A life insurance product that is designed for people who are keen on return on Investment. On survival of the policyholder to the end of the policy term, the policyholder receives 100% of the sum assured. This amount is determined at inception and is guaranteed throughout the Policy term. On death of the policyholder during the policy term, a death benefit of 20% of the sum assured is payable to the policyholder’s named beneficiary(ies) and the full sum assured is still payable on the scheduled maturity date of the policy.