Claims \u2014 Mutual Life Africa<\/title>\r\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\r\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Syne:wght@400;600;700;800&family=Philosopher:ital,wght@0,400;0,700;1,400;1,700&display=swap\" rel=\"stylesheet\">\r\n<style>\r\n:root{--white:#ffffff;--off:#f7f6f2;--ink:#0a0a0a;--muted:#6b6b6b;--light:#e8e4dc;--gold:#C9A84C;--gold2:#b8922e;--navy:#0D1454;--navy2:#1A237E;--border:rgba(0,0,0,.08);}\r\n*,*::before,*::after{box-sizing:border-box;margin:0;padding:0;}\r\nhtml{font-size:16px;}\r\nbody{background:var(--white);color:var(--ink);font-family:'Philosopher',serif;overflow-x:hidden;-webkit-font-smoothing:antialiased;}\r\n\r\n.hero{\r\n min-height:100svh;\r\n display:flex;flex-direction:column;justify-content:flex-end;\r\n padding:80px 24px 60px;\r\n position:relative;overflow:hidden;\r\n background:var(--white);\r\n}\r\n\r\n\/* animated geometry *\/\r\n.hero-geo{position:absolute;inset:0;pointer-events:none;overflow:hidden;}\r\n.geo-circle{position:absolute;border-radius:50%;border:1px solid rgba(201,168,76,.1);animation:geoRot 40s linear infinite;}\r\n.geo-circle:nth-child(1){width:min(600px,140vw);height:min(600px,140vw);top:-20%;right:-20%;animation-duration:44s;}\r\n.geo-circle:nth-child(2){width:min(380px,90vw);height:min(380px,90vw);top:-5%;right:5%;animation-duration:28s;animation-direction:reverse;}\r\n.geo-circle:nth-child(3){width:min(180px,50vw);height:min(180px,50vw);top:10%;right:20%;animation-duration:20s;}\r\n.geo-line{position:absolute;background:linear-gradient(90deg,transparent,rgba(201,168,76,.07),transparent);height:1px;left:0;right:0;}\r\n.geo-line:nth-child(4){top:30%;}\r\n.geo-line:nth-child(5){top:62%;}\r\n.geo-line:nth-child(6){top:84%;}\r\n@keyframes geoRot{to{transform:rotate(360deg);}}\r\n\r\n.hero-label{\r\n font-family:'Syne',sans-serif;font-size:10px;font-weight:700;\r\n letter-spacing:.2em;text-transform:uppercase;color:var(--gold2);\r\n margin-bottom:20px;display:flex;align-items:center;gap:12px;\r\n opacity:0;animation:fiu .8s .2s cubic-bezier(.16,1,.3,1) forwards;\r\n}\r\n.hero-label::before{content:'';width:28px;height:1px;background:var(--gold);}\r\n\r\nh1{\r\n font-family:'Philosopher',serif;\r\n font-size:clamp(44px,13vw,110px);\r\n font-weight:700;line-height:.93;\r\n letter-spacing:-.03em;color:var(--ink);\r\n margin-bottom:28px;\r\n opacity:0;animation:fiu .9s .35s cubic-bezier(.16,1,.3,1) forwards;\r\n}\r\nh1 em{font-style:italic;color:var(--gold2);}\r\n\r\n.hero-meta{\r\n display:flex;flex-direction:column;gap:20px;\r\n opacity:0;animation:fiu .9s .5s cubic-bezier(.16,1,.3,1) forwards;\r\n}\r\n.hero-desc{font-size:17px;color:var(--muted);line-height:1.7;max-width:480px;}\r\n.hero-stats{display:flex;gap:32px;flex-wrap:wrap;}\r\n.stat-num{font-family:'Syne',sans-serif;font-weight:800;font-size:24px;color:var(--ink);display:block;line-height:1;}\r\n.stat-lbl{font-family:'Syne',sans-serif;font-size:9px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);}\r\n\r\n.scroll-hint{\r\n display:flex;flex-direction:column;align-items:center;gap:8px;\r\n margin-top:40px;\r\n opacity:0;animation:fiu .8s .9s forwards;\r\n}\r\n.scroll-hint span{font-family:'Syne',sans-serif;font-size:9px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);}\r\n.scroll-line{width:1px;height:36px;background:linear-gradient(180deg,var(--gold),transparent);animation:sp 2s infinite;}\r\n@keyframes sp{0%,100%{opacity:.3}50%{opacity:1}}\r\n@keyframes fiu{from{opacity:0;transform:translateY(28px)}to{opacity:1;transform:none}}\r\n\r\n@media(min-width:640px){\r\n .hero{padding:80px 48px 80px;}\r\n .hero-meta{flex-direction:row;align-items:flex-end;justify-content:space-between;}\r\n .hero-stats{gap:48px;}\r\n}\r\n<\/style>\r\n<\/head>\r\n<body>\r\n<div