maternity premium holiday.

• N$2,000 Lucky Draw Entry, every month
• N$100 Airtime
• 5% Claim Increase
• 1 Bonanza Entry
• 1 Month Maternity Premium Holiday

Black Card - from month 37 At 37 months and beyond, you reach Black Card status, Bonlife's most exclusive loyalty tier: the biggest lucky draw entries, double the airtime, a 10% boost to claim value, double Bonanza entries, and an extended maternity premium holiday.

• N$3,000 Lucky Draw Entry, every month
• N$200 Airtime
• 10% Claim Increase
• 2 Bonanza Entries
• 3 Months Maternity Premium Holiday

Benefits explained

Lucky Draw Entries Each month, your Kampala card gives you automatic entries into Bonlife's lucky draw. The higher your tier, the higher the value of your entry - and the greater your chance to win.

Airtime Gold and Black Card members receive airtime as part of their claim benefit - a valuable addition to your payout when you need it most. Airtime is paid at claim stage, not as a standalone monthly benefit.

Claim Increase Your Gold or Black Card gives you a percentage boost on your claim value, meaning your cover works even harder for you and your family when it matters most.

Bonanza Entries Gold and Black Card members receive entries into the quarterly Bonlife Bonanza draw - a N$25,000 prize draw with a two-stage format, broadcast live on Facebook, Instagram, and TikTok. This is an additional chance to win, on top of the regular monthly lucky draw. Orange Card members are not yet eligible for Bonanza entries.

Maternity Premium Holiday Having a baby is a joyful, and expensive, time. Gold and Black Card members can take a break from their premiums for 1 or 3 months respectively during maternity, without losing their cover.

T&Cs apply to all Kampala Loyalty Programme benefits.

Full programme details: https://bonlifenam.com/kampala-loyalty-programme/

Bonlife is a proudly nationwide Namibian company. Head office is at 73 John Meinert Street, Windhoek, and we operate 20 branches across Namibia.

All branches online: https://bonlifenam.com/branches/ - every branch has its own page with a click-to-call button and directions.

Full branch directory

The online directory at https://bonlifenam.com/branches/ remains the source of truth, since details change. When a customer asks about a branch, share that branch's page link so they can call or get directions in one tap.

All branches offer the same product range; there are no branch-specific products. What differs is how customers use them. Branch customers tend to prefer face-to-face service, cash premium payments, and in-person claims support. Digital customers use WhatsApp, the website, and Bonlife 90. Both journeys lead to the same policies and the same claim promise: payment within 48 hours of verified documents. Operating hours are Monday to Friday 08:00-17:00 and Saturday 08:00-13:00 (branch dependent), closed Sundays and public holidays.

Digital footprint:

• Website (general company and product information): https://bonlifenam.com
• Branch finder: https://bonlifenam.com/branches/
• Bonlife 90 - Bonlife's online quoting and cover app, the first of its kind in Namibia. Get a quote and cover quick and easy online, with Bonnie the AI assistant guiding the way: https://insure.bonlifenam.com
  • Start a general quote with Bonnie: https://insure.bonlifenam.com/quote
  • Bonlife 90 is for new quotes and applications only. It is not a login area for managing an existing policy - existing policyholders should contact support.
• WhatsApp chatbot: +264 81 413 4557 (wa.me/264814134557)
• WhatsApp support: +264 81 855 0027
• Support Centre: +264 83 337 1730
• SMS call-back: SMS your name to 74448
• Email: info@bonlifenam.com

Social links:

• WhatsApp: https://wa.me/264818550027
• Facebook: https://www.facebook.com/BonlifeNAM/
• Instagram: https://instagram.com/bonlife.namibia
• TikTok: https://www.tiktok.com/@bonlife.namibia
• X: https://x.com/bonlife_namibia
• LinkedIn: https://www.linkedin.com/company/bonlife-namibia/

What every touchpoint should feel like

Whether someone walks into the Rundu branch, messages the WhatsApp bot at midnight, or gets a quote from Bonnie in 90 seconds, the experience should feel the same: warm, fast, and clear.

• Warm: We are often meeting people on the worst day of their lives. Every interaction starts with humanity before process.
• Fast: Answer quickly, quote quickly, pay claims quickly. Speed is respect.
• Clear: No jargon, no fine-print surprises. If a customer is confused, we failed, not them.

