Life Cover for African Expats & Diaspora | Mutual Life Africa<\/title>\r\n<meta name=\"description\" content=\"Life Cover that pays when you die \u2014 and pays when you don't. Mutual Life Africa offers global life protection for African expats and the diaspora in USD, GBP, EUR and ZAR. Fixed premiums, no medical exams, and a guaranteed cashout option from year 5.\">\r\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\r\n<link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin>\r\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Space+Grotesk:wght@400;500;600&display=swap\" rel=\"stylesheet\">\r\n<style>\r\n#mla-lc *{box-sizing:border-box;margin:0;padding:0}\r\n#mla-lc{font-family:'Space Grotesk',sans-serif;color:#0D1B3E;background:#ffffff;width:100%}\r\n#mla-lc img{display:block;max-width:100%}\r\n\r\n\/* \u2500\u2500 HERO \u2500\u2500 *\/\r\n#mla-lc .lc-hero{position:relative;width:100%;min-height:580px;display:grid;grid-template-columns:1fr 1fr;overflow:hidden}\r\n#mla-lc .lc-hero-img{width:100%;height:100%;min-height:580px;object-fit:cover;object-position:center top}\r\n#mla-lc .lc-hero-copy{background:#1A237E;padding:4rem 3.5rem;display:flex;flex-direction:column;justify-content:center;gap:1.5rem}\r\n#mla-lc .lc-eyebrow{font-size:11px;font-weight:600;letter-spacing:2.5px;text-transform:uppercase;color:#C9A84C}\r\n#mla-lc .lc-hero-copy h1{font-size:32px;font-weight:600;color:#ffffff;line-height:1.2;letter-spacing:-0.3px}\r\n#mla-lc .lc-hero-copy h1 em{color:#C9A84C;font-style:normal}\r\n#mla-lc .lc-hero-copy p{font-size:15px;font-weight:400;color:#ffffff;line-height:1.7;max-width:38ch}\r\n#mla-lc .lc-pill-row{display:flex;flex-wrap:wrap;gap:0.6rem}\r\n#mla-lc .lc-pill{font-size:12px;font-weight:500;color:#ffffff;background:rgba(255,255,255,0.12);border:1px solid rgba(255,255,255,0.22);border-radius:100px;padding:6px 14px}\r\n#mla-lc .lc-cur-row{display:flex;gap:0.6rem;flex-wrap:wrap;margin-top:0.4rem}\r\n#mla-lc .lc-cur{width:44px;height:44px;border-radius:50%;border:1.5px solid #C9A84C;display:flex;align-items:center;justify-content:center;font-size:16px;font-weight:600;color:#C9A84C}\r\n#mla-lc .lc-cur small{display:block;font-size:10px;font-weight:500;color:#ffffff;text-align:center;margin-top:4px}\r\n#mla-lc .lc-cur-item{display:flex;flex-direction:column;align-items:center;gap:2px}\r\n#mla-lc .lc-btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-family:'Space Grotesk',sans-serif;font-size:14px;font-weight:600;padding:14px 28px;border-radius:10px;cursor:pointer;text-decoration:none;transition:opacity 0.2s,transform 0.15s;border:none}\r\n#mla-lc .lc-btn:active{transform:translateY(1px)}\r\n#mla-lc .lc-btn-gold{background:#C9A84C;color:#1A237E}\r\n#mla-lc .lc-btn-gold:hover{opacity:0.88}\r\n#mla-lc .lc-btn-outline{background:transparent;color:#ffffff;border:1.5px solid rgba(255,255,255,0.4)}\r\n#mla-lc .lc-btn-outline:hover{border-color:#ffffff}\r\n\r\n\/* \u2500\u2500 PROMISE BAND \u2500\u2500 *\/\r\n#mla-lc .lc-band{background:#0D1B3E;padding:2rem 2.5rem}\r\n#mla-lc .lc-band-inner{max-width:1100px;margin:0 auto;display:grid;grid-template-columns:repeat(4,1fr);gap:0}\r\n#mla-lc .lc-band-item{padding:0 1.5rem;border-right:1px solid rgba(255,255,255,0.12)}\r\n#mla-lc .lc-band-item:first-child{padding-left:0}\r\n#mla-lc .lc-band-item:last-child{border-right:none}\r\n#mla-lc .lc-band-item strong{display:block;font-size:13px;font-weight:600;color:#C9A84C;margin-bottom:4px}\r\n#mla-lc .lc-band-item