Pho-Mo Joint Life

When newlyweds settle down with the love of their lives, only a lucky few are born with a silver spoon in their mouths and can luxuriate in flashy marriage, honeymoon trip, and fully furnished luxurious home.

Instead, most couples must begin from scratch and buy everything to settle down in life. Then comes the imposing familial obligations of our close-knit society. Such responsibilities often leave young couples with very little to save.

That’s why we have a Pho-Mo Joint Life for you, which helps cover two lives under one policy. Our Pho-Mo Joint Life helps couples beyond the end by leaving everything you would want for your love while together and beyond.

BENEFITS

Protection

Tax Rebate

Covers 2 Lives

Loan Eligible

Premium waiver upon death of spouse

Sum Assured plus bonus on maturity

Claim Checklists

Maturity Benefit

Original Policy Document / policy closure form
Copy of Citizenship Identity Card
Revenue stamp
Discharge voucher has to be signed & witnessed

Death Claim

Intimation Letter
Claimant’s Statement duly signed by the nominee along with a witness
Certificate by Employer if the deceased was employed
Proof of Death (Death Certificate, a Letter from Ministry of Home & Cultural Affairs, Police or Gup in case of death outside hospital premises)
Copy of Citizenship Identity Card of both the deceased and the nominee
Original Policy Document
Investigation Report in case of very early death claim
In case of accidental death, police report
Discharge voucher has to be signed & witnessed

Surrender

Surrender Form (available @www.ricb.bt)
CID Copy
Original Policy Document / policy closure form
Revenue stamp
Discharge voucher has to be signed & witnessed

Revival

Ordinary Revival Form (available @www.ricb.bt) only if the policy has lapsed for more than 6 months and less than one year.
Health Declaration Form (available @www.ricb.bt) if the policy has lapsed for more than one year

Claim Forms

Maturity Benefit