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At UNILIFE, we know that the protection and financial security of your loved ones are your prime concerns.

Ask yourself: what would be the practical and financial consequences if you were to die suddenly?
What would happen if, through accident or illness, you were unable to continue working?

Life Assurance and Accident Insurance products act as a financial safety net for life's unforeseen or tragic events. No one thinks or expects that they will die prematurely, or that the worst will happen to them. However, as life is unpredictable, it's prudent to be prepared for all eventualities.  No one wants to leave their loved ones in a tough position if difficulties do occur.

That's where Unilife can help. By paying a periodic premium, you are effectively contributing to a pool which can be used to pay a lump sum to your survivors in the event of your sudden death or disability.

We're aware that protecting your dependants is important to you, but we also want it to be something that you can put in place and then forget about, leaving it safely in our hands.

That's why we have created a series of personal insurance solutions, designed specifically for you - and your family's - peace of mind.


SES Assurance is life insurance which provides coverage at a fixed rate of payments for a limited period of time, known as 'the relevant term'. If the Life Insured should die during this term, then the death benefit will be paid to the beneficiary.
After this period expires, please note that coverage at the previous rate of premiums is no longer guaranteed. The client must either forgo coverage, or potentially obtain further coverage with different payments or conditions.

SES Life

Unilife offers a SES Life plan. Quite simply, this is a life insurance policy that remains in force for the insured's whole life. Alternatively, the sum insured can be paid to the policyholder at the age of 100 if requested. Please note that this plan requires that premiums are paid into the policy every year.

We believe that our products are competitively priced and among the best on the market.

Furthermore, all of our insurances enjoy the financial security of a minimum of an 'A' rating from independent international credit rating agencies, or the financial strength of recognised organisations.

When you choose Unilife, it's in the knowledge that you are selecting a company with global strength. You can read more about our partner relationships on our 'Securities' page.


You can read more about our individual insurance products in our Individual Life Brochure.

Individual Life Brochure (Africa)

For more detailed information on both our Term Assurance and T100 products, please visit our 'Downloads' page. Then go to 'Product Information' where you will find factsheets providing at-a-glance data, Policy Guides and Terms and Conditions for each product.


24/7 Call center 737
+260 977 770 302

We provide flexible, innovative and accessible insurance products to clients the world over.

Policy Issuer

Guardrisk Life International Limited
Ground Floor, Tower A, 1 CyberCity Ebene, Mauritius
Telephone+ 230 454 0030
Fax + 230 468 1733

Policy Management

Unilife Limited
18-20 Le Pollet
St Peter Port,
Channel Islands
Telephone+44 203 196 7346

Premium Management

Unilifeglobal Limited
Bourbon Court, Nightingales Corner,
Little Chalfont, Buckinghamshire,
HP7 9QS,
United Kingdom

Policy Administration and Global Broker Support

410 Athol Avenue (off Jan Smuts)
Burnside Island office park, Building 6, 1st Floor,
South Africa.

Group Life and Disability Underwriting Office

Holland House
4 Bury Street,
London EC3A 5AW
United Kingdom
Telephone:+44 2074 692570


Administration Office
Office 2 Sandy's creations
Kafue Road, Lusaka
tel: +260 977 770 302
+260 962 740 300
Email us