span{font-size:13px;font-weight:400;color:#ffffff;line-height:1.5}\r\n\r\n\/* \u2500\u2500 DUAL SECTION \u2500\u2500 *\/\r\n#mla-lc .lc-dual{display:grid;grid-template-columns:1fr 1fr;min-height:480px}\r\n#mla-lc .lc-dual-img{width:100%;height:100%;min-height:480px;object-fit:cover;object-position:center}\r\n#mla-lc .lc-dual-copy{padding:3.5rem;display:flex;flex-direction:column;justify-content:center;gap:1.4rem;background:#F8F9FC}\r\n#mla-lc .lc-dual-copy h2{font-size:26px;font-weight:600;color:#1A237E;line-height:1.25;letter-spacing:-0.2px}\r\n#mla-lc .lc-dual-copy h2 em{color:#C9A84C;font-style:normal}\r\n#mla-lc .lc-dual-copy p{font-size:14px;font-weight:400;color:#0D1B3E;line-height:1.75}\r\n#mla-lc .lc-feature-list{display:flex;flex-direction:column;gap:0.75rem;margin-top:0.4rem}\r\n#mla-lc .lc-feature-item{display:flex;align-items:flex-start;gap:10px;font-size:13px;font-weight:400;color:#0D1B3E;line-height:1.6}\r\n#mla-lc .lc-dot{width:5px;height:5px;min-width:5px;border-radius:50%;background:#C9A84C;margin-top:7px}\r\n\r\n\/* \u2500\u2500 SURRENDER SECTION \u2500\u2500 *\/\r\n#mla-lc .lc-surrender{background:#1A237E;padding:4rem 2.5rem}\r\n#mla-lc .lc-surrender-inner{max-width:1000px;margin:0 auto;display:grid;grid-template-columns:1fr 1fr;gap:3rem;align-items:start}\r\n#mla-lc .lc-s-copy{color:#ffffff}\r\n#mla-lc .lc-s-copy h2{font-size:26px;font-weight:600;color:#ffffff;line-height:1.25;margin-bottom:1.2rem;letter-spacing:-0.2px}\r\n#mla-lc .lc-s-copy h2 em{color:#C9A84C;font-style:normal}\r\n#mla-lc .lc-s-copy p{font-size:14px;font-weight:400;color:#ffffff;line-height:1.75;margin-bottom:1rem}\r\n#mla-lc .lc-s-rule{display:flex;align-items:center;gap:1rem;margin:1.5rem 0;padding:1.25rem;background:rgba(255,255,255,0.07);border:1px solid rgba(201,168,76,0.3);border-radius:12px}\r\n#mla-lc .lc-s-rule .piece{text-align:center}\r\n#mla-lc .lc-s-rule .piece strong{display:block;font-size:13px;font-weight:600;color:#ffffff;line-height:1.3}\r\n#mla-lc .lc-s-rule .piece small{font-size:11px;font-weight:400;color:#C9A84C}\r\n#mla-lc .lc-s-rule .plus{font-size:20px;font-weight:600;color:#C9A84C}\r\n\r\n\/* Calculator *\/\r\n#mla-lc .lc-calc{background:#ffffff;border-radius:16px;padding:2rem;box-shadow:0 8px 40px rgba(6,8,31,0.18)}\r\n#mla-lc .lc-calc h3{font-size:16px;font-weight:600;color:#1A237E;margin-bottom:0.3rem}\r\n#mla-lc .lc-calc .lc-calc-sub{font-size:13px;font-weight:400;color:#0D1B3E;margin-bottom:1.5rem;line-height:1.5}\r\n#mla-lc .lc-field{margin-bottom:1.2rem}\r\n#mla-lc .lc-field label{display:block;font-size:11px;font-weight:600;letter-spacing:1.5px;text-transform:uppercase;color:#1A237E;margin-bottom:0.5rem}\r\n#mla-lc .lc-cur-tabs{display:flex;gap:6px;margin-bottom:1.2rem}\r\n#mla-lc .lc-cur-tabs button{flex:1;font-family:'Space Grotesk',sans-serif;font-size:13px;font-weight:600;color:#0D1B3E;background:#F3F5FC;border:1.5px solid #E0E4F0;border-radius:8px;padding:8px 0;cursor:pointer;transition:all 0.15s}\r\n#mla-lc .lc-cur-tabs button.on{background:#1A237E;color:#ffffff;border-color:#1A237E}\r\n#mla-lc .lc-age-tabs{display:grid;grid-template-columns:1fr 1fr;gap:6px;margin-bottom:1.2rem}\r\n#mla-lc .lc-age-tabs button{font-family:'Space Grotesk',sans-serif;font-size:12px;font-weight:500;color:#0D1B3E;background:#F3F5FC;border:1.5px solid #E0E4F0;border-radius:8px;padding:8px 6px;cursor:pointer;transition:all 0.15s}\r\n#mla-lc .lc-age-tabs button.on{background:#1A237E;color:#ffffff;border-color:#1A237E}\r\n#mla-lc .lc-tier-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:6px;margin-bottom:1.2rem}\r\n#mla-lc .lc-tier-btn{font-family:'Space Grotesk',sans-serif;font-size:12px;font-weight:500;color:#0D1B3E;background:#F3F5FC;border:1.5px solid #E0E4F0;border-radius:8px;padding:10px 4px;cursor:pointer;transition:all 0.15s;text-align:center;line-height:1.3}\r\n#mla-lc .lc-tier-btn .t-cover{display:block;font-weight:600;font-size:12px}\r\n#mla-lc .lc-tier-btn .t-prem{display:block;font-size:10px;color:#1A237E;margin-top:2px}\r\n#mla-lc .lc-tier-btn.on{background:#1A237E;color:#ffffff;border-color:#1A237E}\r\n#mla-lc .lc-tier-btn.on .t-prem{color:#C9A84C}\r\n#mla-lc .lc-rng-head{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:0.4rem}\r\n#mla-lc .lc-rng-val{font-size:14px;font-weight:600;color:#1A237E}\r\n#mla-lc .lc-field input[type=range]{width:100%;accent-color:#1A237E;cursor:pointer}\r\n#mla-lc .lc-result{background:#1A237E;border-radius:12px;padding:1.25rem;margin-top:1.25rem}\r\n#mla-lc .lc-result-row{display:flex;justify-content:space-between;align-items:baseline;padding:6px 0;border-bottom:1px solid rgba(255,255,255,0.1);font-size:13px}\r\n#mla-lc .lc-result-row:last-of-type{border-bottom:none;padding-top:10px}\r\n#mla-lc .lc-result-row .rk{color:#ffffff;font-weight:400}\r\n#mla-lc .lc-result-row .rv{color:#ffffff;font-weight:600}\r\n#mla-lc .lc-result-row.total .rv{color:#C9A84C;font-size:18px;font-weight:600}\r\n#mla-lc .lc-result-note{font-size:11px;color:rgba(255,255,255,0.65);margin-top:0.75rem;line-height:1.5}\r\n#mla-lc .lc-result-cta{margin-top:1rem;width:100%;display:block;text-align:center;background:#C9A84C;color:#1A237E;font-family:'Space Grotesk',sans-serif;font-size:14px;font-weight:600;padding:13px;border-radius:10px;text-decoration:none;transition:opacity 0.2s}\r\n#mla-lc .lc-result-cta:hover{opacity:0.88}\r\n#mla-lc .lc-no-sel{font-size:13px;color:#0D1B3E;text-align:center;padding:1rem 0;display:none}\r\n\r\n\/* \u2500\u2500 CLOSING CTA \u2500\u2500 *\/\r\n#mla-lc .lc-cta-block{background:#F8F9FC;padding:3.5rem 2.5rem;text-align:center}\r\n#mla-lc .lc-cta-block h2{font-size:24px;font-weight:600;color:#1A237E;margin-bottom:0.75rem;letter-spacing:-0.2px}\r\n#mla-lc .lc-cta-block p{font-size:14px;font-weight:400;color:#0D1B3E;max-width:52ch;margin:0 auto 1.75rem;line-height:1.7}\r\n#mla-lc .lc-cta-block .lc-btn-row{display:flex;gap:1rem;justify-content:center;flex-wrap:wrap}\r\n#mla-lc .lc-btn-navy{background:#1A237E;color:#ffffff}\r\n#mla-lc .lc-btn-navy:hover{opacity:0.88}\r\n#mla-lc .lc-btn-border{background:transparent;color:#1A237E;border:1.5px solid #1A237E}\r\n#mla-lc .lc-btn-border:hover{background:#1A237E;color:#ffffff}\r\n\r\n\/* \u2500\u2500 RESPONSIVE \u2500\u2500 *\/\r\n@media(max-width:860px){\r\n #mla-lc .lc-hero{grid-template-columns:1fr}\r\n #mla-lc .lc-hero-img{min-height:280px;order:-1}\r\n #mla-lc .lc-hero-copy{padding:2.5rem 1.5rem}\r\n #mla-lc .lc-hero-copy h1{font-size:26px}\r\n #mla-lc .lc-band-inner{grid-template-columns:1fr 1fr;gap:1.5rem}\r\n #mla-lc .lc-band-item{border-right:none;padding:0}\r\n #mla-lc .lc-dual{grid-template-columns:1fr}\r\n #mla-lc .lc-dual-img{min-height:260px}\r\n #mla-lc .lc-dual-copy{padding:2.5rem 1.5rem}\r\n #mla-lc .lc-surrender-inner{grid-template-columns:1fr}\r\n #mla-lc .lc-surrender{padding:3rem 1.5rem}\r\n #mla-lc .lc-cta-block{padding:3rem 1.5rem}\r\n}\r\n@media(max-width:520px){\r\n #mla-lc .lc-band-inner{grid-template-columns:1fr}\r\n #mla-lc .lc-band{padding:2rem 1.5rem}\r\n #mla-lc .lc-tier-grid{grid-template-columns:1fr 1fr}\r\n #mla-lc .lc-hero-copy h1{font-size:23px}\r\n #mla-lc .lc-dual-copy h2,#mla-lc .lc-s-copy h2,#mla-lc .lc-cta-block h2{font-size:22px}\r\n}\r\n@media(prefers-reduced-motion:reduce){\r\n #mla-lc *{transition:none!important}\r\n}\r\n<\/style>\r\n<\/head>\r\n<body>\r\n<div id=\"mla-lc\">\r\n\r\n \r\n <section class=\"lc-hero\">\r\n <img decoding=\"async\" class=\"lc-hero-img\"\r\n src=\"https:\/\/mutuallife.africa\/wp-content\/uploads\/2026\/08\/Mutual-Life-Africa-International.png\"\r\n alt=\"African family protected by Mutual Life Africa life cover\"\r\n loading=\"eager\">\r\n <div class=\"lc-hero-copy\">\r\n <div>\r\n <div class=\"lc-eyebrow\">Life Cover<\/div>\r\n <h1>Cover that pays out<br>when you pass away \u2014 or<br>pays <em>you<\/em> while you live.<\/h1>\r\n <\/div>\r\n <p>Mutual Life Africa Life Cover is built for Africans living and working across the globe. Fixed premiums, no medical exams, and a guaranteed cashout option \u2014 because your money should work for you, whether or not you ever make a claim.<\/p>\r\n <div class=\"lc-pill-row\">\r\n <span class=\"lc-pill\">No Medical Exams<\/span>\r\n <span class=\"lc-pill\">Fixed Premiums<\/span>\r\n <span class=\"lc-pill\">Cover from Day One<\/span>\r\n <span class=\"lc-pill\">Surrender from Year 5<\/span>\r\n <\/div>\r\n <div>\r\n <div class=\"lc-eyebrow\" style=\"margin-bottom:0.75rem\">Available in 4 currencies<\/div>\r\n <div class=\"lc-cur-row\">\r\n <div class=\"lc-cur-item\"><div class=\"lc-cur\">$<\/div><small style=\"color:#ffffff\">USD<\/small><\/div>\r\n <div class=\"lc-cur-item\"><div class=\"lc-cur\">R<\/div><small style=\"color:#ffffff\">ZAR<\/small><\/div>\r\n <div class=\"lc-cur-item\"><div class=\"lc-cur\">\u00a3<\/div><small style=\"color:#ffffff\">GBP<\/small><\/div>\r\n <div class=\"lc-cur-item\"><div class=\"lc-cur\">\u20ac<\/div><small style=\"color:#ffffff\">EUR<\/small><\/div>\r\n <\/div>\r\n <div style=\"font-size:13px;font-weight:400;color:#ffffff;line-height:1.7;padding:0.9rem 1rem;background:rgba(255,255,255,0.08);border-left:3px solid #C9A84C;border-radius:0 8px 8px 0;margin-top:0.75rem\">\r\n <strong style=\"color:#C9A84C;font-weight:600\">Open to all African nationalities \u2014 at home and across the globe.<\/strong><br>\r\n From Zimbabweans in the UK and Nigerians in the UAE, to Ghanaians in Canada, Malawians in South Africa, Kenyans in Australia and Congolese in Belgium \u2014 wherever you are, we cover you.\r\n <\/div>\r\n <\/div>\r\n <div style=\"display:flex;gap:0.75rem;flex-wrap:wrap\">\r\n <a class=\"lc-btn lc-btn-gold\" href=\"https:\/\/mutuallife.africa\/buy-cover\/\">Get Cover Now<\/a>\r\n <a class=\"lc-btn lc-btn-outline\" href=\"#lc-cashout\">See Your Cashout Value<\/a>\r\n <\/div>\r\n <\/div>\r\n <\/section>\r\n\r\n \r\n <div class=\"lc-band\">\r\n <div class=\"lc-band-inner\">\r\n <div class=\"lc-band-item\">\r\n <strong>Life cover that doesn't trap you<\/strong>\r\n <span>Hold for 5 years and you can walk away with every premium paid, plus 3% annual interest.<\/span>\r\n <\/div>\r\n <div class=\"lc-band-item\">\r\n <strong>Global cover for African families<\/strong>\r\n <span>Valid wherever you live or work \u2014 across Africa, the UK, Europe, and beyond.<\/span>\r\n <\/div>\r\n <div class=\"lc-band-item\">\r\n <strong>No increases, no surprises<\/strong>\r\n <span>Your premium is locked at signup. It never increases because of age or circumstance.