Service standards for the team

• Explain waiting periods, lapse rules, and exclusions upfront and plainly. Trust is built in the uncomfortable conversations, not avoided through them.
• Never speculate on claim outcomes or promise anything a policy does not guarantee.
• Escalate to a human whenever a customer is distressed, has a specific policy query, or asks something outside verified knowledge.
• Treat the claim moment as the most important moment in the entire relationship. Everything else is preparation for it.

How Bonlife wants to be remembered

"They paid within two days, and they treated us like family." That is the sentence we are working toward in every Namibian household. Not "the funeral cover people" - the company that protects Namibian families across every stage of life, and shows up when it matters most.

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The numbers:

• 9 plans, 4 categories, 20 branches, 1 country: Namibia.
• Bonlife 90 (insure.bonlifenam.com): Namibia's first online quoting and cover app.
• 10% online discount on Bonlife 90 for the Family, Prime, Senior, Legacy, OneLife, Cash and LifeGuard Plans, every month.
• Claims paid within 48 hours of verified documents.
• N$1,000 Instant Cash same-day on Family, Prime, Senior, and Legacy Plan claims.
• Lump sum cover up to N$1,000,000 (OneLife Plan only).
• Up to 14 lives on one Family Plan policy.
• Premiums from N$48/month (Family Plan). Savings and Study Plans from N$115/month.
• No medical tests on any plan. The OneLife Plan has a short health declaration.
• Policies lapse after 3 consecutive unpaid premiums; cover starts the 1st of the month after the first premium. Savings and Study Plans never lapse for missed payments.

The four categories (always name them consistently):

1. Funeral Cover: Family Plan, Prime Plan, Senior Plan, Legacy Plan
2. Life Insurance: OneLife Plan, Cash Plan
3. Accident & Disability Cover: LifeGuard Plan
4. Saving & Education Plans: Savings Plan, Study Plan

Language rules (non-negotiable):

• Funeral plans pay Cash Benefit Cover, never a "lump sum." Lump sum language belongs exclusively to the OneLife Plan.
• The Cash Plan pays monthly, for 6 months. Never describe it as a single payout.
• "Insurance" may be used freely across all categories.
• The plan name is OneLife Plan - one word.
• SMS CTA format: "SMS your name to 74448."
• Voice: short, punchy, benefit-led, warm, jargon-free. Front-load the key information - especially on WhatsApp.
• Hyphens only. No em dashes, ever.

How we describe cover (use this wording):

• Family Plan: For ages 18-65. Cover options of N$5,000 / N$10,000 / N$25,000. Get up to N$25,000 Cash Benefit Cover.
• Prime Plan: For ages 18-60. Cover options of N$25,000 / N$50,000. Get up to N$50,000 Cash Benefit Cover.
• Senior Plan: For ages 65-84. Cover options of N$5,000 / N$10,000 / N$15,000 / N$30,000, depending on your age. Get up to N$30,000 Cash Benefit Cover.
• Legacy Plan: For ages 65-84. Cover options of N$20,000 / N$40,000, depending on your age. Get up to N$40,000 Cash Benefit Cover.
• LifeGuard Plan: For ages 18-60. Get up to N$100,000 Cash Benefit Cover for accidental death, and up to N$100,000 for permanent disablement.
• OneLife Plan: For ages 18-60. Cover options of N$250,000 / N$500,000 / N$750,000 / N$1,000,000. Get up to N$1,000,000 Cash Benefit Cover.
• Cash Plan: For ages 18-60. N$10,000 or N$15,000 cash per month, for 6 months.

Taglines in active use:

• Savings Plan: "Two Pockets. One Plan. Total Financial Freedom."
• Study Plan: "Start Early. Study Further. Give Them Every Chance."

Contact block (use consistently):

Bonlife Assurance Namibia | 73 John Meinert Street, Windhoek | PO Box 1189, Windhoek Support: +264 83 337 1730 | WhatsApp chatbot: +264 81 413 4557 | WhatsApp support: +264 81 855 0027 | SMS your name to 74448 info@bonlifenam.com | bonlifenam.com | insure.bonlifenam.com

What Bonlife 90 is

Bonlife 90 is Bonlife Assurance Namibia's online place to explore plans, get a personal quote, and apply. It is Namibia's first online quoting and cover app.

Bonnie, our guided AI assistant, helps visitors find a plan that suits them and shows a price based on their details. From there, customers can complete an application and choose an available way to pay.