class=\"hero\">\r\n <div class=\"hero-geo\">\r\n <div class=\"geo-circle\"><\/div>\r\n <div class=\"geo-circle\"><\/div>\r\n <div class=\"geo-circle\"><\/div>\r\n <div class=\"geo-line\"><\/div>\r\n <div class=\"geo-line\"><\/div>\r\n <div class=\"geo-line\"><\/div>\r\n <\/div>\r\n\r\n <div class=\"hero-label\">Claims Support \u00b7 Mutual Life Africa<\/div>\r\n\r\n <h1>We're Here<br>When It<br><em>Matters Most<\/em><\/h1>\r\n\r\n <div class=\"hero-meta\">\r\n <p class=\"hero-desc\">When the time comes to make a claim, our process is designed to be clear, compassionate, and efficient. Everything you need is on this page.<\/p>\r\n <div class=\"hero-stats\">\r\n <div>\r\n <span class=\"stat-num\">30 min<\/span>\r\n <span class=\"stat-lbl\">Acknowledged<\/span>\r\n <\/div>\r\n <div>\r\n <span class=\"stat-num\">48 hrs<\/span>\r\n <span class=\"stat-lbl\">Full Resolution<\/span>\r\n <\/div>\r\n <div>\r\n <span class=\"stat-num\">24\/7<\/span>\r\n <span class=\"stat-lbl\">Support<\/span>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"scroll-hint\">\r\n <span>Scroll<\/span>\r\n <div class=\"scroll-line\"><\/div>\r\n <\/div>\r\n<\/div>\r\n<\/body>\r\n<\/html>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-83039fa e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"83039fa\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{"background_background":"classic"}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0ae4366 elementor-widget elementor-widget-html\" data-id=\"0ae4366\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!DOCTYPE html>\r\n<html lang=\"en\">\r\n<head>\r\n<meta charset=\"UTF-8\">\r\n<meta name=\"viewport\" content=\"width=device-width, initial-scale=1.0\">\r\n<title>Claims Timeline \u2014 Mutual Life Africa<\/title>\r\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\r\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Syne:wght@400;600;700;800&family=Philosopher:ital,wght@0,400;0,700;1,400;1,700&display=swap\" rel=\"stylesheet\">\r\n<style>\r\n:root{--white:#ffffff;--off:#f7f6f2;--ink:#0a0a0a;--muted:#6b6b6b;--light:#e8e4dc;--gold:#C9A84C;--gold2:#b8922e;--navy:#0D1454;--border:rgba(0,0,0,.08);}\r\n*,*::before,*::after{box-sizing:border-box;margin:0;padding:0;}\r\nbody{background:var(--white);color:var(--ink);font-family:'Philosopher',serif;-webkit-font-smoothing:antialiased;}\r\n\r\n.widget{padding:56px 24px;}\r\n\r\n.reveal{opacity:0;transform:translateY(30px);transition:opacity .8s cubic-bezier(.16,1,.3,1),transform .8s cubic-bezier(.16,1,.3,1);}\r\n.reveal.visible{opacity:1;transform:none;}\r\n\r\n.sec-label{font-family:'Syne',sans-serif;font-size:10px;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--gold2);display:flex;align-items:center;gap:12px;margin-bottom:14px;}\r\n.sec-label::before{content:'';width:24px;height:1px;background:var(--gold);}\r\n.sec-title{font-family:'Philosopher',serif;font-weight:700;font-size:clamp(28px,7vw,46px);line-height:1.05;letter-spacing:-.02em;color:var(--ink);margin-bottom:12px;}\r\n.sec-title em{font-style:italic;color:var(--gold2);}\r\n.sec-body{font-size:16px;color:var(--muted);line-height:1.75;margin-bottom:36px;max-width:520px;}\r\n\r\n\/* Vertical mobile-first timeline *\/\r\n.tl-list{display:flex;flex-direction:column;position:relative;}\r\n.tl-list::before{\r\n content:'';position:absolute;left:19px;top:10px;bottom:10px;\r\n width:1px;background:linear-gradient(180deg,var(--gold),rgba(201,168,76,.1));\r\n}\r\n\r\n.tl-item{\r\n 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8px 0;}\r\n .tl-body{padding-top:12px;}\r\n .tl-desc{display:none;}\r\n}\r\n<\/style>\r\n<\/head>\r\n<body>\r\n<div class=\"widget\">\r\n <div class=\"reveal\">\r\n <div class=\"sec-label\">Timeline at a Glance<\/div>\r\n <div class=\"sec-title\">Resolved Within<br><em>48 Hours<\/em><\/div>\r\n <p class=\"sec-body\">From the moment you submit your claim, our team moves with urgency. Here is exactly what happens and when.