Our Life Insurance offers a wide range of traditional and non- traditional innovative life products operating through our companies in Malawi NICO Life Insurance Limited and our investment in Mozambique Sanlam Seguros (Mozambique). The product range covers a whole spectrum of individual and group business. The Individual life products include: Endowment Assurance with profits; Cash Generator Endowment Assurance with profits; Savings Protection Policy with profits; Child Saver; Lien Endowment Assurance with profits; and Unit Linked Endowment with profits. The Group Business products include: Deposit Administration; Managed Funds; Group Life Assurance; Group Mortgage; Group Credit; Group Funeral Policies and Annuities. The relationship with Sanlam further promotes our business excellence.