Life & Assurance
Long-term protection and savings that look after the people who depend on you.
Life assurance is ultimately about responsibility — making sure that the people who rely on you are looked after, whatever happens. The right plan can replace lost income, settle debts, fund children’s education and cover funeral costs, allowing your family to grieve without the added burden of financial hardship.
We arrange individual life and whole life assurance, term assurance for a fixed period such as the life of a mortgage, savings and education policies that build a fund towards future goals, and funeral policies that provide quick, dignified support when it is needed most. For businesses, keyman insurance protects against the financial impact of losing a person whose skills or relationships are vital to the company’s success.
Because life products are long-term commitments, honest advice matters. We take time to understand your family, your finances and your goals, explain how each policy works in plain language — including what happens if you stop paying — and compare options from several life insurers so that you commit to something that will still serve you well years from now.
What we can arrange
Cover options at a glance.
Exact terms, limits and exclusions vary between insurers. We’ll walk you through the details of every option before you decide.
Individual life assurance
A lump sum paid to your beneficiaries on death, protecting their financial future.
Whole life assurance
Lifelong cover that pays out whenever death occurs, as long as premiums are maintained.
Term assurance
Affordable cover for a set period, often aligned with a loan or your working years.
Savings & education policies
Disciplined saving towards goals such as school and university fees.
Funeral policies
Prompt payment towards funeral and related costs for you and your family members.
Keyman insurance
Protects a business against the loss of a key owner, director or employee.
Overseas travel assurance
Medical emergencies and travel disruption when you travel outside Zambia.
Why Symmetric
More than a policy. A partner for the life of your cover.
We compare the market
Your requirements go to insurers whose appetite and capability fit — and we negotiate on premium, excess and terms.
We explain it plainly
No jargon, no hidden clauses. You’ll know exactly what is covered, what isn’t, and what to do if something happens.
We stand by you at claims
From the first call to final settlement, we manage the insurer on your behalf and push for a fair outcome.
Often arranged together
All servicesMedical & Health
Private medical cover for individuals, families and employee groups.
Learn moreAccident & Specialty
All risks, personal accident, money, burglary and fidelity guarantee cover.
Learn moreLiability Insurance
Professional indemnity, directors’ & officers’, public, employers’ and cyber liability cover.
Learn more