Life Shield


How It Works

Life Shield offers you an efficient, low-cost and straightforward life insurance policy that will provide a lump sum cash payout (minimum $10,000), giving you and your dependents the comfort of knowing they will be financially secure if you should die. Life Shield also offers benefits if you suffer terminal illness. If you are diagnosed to be suffering from an illness that is expected to result in your death within 12 months, you may request that your policy benefits are paid early.

  •  Life Shield will also build modest cash value which will grow as your policy gets older. 
The Benefits
  • Lump Sum value can be selected and is level and guaranteed for life 
  • Premiums are level and guaranteed for life
  • Minimum amount of cover with Life Shield will be $10,000  
Available Riders
  • Accidental death and waiver of premium options
  • A living benefits rider will be added to your plan FREE of charge.
Your Commitment
You agree to pay a regular monthly payment (this can be paid automatically). The premiums you will pay, and your benefits, are guaranteed to be the same throughout the life of the policy.



For more information, contact your nearest BAF office or send us an email, we’ll glady call you.

We are always waiting to serve you.

  • Life Shield Premier

    Protection for now and later

    Life Shield Premier is a long-term policy with a savings component that provides a lump sum for your dependents should you die during the “term” of the policy. The savings element increases in value over time producing a greater lump sum payment upon death and if you suffer a terminal illness, BAF will pay an early lump sum benefit.

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  • Alternative Access

    Mature in age. Young at heart

    Alternative Access is a completely different style of insurance policy that makes good quality life insurance available and easy to buy for people from ages 50 to 70 years. Choose the amount of insurance you need and the premium you want to pay knowing that your rate is level and guaranteed for life

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  • Parent's Promise

    Make your child a promise

    Parents’ Promise is a Whole Life Insurance policy that protects your child while building a valuable nest egg for their future. Parents Promise is available for children from birth to age 13 and grows as they grow into a lump sum which can be used for your child’s education, as a downpayment on a home or to fulfil their wildest dreams.

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  • Final Expense

    Making life a little easier

    The emotional and financial stress of loss can be overwhelming. With Final Expense Life Insurance your family wont have to use their limited savings, sell precious assets or borrow from friends to cover all the costs of a funeral. With the right plan, there can be enough to cover medical bills and pay outstanding debts.

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