<\/span>\r\n <\/div>\r\n <div class=\"lc-band-item\">\r\n <strong>Simple cross-border claims<\/strong>\r\n <span>Beneficiaries receive the full payout in your policy currency, wherever they are in the world.<\/span>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n \r\n <section class=\"lc-dual\">\r\n <img decoding=\"async\" class=\"lc-dual-img\"\r\n src=\"https:\/\/mutuallife.africa\/wp-content\/uploads\/2026\/08\/Mutual-Life-Africa.png\"\r\n alt=\"Mutual Life Africa \u2014 financial protection for African families\"\r\n loading=\"lazy\">\r\n <div class=\"lc-dual-copy\">\r\n <div class=\"lc-eyebrow\">What you get<\/div>\r\n <h2>Cover built for the<br>African expat and<br><em>diaspora experience<\/em>.<\/h2>\r\n <p>Life in a new country means building a future across borders. Our Life Cover is designed for exactly that \u2014 protecting your family back home while you build something greater abroad.<\/p>\r\n <div class=\"lc-feature-list\">\r\n <div class=\"lc-feature-item\"><div class=\"lc-dot\"><\/div>Guaranteed lump sum benefit paid to your nominated beneficiaries when you pass away \u2014 in the same currency as your policy<\/div>\r\n <div class=\"lc-feature-item\"><div class=\"lc-dot\"><\/div>Accidental cover from day one \u2014 natural causes covered after a 6-month waiting period<\/div>\r\n <div class=\"lc-feature-item\"><div class=\"lc-dot\"><\/div>No medical underwriting \u2014 straightforward onboarding with no health checks required<\/div>\r\n <div class=\"lc-feature-item\"><div class=\"lc-dot\"><\/div>Cover remains valid across borders \u2014 your policy moves with you, wherever life takes you<\/div>\r\n <div class=\"lc-feature-item\"><div class=\"lc-dot\"><\/div>Maximum entry age is 60 \u2014 once in, your cover continues well beyond that with no cutoff<\/div>\r\n <div class=\"lc-feature-item\"><div class=\"lc-dot\"><\/div>Cash benefit while you are still alive \u2014 surrender from year 5 if no claim has ever been paid on your policy, and receive all premiums back plus 3% annual interest<\/div>\r\n <\/div>\r\n <\/div>\r\n <\/section>\r\n\r\n \r\n <section class=\"lc-surrender\" id=\"lc-cashout\">\r\n <div class=\"lc-surrender-inner\">\r\n <div class=\"lc-s-copy\">\r\n <div class=\"lc-eyebrow\" style=\"color:#C9A84C;margin-bottom:0.8rem\">Your money, your choice<\/div>\r\n <h2>A policy that pays out<br>when you pass away \u2014<br>and <em>when you don't<\/em>.<\/h2>\r\n <p>Most life insurance is a cost with nothing to show for it if you never make a claim. Mutual Life Africa Life Cover is different. From your fifth policy year, provided no claim has ever been paid on your policy, you can choose to surrender and receive every premium you have ever paid \u2014 plus a fixed 3% annual interest for every year you held it.<\/p>\r\n <p>You are not locked in for life. If your circumstances change and your policy has never paid out, you walk away with your money and more. Once cashed out, your policy closes \u2014 and you are free to open a new one at any time.<\/p>\r\n <div class=\"lc-s-rule\">\r\n <div class=\"piece\"><strong>All premiums paid<\/strong><small>to date<\/small><\/div>\r\n <div class=\"plus\">+<\/div>\r\n <div class=\"piece\"><strong>3% per year<\/strong><small>fixed annual interest<\/small><\/div>\r\n <div class=\"plus\">=<\/div>\r\n <div class=\"piece\"><strong>Your cashout<\/strong><small>from year 5<\/small><\/div>\r\n <\/div>\r\n <p style=\"font-size:13px;color:rgba(255,255,255,0.7)\">Your death benefit is separate and always pays the full cover amount regardless of the cashout option. Surrender is available from the end of your fifth policy year.