Important: Bonlife 90 is for new quotes and applications. It is not a login area for managing an existing policy, and claims cannot be submitted there. Customers with questions about an existing policy should contact Bonlife support.

The 10% online discount

Customers who apply on Bonlife 90 pay 10% less on their monthly premium, every month, whichever payment method they choose. It applies to the Family, Prime, Senior, Legacy, OneLife, Cash and LifeGuard Plans. It does not apply to the Savings and Study Plans.

Which website to share

When someone asks to get a quote or apply online, always send them to insure.bonlifenam.com. The main website (bonlifenam.com) is great for company and product information, but it is not the direct quote link.

Direct quote links for each plan

Each link opens the Bonlife 90 quote journey for that plan:

Not sure which plan fits? Share the general quote link (https://insure.bonlifenam.com/quote) and let Bonnie guide them.

How it works

1. Choose. The visitor picks a plan, or tells Bonnie what they need.
2. Quote. Bonnie asks a few quick questions and shows a personalised quote. The visitor can review the cover and price before deciding.
3. Apply and pay. If they want to go ahead, they complete the online application and choose a payment method available for that plan: debit order, card or cash. The OneLife Plan is paid by debit order or card only.

Someone can take out and pay for cover for another person online - for example, an adult child arranging a Senior Plan for a parent in another town - without the other person needing to sign.

Be clear about what a quote means

A quote is not a promise that cover has started. Acceptance, payment, waiting periods, and the plan's terms still apply. Prices and options depend on the person's details and the plan they choose. Cover starts on the 1st of the month after the first premium.

Helpful wording for customer conversations

"You can get a Bonlife quote online through Bonlife 90 - and pay 10% less every month when you apply online. Start with Bonnie at https://insure.bonlifenam.com/quote, or use the direct link for the plan you're interested in. If you need help with an existing policy, please contact Bonlife support."

Bonlife support (for existing policies)

• Phone: +264 83 337 1730
• WhatsApp support: +264 81 855 0027
• WhatsApp chatbot: +264 81 413 4557
• Email: info@bonlifenam.com

Bonlife offers nine plans across four categories. Each plan page in this section follows the same layout, so you always know where to find the answer:

1. In one line - the approved way to describe the plan (the tagline on the Savings and Study Plans)
2. At a glance - the key facts in one table
3. What the plan does and who it is for
4. Who can be covered - members, ages and cover amounts
5. Monthly premiums - the full price table
6. What's included - benefits that come with the plan at no extra cost
7. Optional extras - benefits you can add for an extra monthly premium
8. Waiting periods - when you can claim
9. Claims - what gets paid, how and when (Payouts and withdrawals on the Savings and Study Plans)
10. Important rules - the things every customer must know upfront
11. How to get this plan - quote, apply and pay

How to claim, how to pay and what is excluded are covered in the Claims, Payments and policy management, and Exclusions and important terms sections that follow.

All nine plans at a glance

Rules that apply to every plan

• Ages are worked out on your next birthday. Someone who is 64 today and turns 65 next is treated as 65.
• No medical tests. At most, a short health declaration (OneLife Plan).
• Cover starts on the 1st of the month after your first premium is received.
• Premiums are paid monthly in advance, on or before the 1st of each month. 30 days are allowed to pay each premium. Paying in advance does not shorten a waiting period.
• How many policies: up to two Family Plans per Main Life, and one policy per Main Life on each other risk plan. Different plans can be combined - for example, a Family Plan and a Cash Plan.
• Missed payments: on the Funeral Cover, Life Insurance and Accident & Disability plans, a policy lapses after 3 unpaid premiums, and no claim is considered once 3 premiums are unpaid. A lapsed policy can be reinstated, but the waiting period rules apply again. The Savings and Study Plans never lapse for missed payments.
• Claims are paid within 48 hours of Bonlife receiving and verifying all required documents. Death claims must be submitted within 6 months of the date of death.
• Kampala Loyalty Programme: policyholders on the Family, Prime, Senior, Legacy and Cash Plans are enrolled automatically, at no extra cost, from month 3. Kampala is not available on the OneLife, LifeGuard, Savings and Study Plans.
• 10% online discount: apply on Bonlife 90 (insure.bonlifenam.com) and pay 10% less on your monthly premium, every month. Applies to the Family, Prime, Senior, Legacy, OneLife, Cash and LifeGuard Plans. It does not apply to the Savings and Study Plans.
• How to pay: debit order, cash, EFT or card (card on Bonlife 90). The OneLife Plan is debit order or card only. Cash can be paid at any Bonlife branch, NamPost, MobiPay, PayToday, Kazang, USave, Checkers, Shoprite, Model, Choppies, Rani Group, Airtime City and Woermann & Brock. Debit order dates: the 1st, 7th, 15th, 20th, 25th, 27th or last day of the month.
• Documents to apply: a valid Namibian ID, Namibian passport or Namibian voter's card. The OneLife Plan also needs bank confirmation and a payslip with a company stamp.
• No loans. Bonlife does not lend against any policy, including the Savings and Study Plans.
• Honest answers matter. False information on an application makes the policy void, and premiums are not refunded.
• All plans are underwritten by Bonlife Assurance Namibia Limited (Reg. No. 96/0391).

