is a new concept for a changing life. The fluctuation in income, the growing family, and the economic and social ups and downs, always call for a change in your LIFE programs to suit your changing conditions. UNIVERSAL LIFE will solve these problems.

• UNIVERSAL LIFE will save you from additional expenses you ought to pay.
   
• UNIVERSAL LIFE is the only program you need for whole life insurance.
   
• UNIVERSAL LIFE grows with you.

Flexibility of payment:

You can design the amount of payments that suits the protection you need, and increase or decrease them at your own discretion.
 

Cash withdrawals

You can withdraw from your accumulating account in the policy at any time after the first year without interest.  

Loans:

Instead of withdrawing from your policy account to cover an urgent financial need, you can take a loan from the company within the limits of your savings in the policy

Profits:

UNIVERSAL LIFE offers you high investment returns

Income Protection:

You can choose the amount of protection you need without buying a new insurance contract.

Pension:

UNIVERSAL LIFE provides you with a pension income for your retirement.

Temporary Unemployment:

Whenever your income stops due to temporary unemployment UNIVERSAL LIFE provides you with income without stopping your insurance protection

TERM LIFE INSURANCE:

Term Life insurance provides you with protection at a very low cost. You can choose the program that suits your protection needs.

Level Term Life:

The amount of protection you have chosen will not change during the whole period of the insurance contract. You can guarantee protection of your family in case of premature death and can choose the period of protection you want (5,10,15,20,25,years).

Decreasing Term Insurance:

provides you with security and peace of mind when you get a loan to buy a car or a house. Jofico will pay the balance of the loan in case of death without subjecting your family to any debts in order to pay for the house you have bought for their comfort

Executive Term Insurance:

protects your capital in any project you assume.
In case of death JOFICO will settle all your insured liabilities and the project remains intact and yields the income you have worked hard to secure for your family.
 

DISABILITY INSURANCE COVER:

Disability is a threat to everybody because the disabled person needs an income during his disability and in particular if he is permanently disabled. If this person is supporting a family, he needs an income not only to pay his medical bills but also an income to pay the expenses of his family. You can add the permanent and Total Disability cover to all life insurances and at an additional low cost in order to secure the living standard of your family.

JOFICO’S health programs cover:

• Cost of room and board in hospital
• Hospital services
• Surgical and anesthetic charge
• Outpatient treatment/consultation fees, diagnostic expenses and cost of medicine.
• Physiotherapy

JOFICO provides you also with income during your stay in hospital.
This program gives additional daily or weekly income to cover your medical expenses during your stay in any hospital you choose. This income will be paid to you over and above the cover you have chosen of JOFICO’S health programs.
In addition to these health programs which were designed for your individual personal health care. JOFICO provides group health programs for employees of companies, organizations and institutions along the same lines.
 

PERSONAL ACCIDENT INSURANCE

Accidents are prone to happen and subject societies to several risks such as financial crisis to the family of the injured person who dies in an accident , or loss of a hand, foot or eye or even paralysis of the injured person who will lose his income and becomes unable to support himself or his family, and has to pay his medical bills.
The Jordan French Insurance Company/JOFICO designed several personal accident programs to protect the injured person and his family through providing the following covers:  

• Death
• Partial and Total Permanent Disability
• Medical Expenses
• Weekly Indemnity

JOFICO will compensate the injured person as follows:

Death : In case the injured person dies as a result of an accident JOFICO will pay to his beneficiaries the amount of protection he has chosen in case of death, (20000)or (50000)or (100000) dinars or more.

Partial and Total Permanent Disability:

In case the injured person loses a hand, a foot, an eye or any other organ due to accident, JOFICO will compensate him according to a scale of disabilities attached to his personal accident policy such as 20%, 50%, etc…of the sum assured he has chosen. However, in case the accident resulted in total and permanent disability the whole sum assured will be paid.

Medical Expenses:

In case the injured person incurs medical expenses for treatment JOFICO will cover these expenses up to the ceiling mentioned in the personal accident policy such as (500) or (1000)or (5000) dinars or even more.

Weekly indemnity:

In case the injured person is prevented from working due to an accident JOFICO will pay the amount of indemnity mentioned in the personal accident policy for the whole period of the temporary disability.