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.

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

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

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

UNIVERSAL LIFE offers you high investment returns

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

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

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

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

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).

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

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 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.