The claim promise

Valid claims are paid within 48 hours of Bonlife receiving and verifying all required documents. On the Family, Prime, Senior and Legacy Plans, N$1,000 Instant Cash is paid on the same day the claim is approved - sent to the nominated cellphone number and withdrawable at any FNB ATM in Namibia.

How to submit a claim

1. Visit your nearest Bonlife branch (see the branch directory). For help first, call the Support Centre on +264 83 337 1730, WhatsApp +264 81 855 0027 or email info@bonlifenam.com.
2. Hand in the documents listed below. Only original certified copies are accepted.
3. The claimant must prove insurable interest in the person who passed away, to Bonlife's satisfaction.
4. Bonlife assesses the claim. A claim is valid once Bonlife is satisfied with the documents.
5. Valid claims are paid. For tombstone, casket or transport benefits, a valid quote is needed so payment can be made to a licensed funeral undertaker or approved supplier.

Claims cannot be submitted on Bonlife 90. Bonlife 90 is for new quotes and applications only.

Documents needed

• A fully completed claim form
• The death certificate
• A medical certificate
• A letter of executorship from the magistrate, or the appointment of the person named in the will
• ID of the person who passed away and of the person claiming
• A birth certificate where minors are involved
• A marriage certificate
• A sworn affidavit from the nearest police station if an ID, birth certificate or proof of relationship is not available
• Proof of full-time study for children over 21
• Retrenchment Benefit: the termination of employment contract, signed off by the former employer
• OneLife temporary disablement: a medical specialist report
• LifeGuard: a certified police report for any claim linked to a criminal incident
• Any other document Bonlife needs to confirm the claim

Time limits

If a death claim is submitted after 6 months, the premium payer receives a refund of the premiums paid from the date of death to the last payment received, instead of the benefit.

How claims are paid

• Cash benefits are paid by eWallet or EFT, to the policyholder, beneficiary or legal representative.
• If no beneficiary was nominated, or the beneficiary has died, the benefit goes to the spouse, a close relative or the estate.
• Casket, tombstone and transport benefits are paid to the chosen approved supplier.
• Grocery and refreshment benefits are supermarket vouchers, valid for 3 months.
• Cash Plan claims are paid monthly for 6 months, not once.
• OneLife Plan lump sums are split equally between the nominated beneficiaries.
• No benefit earns interest, and any tax on a benefit is the responsibility of the Main Life or beneficiary.
• Kampala Gold and Black Card members receive a 5% or 10% claim increase, plus airtime.

When a claim can be declined

• The death happened during the waiting period (see each plan's page in the Plans section).
• The cause is excluded (see Exclusions and important terms).
• 3 premiums are unpaid - no claim is considered then, whatever the policy's status shows.
• Proof of insurable interest or relationship cannot be provided.
• Information on the application was false or incomplete, or the claim is fraudulent.
• The claim is not submitted within the time limit.

Bonlife may ask for more information, a medical examination or a post-mortem. Never speculate on the outcome of a specific claim. Customers asking about a claim in progress should be referred to the Support Centre.

Registered funeral service providers

Bonlife works with funeral service providers across Namibia, including:

How to pay

The OneLife Plan is paid by debit order or card only. Cash is not accepted.

Where to pay cash

• Any Bonlife branch
• NamPost
• MobiPay
• PayToday
• Kazang
• USave
• Checkers
• Shoprite
• Model
• Choppies
• Rani Group
• Airtime City
• Woermann & Brock

Always quote your policy number when you pay.