<\/p>\r\n <\/div>\r\n\r\n \r\n <div class=\"lc-calc\">\r\n <h3>Calculate your cashout value<\/h3>\r\n <p class=\"lc-calc-sub\">Select your currency, age group and cover amount to see exactly what you could walk away with.<\/p>\r\n\r\n <div class=\"lc-field\">\r\n <label>Currency<\/label>\r\n <div class=\"lc-cur-tabs\" id=\"lcCurTabs\">\r\n <button data-cur=\"USD\" class=\"on\">$ USD<\/button>\r\n <button data-cur=\"GBP\">\u00a3 GBP<\/button>\r\n <button data-cur=\"EUR\">\u20ac EUR<\/button>\r\n <button data-cur=\"ZAR\">R ZAR<\/button>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"lc-field\">\r\n <label>Age group<\/label>\r\n <div class=\"lc-age-tabs\" id=\"lcAgeTabs\"><\/div>\r\n <\/div>\r\n\r\n <div class=\"lc-field\">\r\n <label>Cover amount<\/label>\r\n <div class=\"lc-tier-grid\" id=\"lcTierGrid\">\r\n <div class=\"lc-no-sel\" id=\"lcTierPrompt\" style=\"display:block;grid-column:1\/-1\">Select an age group above to see cover options.<\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"lc-field\">\r\n <div class=\"lc-rng-head\">\r\n <label style=\"margin:0\">Years held<\/label>\r\n <span class=\"lc-rng-val\" id=\"lcYrsVal\">10 years<\/span>\r\n <\/div>\r\n <input type=\"range\" id=\"lcYears\" min=\"5\" max=\"30\" step=\"1\" value=\"10\">\r\n <\/div>\r\n\r\n <div class=\"lc-result\" id=\"lcResult\" style=\"display:none\">\r\n <div class=\"lc-result-row\"><span class=\"rk\">Monthly premium<\/span><span class=\"rv\" id=\"lcOutPremium\">\u2014<\/span><\/div>\r\n <div class=\"lc-result-row\"><span class=\"rk\">Total premiums paid<\/span><span class=\"rv\" id=\"lcOutPaid\">\u2014<\/span><\/div>\r\n <div class=\"lc-result-row\"><span class=\"rk\">Interest earned (3% p.a.)<\/span><span class=\"rv\" id=\"lcOutInterest\">\u2014<\/span><\/div>\r\n <div class=\"lc-result-row total\"><span class=\"rk\" style=\"font-weight:600;color:#ffffff\">Your cashout value<\/span><span class=\"rv\" id=\"lcOutTotal\">\u2014<\/span><\/div>\r\n <p class=\"lc-result-note\">Illustration only. Cashout is only available if no claim has ever been paid on this policy. Once surrendered, the policy closes \u2014 a new policy can be opened at any time. The life cover benefit always pays the full cover amount separately.<\/p>\r\n <a class=\"lc-result-cta\" href=\"https:\/\/mutuallife.africa\/buy-cover\/\">Buy Cover \u2014 Get Protected Today<\/a>\r\n <\/div>\r\n\r\n <div id=\"lcNoSel\" style=\"font-size:13px;color:#6b7280;text-align:center;padding:1.25rem 0\">\r\n Select a currency, age group and cover amount to see your cashout value.\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/section>\r\n\r\n \r\n <section class=\"lc-cta-block\">\r\n <h2>Ready to protect what matters most?<\/h2>\r\n <p>Join African expats and diaspora members across the globe who have secured their families' futures with Mutual Life Africa. Fixed premiums, cross-border cover, and a policy that pays out when it matters \u2014 or pays you back if it never has to.