The Insurance compensates an insured person for death, disability and temporary
disability arising from an accidental injury sustained. The level of compensation is
determinable by you subject to your company policy, affordability and welfare
interest in the employees.

However, in order to encourage a good employer/employee relationship, we suggest
that the benefits be comparable with the stipulations of the Workmen's
Compensation Decree 1987. The capital benefits (death and permanent disability)
can be arranged on the basis of “5 x annual earnings” each. An amount of N100,
000.00 per employee is also proposed under the medical benefit.

Premium Rate: 0.85% - 1.85%