<\/p>\r\n <\/div>\r\n\r\n <div class=\"tl-list\">\r\n\r\n <div class=\"tl-item reveal\" style=\"transition-delay:.05s\">\r\n <div class=\"tl-dot\">01<\/div>\r\n <div class=\"tl-body\">\r\n <div class=\"tl-step\">Step 01<\/div>\r\n <div class=\"tl-time\">Instant<\/div>\r\n <div class=\"tl-name\">Claim Submitted<\/div>\r\n <div class=\"tl-desc\">Your claim is logged and you receive an automated confirmation with your unique reference number immediately.<\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"tl-item reveal\" style=\"transition-delay:.1s\">\r\n <div class=\"tl-dot\">02<\/div>\r\n <div class=\"tl-body\">\r\n <div class=\"tl-step\">Step 02<\/div>\r\n <div class=\"tl-time\">30 min<\/div>\r\n <div class=\"tl-name\">Acknowledged<\/div>\r\n <div class=\"tl-desc\">A claims team member personally acknowledges your submission and confirms all documents received.<\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"tl-item reveal\" style=\"transition-delay:.15s\">\r\n <div class=\"tl-dot\">03<\/div>\r\n <div class=\"tl-body\">\r\n <div class=\"tl-step\">Step 03<\/div>\r\n <div class=\"tl-time\">3 hrs<\/div>\r\n <div class=\"tl-name\">Assessment<\/div>\r\n <div class=\"tl-desc\">Our assessors review all documents, verify the policy, and check that the event is covered under your policy terms.<\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"tl-item reveal\" style=\"transition-delay:.2s\">\r\n <div class=\"tl-dot\">04<\/div>\r\n <div class=\"tl-body\">\r\n <div class=\"tl-step\">Step 04<\/div>\r\n <div class=\"tl-time\">6 hrs<\/div>\r\n <div class=\"tl-name\">Review<\/div>\r\n <div class=\"tl-desc\">Senior review of the assessment finding and internal sign-off before a decision is communicated to you.<\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"tl-item reveal\" style=\"transition-delay:.25s\">\r\n <div class=\"tl-dot\">05<\/div>\r\n <div class=\"tl-body\">\r\n <div class=\"tl-step\">Step 05<\/div>\r\n <div class=\"tl-time\">12 hrs<\/div>\r\n <div class=\"tl-name\">Verification<\/div>\r\n <div class=\"tl-desc\">Final compliance and identity verification completed. Banking details confirmed for payout.<\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"tl-item reveal\" style=\"transition-delay:.3s\">\r\n <div class=\"tl-dot\">06<\/div>\r\n <div class=\"tl-body\">\r\n <div class=\"tl-step\">Step 06<\/div>\r\n <div class=\"tl-time\">48 hrs<\/div>\r\n <div class=\"tl-name\">Payout<\/div>\r\n <div class=\"tl-desc\">Approved claims are paid directly to the account provided, in your policy currency \u2014 USD, GBP, EUR or ZAR.<\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <\/div>\r\n<\/div>\r\n\r\n<script>\r\nvar obs=new IntersectionObserver(function(e){e.forEach(function(x){if(x.isIntersecting){x.target.classList.add('visible');obs.unobserve(x.target);}});},{threshold:.1,rootMargin:'0px 0px -30px 0px'});\r\ndocument.querySelectorAll('.reveal').forEach(function(el){obs.observe(el);});\r\n<\/script>\r\n<\/body>\r\n<\/html>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-73b6d4b e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"73b6d4b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5ae6cc5 elementor-widget elementor-widget-html\" data-id=\"5ae6cc5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\r\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Syne:wght@400;600;700;800&family=Philosopher:ital,wght@0,400;0,700;1,400;1,700&display=swap\" rel=\"stylesheet\">\r\n<style>\r\n:root{--white:#ffffff;--off:#f7f6f2;--ink:#0a0a0a;--muted:#6b6b6b;--light:#e8e4dc;--gold:#C9A84C;--gold2:#b8922e;--border:rgba(0,0,0,.08);--green:#2e7d5e;}\r\n*,*::before,*::after{box-sizing:border-box;margin:0;padding:0;}\r\n.widget{background:var(--white);padding:48px 