What is Trustco Life Plus Product?

Trustco Life Plus is a life insurance policy underwritten by Trustco Life Ltd.

Why choose Trustco Life Plus?

Death is the only certainty in life. This harsh reality that we all have to face reminds us of how important it is to make sure our dependents (loved ones) are looked after. The good news though, is that taking the time now to plan for the future and investing in a life insurance policy with Trustco Life Plus will help to ensure that your dependents have adequate funds when you are no longer around to care for them.

With Trustco Life Plus, your premiums are dependent on your lifestyle and you have the choice with Trustco Life Plus to increase your life cover by simple, healthy living while your premium stays the same.

 Trustco Life Plus offers additional benefits

Trustco Life Plus offers you the choice to add occupational disability and dread disease.

Occupational disability provides cover to its members should they be unable to perform the duties of any occupation. In the event that a Trustco Life Plus policy holder is permanently occupationally disabled, his/her Trustco Life Plus policy will pay out the full benefit subject to terms and conditions.

As an added benefit to your already comprehensive cover Trustco Life Plus also includes a dread disease cover. A dread disease is a disease that has a significant impact on lifestyle and longevity, incurs high costs and/or causes significant resided morbidity.

Serious illnesses covered under Trustco Life Plus:

  • Heart attack
  • Stroke
  • Cancer
  • Kidney failure
  • Organ transplant
  • Paraplegia
  • Total blindness
  • Motor Neuron Disease

How is your life cover, dread disease and occupational disability dependent on your lifestyle?

The healthier you live, the lower your premium. Trustco Life Plus calculates your premium according to various lifestyle indicators. Your health depends a lot on your lifestyle. Maintaining good physical and mental health is crucial to your longevity. The more time spent on hygiene, physical fitness, and diet regulation, the healthier your lifestyle will be. A lifestyle indicator is used to measure your lifestyle.

What Lifestyle Indicators will be applicable to you for a Trustco Life Plus?

  • Age
  • Qualification
  • Cholesterol Level
  • Body Mass Index
  • Blood Pressure
  • Liver Function
  • Smoker/Non-smoker


One of the main Lifestyle Indicators is age. The older you are, the more at risk you are and the higher your premium payments will be. Your age also has a direct effect on whether or not you are able to obtain life insurance. To qualify for a Trustco Life Plus policy, the member must be between the ages of 15 and 65 at inception.


We have found that people with higher education levels tend to claim less. The following levels of qualification will be considered when working out your premium and cover amount:

  • 4-year Degree
  • 3-year Degree
  • Matric/Grade 12
  • Grade 10/Standard 8

Body Mass Index (BMI)

The Body Mass Index (BMI) is a measure of human body fat percentage based on an individual’s weight and height. BMI is defined as the individual’s body mass divided by the square of their height.

BMI provides a simple numeric measure of a person’s thickness or thinness. A BMI of 18.5 to 25 may indicate optimal weight. A BMI lower than 18.5 suggests the person is underweight, while a measure above 25 may indicate the person is overweight. A BMI above 30 suggests the person is obese (over 40 means morbidly obese).


Cholesterol is a substance that is produced by the liver, it is also found in certain foods. Although cholesterol is needed by the body to produce some vitamins and hormones, a high level of it is unhealthy as it can lead to serious problems like heart disease.

Blood Pressure

Blood pressure is pressure applied on the walls of blood vessels by circulating blood. The pressure is produced by the pumping action of the heart. Each heartbeat produces either systolic (maximum) or diastolic (minimum) pressure.

Liver function

The function of the liver is to filter and digest nutrients in the blood as it circulates through the body. The liver is said to fail if carrying out of these functions is obstructed.  Liver Function Test measures how well the liver is functioning. The test measures the extent of damage if it is not functioning, or the level at which it is operating for preventative measures.


HIV/AIDS in Namibia is a critical public health issue. According to the World Health Organisation, Namibia is ranked among the top 10 countries with the highest HIV/AIDS prevalence levels in the world. The prevalence rate within the general population is estimated to have been at 13.5% in 2010 by UNDP Namibia, this  rate was predicted to increase.

Our non-discriminatory policy allows individuals living with HIV to receive cover. Benefits in respect of HIV/AIDS related deaths are scaled over a period of thirty-six (36) months. Any HIV/AIDS related deaths occurring after 36 months are paid out in full.


Most people think that smoking is not bad for them as long as they take the required portions of healthy food and exercise regularly. Think again. For as long as you continue smoking, you are still at risk of lung cancer and many other illnesses caused by smoking.


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