<\/p>\r\n <div class=\"lc-btn-row\">\r\n <a class=\"lc-btn lc-btn-navy\" href=\"https:\/\/mutuallife.africa\/buy-cover\/\">Get Cover Now<\/a>\r\n <a class=\"lc-btn lc-btn-border\" href=\"https:\/\/app.mutuallife.africa\">Manage My Policy<\/a>\r\n <\/div>\r\n <\/section>\r\n\r\n<\/div>\r\n\r\n<script>\r\n(function(){\r\n var RATE = 0.03;\r\n\r\n var DATA = {\r\n USD: {\r\n sym: '$', ages: ['18\u201330','31\u201340','41\u201350','51\u201360'],\r\n tiers: ['100k','250k','500k','1M','2M'],\r\n labels: {'100k':'$100k','250k':'$250k','500k':'$500k','1M':'$1M','2M':'$2M'},\r\n premiums: {\r\n '18\u201330':{'100k':28,'250k':65,'500k':120,'1M':230,'2M':450},\r\n '31\u201340':{'100k':38,'250k':90,'500k':165,'1M':320,'2M':620},\r\n '41\u201350':{'100k':65,'250k':150,'500k':280,'1M':560,'2M':1100},\r\n '51\u201360':{'100k':110,'250k':260,'500k':480,'1M':960,'2M':1900}\r\n }\r\n },\r\n GBP: {\r\n sym: '\u00a3', ages: ['18\u201330','31\u201340','41\u201350','51\u201360'],\r\n tiers: ['100k','250k','500k','1M','2M'],\r\n labels: {'100k':'\u00a3100k','250k':'\u00a3250k','500k':'\u00a3500k','1M':'\u00a31M','2M':'\u00a32M'},\r\n premiums: {\r\n '18\u201330':{'100k':28,'250k':65,'500k':120,'1M':230,'2M':450},\r\n '31\u201340':{'100k':38,'250k':90,'500k':165,'1M':320,'2M':620},\r\n '41\u201350':{'100k':65,'250k':150,'500k':280,'1M':560,'2M':1100},\r\n '51\u201360':{'100k':110,'250k':260,'500k':480,'1M':960,'2M':1900}\r\n }\r\n },\r\n EUR: {\r\n sym: '\u20ac', ages: ['18\u201330','31\u201340','41\u201350','51\u201360'],\r\n tiers: ['100k','250k','500k','1M','2M'],\r\n labels: {'100k':'\u20ac100k','250k':'\u20ac250k','500k':'\u20ac500k','1M':'\u20ac1M','2M':'\u20ac2M'},\r\n premiums: {\r\n '18\u201330':{'100k':28,'250k':65,'500k':120,'1M':230,'2M':450},\r\n '31\u201340':{'100k':38,'250k':90,'500k':165,'1M':320,'2M':620},\r\n '41\u201350':{'100k':65,'250k':150,'500k':280,'1M':560,'2M':1100},\r\n '51\u201360':{'100k':110,'250k':260,'500k':480,'1M':960,'2M':1900}\r\n }\r\n },\r\n ZAR: {\r\n sym: 'R', ages: ['20\u201329','30\u201339','40\u201349','50\u201360'],\r\n tiers: ['250k','500k','750k','1M','2M'],\r\n labels: {'250k':'R250k','500k':'R500k','750k':'R750k','1M':'R1M','2M':'R2M'},\r\n premiums: {\r\n '20\u201329':{'250k':300,'500k':400,'750k':500,'1M':750,'2M':null},\r\n '30\u201339':{'250k':400,'500k':600,'750k':750,'1M':999,'2M':1499},\r\n '40\u201349':{'250k':500,'500k':650,'750k':800,'1M':1200,'2M':2000},\r\n '50\u201360':{'250k':500,'500k':650,'750k':850,'1M':1499,'2M':2499}\r\n }\r\n }\r\n };\r\n\r\n var state = { cur:'USD', age:null, tier:null };\r\n\r\n function sv(monthly, years){\r\n var annual = monthly * 12;\r\n return annual * (1+RATE) * ((Math.pow(1+RATE,years)-1)\/RATE);\r\n }\r\n\r\n function fmt(sym, n){\r\n return sym + Math.round(n).toLocaleString('en-US');\r\n }\r\n\r\n function buildAgeTabs(){\r\n var d = DATA[state.cur];\r\n var wrap = document.getElementById('lcAgeTabs');\r\n wrap.innerHTML = '';\r\n state.age = null; state.tier = null;\r\n d.ages.forEach(function(age){\r\n var b = document.createElement('button');\r\n b.textContent = age;\r\n b.addEventListener('click', function(){\r\n state.age = age; state.tier = null;\r\n wrap.querySelectorAll('button').forEach(function(x){x.classList.remove('on');});\r\n b.classList.add('on');\r\n buildTierGrid();\r\n recalc();\r\n });\r\n wrap.appendChild(b);\r\n });\r\n }\r\n\r\n function buildTierGrid(){\r\n var d = DATA[state.cur];\r\n var wrap = document.getElementById('lcTierGrid');\r\n wrap.innerHTML = '';\r\n if(!state.age){\r\n var p = document.createElement('div');\r\n p.style.cssText='font-size:13px;color:#6b7280;grid-column:1\/-1;padding:0.5rem 0';\r\n p.textContent='Select an age group above to see cover options.';\r\n wrap.appendChild(p); return;\r\n }\r\n d.tiers.forEach(function(tier){\r\n var prem = d.premiums[state.age][tier];\r\n if(prem === null || prem === undefined) return;\r\n