The 10% online discount

Apply on Bonlife 90 (insure.bonlifenam.com) and pay 10% less on your monthly premium, every month, whatever payment method you choose. Applies to the Family, Prime, Senior, Legacy, OneLife, Cash and LifeGuard Plans. It does not apply to the Savings and Study Plans.

When premiums are due

All premiums are paid monthly in advance, on or before the 1st of each month. 30 days are allowed to pay each premium. Cover starts on the 1st of the month after the first premium is received. Bonlife may ask for proof of payment at any time.

Paying in advance

You can pay premiums in advance, but it does not shorten the waiting period.

Missed payments, lapses and reinstatement

• Funeral Cover, Life Insurance and Accident & Disability plans: the policy lapses after 3 unpaid premiums, and no claim is considered once 3 premiums are unpaid. A lapsed policy gives no cover.
• Reinstating: funeral and Cash Plan policies can be reinstated, and the existing waiting period is enforced. LifeGuard and OneLife policies are underwritten again (see each plan's page).
• Savings and Study Plans: missed payments never cancel the policy. The balance stays invested, the monthly admin fee is taken from the savings for any month without a premium, and payments can restart at any time. An optional Premium Waiver lapses once the policy is 3 or more months in arrears.

Changes to premiums and terms

Bonlife does not increase premiums automatically every year. Bonlife may change premiums, benefits or terms, with at least 30 days' notice to the contact details on the application. For the OneLife, LifeGuard, Savings and Study Plans, notice may be sent by SMS or in writing.

Cancelling a policy

• Funeral plans and the Cash Plan: a new policy can be cancelled within the first 30 days. After that, cancellation takes effect 30 days after Bonlife receives the request.
• OneLife and LifeGuard Plans: cancel at any time with one calendar month's written notice. The policy ends on the next premium date.
• Savings and Study Plans: can be surrendered at any time. Before the end of the term, a 30% penalty applies to the investment balance.
• Premiums are not refunded on lapse, cancellation or termination.
• Bonlife may cancel a policy immediately for a fraudulent claim, with no refund of premiums.

Changing your details

Contact Bonlife on +264 83 337 1730, WhatsApp +264 81 855 0027 or info@bonlifenam.com. Changes are only valid in writing and can take up to 30 working days to process. Existing policies cannot be managed on Bonlife 90.

How many policies you can hold

• Family Plan: up to two per Main Life.
• Prime, Senior, Legacy, OneLife, Cash and LifeGuard Plans: one per Main Life.
• Savings and Study Plans are not limited in this way.
• Different plans can be combined - for example, a Family Plan and a Cash Plan.

Loans and surrender value

• Bonlife does not lend against any policy, including the Savings and Study Plans.
• Funeral, Cash, OneLife and LifeGuard policies have no surrender value. Only the Savings and Study Plans build an investment balance.
• Policies cannot be assigned to someone else. The one exception: a OneLife Plan can be ceded to a lender as security, with Bonlife's written approval.

What happens when the Main Life passes away

• Prime Plan: remaining members stay covered for 24 months with no premiums (free Premium Waiver).
• Family Plan with the optional Premium Waiver: cover for everyone else becomes paid-up - no further premiums.
• Family Plan without the Premium Waiver: the spouse can continue the policy for the remaining members as the new policyholder, by applying in writing with the death claim.
• Other plans: the policy ends when the Main Life passes away (the Senior, Legacy, Cash and OneLife Plans cover only the Main Life).

Exclusions on all plans

Bonlife does not pay any claim that arises directly or indirectly from:

1. Suicide within 24 months of the commencement date. On the LifeGuard and OneLife Plans, suicide, attempted suicide and intentional self-inflicted injury are excluded at any time.
2. War (declared or not), civil war, invasion, hostile acts by a foreign country, rebellion, revolution, a military or civil coup, or military or usurped power.
3. Riot, civil commotion, labour disturbances, strikes or lock-outs.
4. Chemical, biological, nuclear or radioactive substances.
5. A motor vehicle death caused by the deceased's own negligence, or while driving under the influence of alcohol or narcotic drugs.
6. Any claim based on fraud or false information.

