This is a protection policy that pays compensation in the event of injuries, disability or death caused solely by external and visible events to the policyholder. The policy is available in 3 variants namely: FlexiGuard Silver, FlexiGuard Gold and FlexiGuard Platinum.

This plan provides cover for the following eventualities:

  • Any form of accident
  • Strike, Riot and Civil Commotion
  • Dog bite, Wild Animal Attack
  • Motorcycling (Whilst as Rider or Passenger)

Additional Benefits

  • 24/7 Coverage; Worldwide coverage
  • Worldwide coverage
  • Disappearance (6months)

Premium Frequency

  • Premium can be paid annually.
  • Injuries sustained/accidents occurring whilst the Insured is under the influence of drugs/alcohol
  • Wilful misconduct, intentional self-injury, suicide, insanity, during service in the armed forces
  • War, invasion, terrorism, nuclear exposure or explosion – including the resulting fire, radiation, or contamination
  • Whilst engaging in professional sporting activities or dangerous hobbies (ie mountain climbing, motor racing etc)
  • Arising or resulting from the Insured committing any breach of law with criminal intent
  • Child birth and Pregnancy related events.

Premium can be paid through the following channels:

  • Pay into our bank account (Please include your name and policy number on all payments)
  • Do not pay cash to/through our agents or staff.

Our account details are as follows:

  • FBN General Insurance-Retail Collection Account

First Bank Account Number: 2032934500

  • On the receipt of the relevant supporting documents – Completed claim form, Photographs of the affected person(s), Doctor’s/Medical Report, Evidences of medical bills incurred and our offer will be communicated within 3 days of the receipt of the full documentation.
  • Our settlement cheque/fund transfer will be made within 48 hours of the receipt of the executed discharge voucher.

Related Product

FlexiCash is an endowment plan that pays the beneficiary the sum assured plus the accrued bonus…


The product is available in three (3) variants as shown below:


FlexiGuard Silver

FlexiGuard Gold

FlexiGuard Platinum


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