Your people are your most valuable asset. As a business owner who truly cares, protecting their well-being should be easy and cost-effective and we’re here to help.
- Comprehensive Protection at an Affordable Cost: Provides financial protection against accidental death, total permanent disability, and partial permanent disability (including for dependents), featuring a simple, cost-effective solution with a lump-sum payout.
- Boosts Productivity and Employee Peace of Mind: Helps employees or insured members work with confidence and peace of mind, enhancing work productivity and loyalty to the company/institution.
- Enhances Organizational Value and Retains Top Talent: Demonstrates the high responsibility and care of employers serving as a meaningful reward that helps attract and retain talented employees or valued members.
Fortune Life provides 2 choices of protection (Gold or Silver package) depending on the needs of employer as below:
| Types of Protection | Benefit as % of Sum Assured | |
|---|---|---|
| Silver | Gold | |
| Death or Total and Permanent Disability | 100% | 100% |
| Death or Total and Permanent Disability (due to accident) | 100% | 200% |
| Partial Permanent Disability (due to accident)(1) | – | Up to 60% |
(1) Partial Permanent Disability (due to accident):
| % of Sum Assured | Type of Partial Permanent Disability |
|---|---|
| 60% | Loss of one hand from the wrist joint upward |
| 60% | Loss of one foot from the ankle joint upward |
| 60% | Loss of sight in one eye |
| 50% | Permanent loss of hearing or speech |
| 15% | Permanent loss of hearing in one ear |
| 25% | Loss of a thumb (two joints) |
| 10% | Loss of a thumb (one joint) |
| 10% | Loss of an index finger (three joints) |
| 8% | Loss of an index finger (two joints) |
| 4% | Loss of an index finger (one joint) |
| 5% | Loss of each finger (not less than two joints) other than a thumb and an index finger |
| 5% | Loss of a big toe |
| 1% | Loss of each toe (not less than one joint) other than a big toe |
ForLife សំណាញ់ការពារជាក្រុម Plan
Work with peace of mind
Example Showing How the Plan Works:
Mr. Dara who is 35 years old is an employee of Company ABC. Company ABC purchased the ForLife សំណាញ់ការពារជាក្រុម (Gold Plan) with the Sum Assured of $5,000 to protect each staff.
- In case Mr. Dara dies or becomes total and permanent disability either during or after work, Fortune Life will pay a lump sum benefit of $5,000 to Mr. Dara or his family.
- In case Mr. Dara dies or becomes total and permanent disability due to accident either during or after work, Fortune Life will pay a lump sum benefit of $10,000 to Mr. Dara or his family.
- In case Mr. Dara loses one hand (from the wrist joint upward) due to accident either during or after work, Fortune Life will pay a lump sum benefit of $3,000 to Mr. Dara or his family.
Mr. Dara