Extra exclusions on the LifeGuard and OneLife Plans

1. Terrorist acts, bomb threats, or military force used to prevent terrorism.
2. Service, duty or training with the military, police, a militia, cash-in-transit or armed response units.
3. Injury from a criminal or illegal act by the insured, and any claim arising from a criminal incident.
4. Working as aircraft crew. Travelling as a passenger on a licensed commercial aircraft is covered.
5. Being under the influence of alcohol or drugs, unless prescribed and taken as directed by a medical practitioner other than the insured. Driving over the legal alcohol limit is excluded, and the claimant must prove alcohol or drugs did not cause the accident.
6. Treatment for alcoholism, substance abuse or addiction.
7. Pre-existing conditions, physical defects or congenital abnormalities that existed before the effective date. On the OneLife Plan, pre-existing conditions are excluded for the first 24 months.
8. Childbirth, abortion, miscarriage or pregnancy, unless caused by injury.
9. Diabetes or epilepsy.
10. Spinal injuries more than once in any 12-month period.
11. Professional sport. Someone employed full time elsewhere who earns less than 5% of their income from sport is not a professional.
12. Underground work or work involving explosives.
13. LifeGuard only: mountaineering with ropes or guides, and scuba diving unless licensed or with a qualified instructor.
14. OneLife only: cosmetic procedures, obesity treatment, impotency treatment or fertility treatment.

All exclusions apply to anyone added to a policy from the date they are accepted.

OneLife Plan - 24-month condition list

Death or disablement from any of these conditions within the first 24 months is not covered: heart disease or heart attack; cancer or tumours; liver disease; high blood pressure; diabetes type 1 or 2; lung or respiratory disease; stroke or TIA; kidney disease or dialysis; neurological disorders such as epilepsy, multiple sclerosis or Parkinson's disease.

LifeGuard Plan - accidents only

The LifeGuard Plan pays only for accidents. Death or disability from illness or natural causes is not covered.

Accidental death on the funeral plans

• On the Family, Prime and Senior Plans, accidental death is covered from the day cover starts, with no waiting period. The death must involve a motor vehicle, train, aircraft or boat.
• The Family and Senior Plans pay double the Cash Benefit Cover for the Main Life (and the spouse on the Family Plan). Add-on benefits are not doubled.
• A motor vehicle death is not covered if the deceased caused it through their own negligence, or was driving under the influence of alcohol or a narcotic drug.

Key definitions

• Accident: an unexpected, unforeseen and specific event at an identifiable time and place that causes bodily injury.
• Commencement date: the 1st of the month after Bonlife receives the first premium.
• Pre-existing condition: any illness, injury or condition that showed symptoms, needed medication, or was treated or recommended for treatment before cover started.
• Spouse: one person married to the Main Life by civil, customary, tribal or common law, with proof of marriage. On the LifeGuard Plan, this includes a permanent partner who has lived with the Main Life for more than 12 consecutive months.
• Children: biological, step, foster or adopted children of the Main Life, with proof of the relationship.
• Extended family (Family Plan only): parents and parents-in-law, or dependent relatives (including children not covered as children) who live permanently with the Main Life, aged 0-75.
• Free cover limit: the maximum amount payable for any one person on a product, no matter how many policies they have.
• Beneficiary: the person nominated to receive benefits. If none is nominated, or the beneficiary has died, benefits go to the spouse, a close relative or the estate.

Insurable interest

Bonlife may ask for proof of any relationship, marriage, age or studentship, and proof that the claimant has an insurable interest in the person who passed away. A claim can be declined if this cannot be shown.

Over-insurance

The policy owner is responsible for choosing cover that fits the expense it needs to settle, and for making sure the free cover limit is not exceeded. Every applicant accepts the over-insurance terms when applying.

Honest applications

Giving false information on an application makes the policy void, and premiums are not refunded. A policy may also be voided for misrepresentation or failing to disclose any material fact. On the OneLife Plan, a claim may be reduced or declined if health answers were not complete and honest.

A quote is not cover

A Bonlife 90 quote is not a policy. Acceptance, payment, waiting periods and the plan terms still apply.

The policy documents

The policy is made up of the policy document, the application form, the policy schedule and any endorsements. If marketing material and the policy differ, the policy governs. Namibian law applies. Bonlife's address for legal notices is 73 John Meinert Street, Windhoek.

Complaints

Contact the Support Centre on +264 83 337 1730 or info@bonlifenam.com, or visit your nearest Bonlife branch. For policies bought on Bonlife 90, complaints are acknowledged within 5 business days and answered within 30 days, as set out in the Bonlife 90 terms of use.