var b = document.createElement('button');\r\n b.className = 'lc-tier-btn';\r\n b.innerHTML = '<span class=\"t-cover\">'+d.labels[tier]+'<\/span><span class=\"t-prem\">'+d.sym+prem+'\/mo<\/span>';\r\n b.addEventListener('click', function(){\r\n state.tier = tier;\r\n wrap.querySelectorAll('.lc-tier-btn').forEach(function(x){x.classList.remove('on');});\r\n b.classList.add('on');\r\n recalc();\r\n });\r\n wrap.appendChild(b);\r\n });\r\n }\r\n\r\n function recalc(){\r\n var result = document.getElementById('lcResult');\r\n var nosel = document.getElementById('lcNoSel');\r\n if(!state.age || !state.tier){\r\n result.style.display='none'; nosel.style.display='block'; return;\r\n }\r\n var d = DATA[state.cur];\r\n var prem = d.premiums[state.age][state.tier];\r\n var years = parseInt(document.getElementById('lcYears').value,10);\r\n var paid = prem * 12 * years;\r\n var total = sv(prem, years);\r\n var interest = total - paid;\r\n result.style.display='block'; nosel.style.display='none';\r\n document.getElementById('lcOutPremium').textContent = d.sym + prem + '\/month';\r\n document.getElementById('lcOutPaid').textContent = fmt(d.sym, paid);\r\n document.getElementById('lcOutInterest').textContent = fmt(d.sym, interest);\r\n document.getElementById('lcOutTotal').textContent = fmt(d.sym, total);\r\n }\r\n\r\n \/\/ Currency tabs\r\n document.getElementById('lcCurTabs').addEventListener('click', function(e){\r\n var b = e.target.closest('button'); if(!b) return;\r\n this.querySelectorAll('button').forEach(function(x){x.classList.remove('on');});\r\n b.classList.add('on');\r\n state.cur = b.getAttribute('data-cur');\r\n state.age = null; state.tier = null;\r\n buildAgeTabs(); buildTierGrid(); recalc();\r\n });\r\n\r\n \/\/ Years slider\r\n document.getElementById('lcYears').addEventListener('input', function(){\r\n var y = parseInt(this.value,10);\r\n document.getElementById('lcYrsVal').textContent = y + (y===1?' year':' years');\r\n recalc();\r\n });\r\n\r\n \/\/ Init\r\n buildAgeTabs(); buildTierGrid();\r\n\r\n})();\r\n<\/script>\r\n<\/body>\r\n<\/html>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Expat Life Cover Mutual Life Africa offers Expat Life Cover of up to \u20ac1 Million, designed specifically for Africans living and working across Europe. Whether you are building a future in Germany, France, the Netherlands, Belgium, Ireland, Italy, Spain, Portugal, or other European countries, Mutual Life Africa provides cross-border financial protection for you and your loved ones both in Europe<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_canvas","meta":{"footnotes":""},"class_list":["post-13222","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/mutuallife.africa\/eu\/wp-json\/wp\/v2\/pages\/13222","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mutuallife.africa\/eu\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/mutuallife.africa\/eu\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/mutuallife.africa\/eu\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/mutuallife.africa\/eu\/wp-json\/wp\/v2\/comments?post=13222"}],"version-history":[{"count":9,"href":"https:\/\/mutuallife.africa\/eu\/wp-json\/wp\/v2\/pages\/13222\/revisions"}],"predecessor-version":[{"id":21026,"href":"https:\/\/mutuallife.africa\/eu\/wp-json\/wp\/v2\/pages\/13222\/revisions\/21026"}],"wp:attachment":[{"href":"https:\/\/mutuallife.africa\/eu\/wp-json\/wp\/v2\/media?parent=13222"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}