20px;font-family:'Philosopher',serif;-webkit-font-smoothing:antialiased;}\r\n.reveal{opacity:0;transform:translateY(24px);transition:opacity .7s cubic-bezier(.16,1,.3,1),transform .7s cubic-bezier(.16,1,.3,1);}\r\n.reveal.visible{opacity:1;transform:none;}\r\n.sec-label{font-family:'Syne',sans-serif;font-size:10px;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--gold2);display:flex;align-items:center;gap:10px;margin-bottom:12px;}\r\n.sec-label::before{content:'';width:20px;height:1px;background:var(--gold);}\r\n.sec-title{font-family:'Philosopher',serif;font-weight:700;font-size:clamp(24px,5vw,42px);line-height:1.1;letter-spacing:-.02em;color:var(--ink);margin-bottom:10px;}\r\n.sec-title em{font-style:italic;color:var(--gold2);}\r\n.sec-body{font-size:15px;color:var(--muted);line-height:1.75;margin-bottom:32px;max-width:520px;}\r\n.cards{display:flex;flex-direction:column;gap:2px;background:var(--border);border:1px solid var(--border);border-radius:16px;overflow:hidden;}\r\n.card{background:var(--white);padding:22px 18px;position:relative;transition:background .3s;}\r\n.card:hover{background:var(--off);}\r\n.card-num{font-family:'Syne',sans-serif;font-weight:800;font-size:28px;color:var(--light);line-height:1;letter-spacing:-.03em;margin-bottom:8px;transition:color .3s;}\r\n.card:hover .card-num{color:rgba(0,0,0,.12);}\r\n.card-tag{margin-bottom:8px;}\r\n.tag{font-family:'Syne',sans-serif;font-size:9px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;padding:4px 10px;border-radius:20px;white-space:nowrap;display:inline-block;}\r\n.tag-instant{background:rgba(46,125,94,.08);color:var(--green);border:1px solid rgba(46,125,94,.15);}\r\n.tag-days{background:rgba(201,168,76,.08);color:var(--gold2);border:1px solid rgba(201,168,76,.2);}\r\n.tag-action{background:rgba(0,0,0,.04);color:var(--muted);border:1px solid var(--border);}\r\n.card-title{font-family:'Philosopher',serif;font-weight:700;font-size:17px;color:var(--ink);line-height:1.25;margin-bottom:10px;}\r\n.card-desc{font-size:14px;color:var(--muted);line-height:1.8;}\r\n.card-accent{position:absolute;bottom:0;left:0;right:0;height:2px;background:linear-gradient(90deg,var(--gold),transparent);transform:scaleX(0);transform-origin:left;transition:transform .4s cubic-bezier(.16,1,.3,1);}\r\n.card:hover .card-accent{transform:scaleX(1);}\r\n@media(min-width:700px){\r\n .widget{padding:72px 48px;}\r\n .cards{display:grid;grid-template-columns:1fr 1fr;}\r\n .card{padding:28px 24px;}\r\n .card-num{font-size:40px;margin-bottom:10px;}\r\n .card-title{font-size:19px;}\r\n .card-desc{font-size:15px;}\r\n}\r\n<\/style>\r\n\r\n<div class=\"widget\">\r\n\r\n <div class=\"reveal\">\r\n <div class=\"sec-label\">Step by Step<\/div>\r\n <div class=\"sec-title\">The Claims<br><em>Process<\/em><\/div>\r\n <p class=\"sec-body\">Follow these six steps to submit a complete claim and avoid delays. Every claim is reviewed personally by our team.<\/p>\r\n <\/div>\r\n\r\n <div class=\"cards\">\r\n\r\n <div class=\"card reveal\" style=\"transition-delay:.05s\">\r\n <div class=\"card-num\">01<\/div>\r\n <div class=\"card-tag\"><span class=\"tag tag-action\">Within 30 days<\/span><\/div>\r\n <div class=\"card-title\">Notify Us Immediately<\/div>\r\n <p class=\"card-desc\">As soon as a claimable event occurs, contact Mutual Life Africa as soon as reasonably possible. Email <strong>claims@mutuallife.africa<\/strong> or call +1 667 317 7991. Early notification helps us guide you and prevent delays.<\/p>\r\n <div class=\"card-accent\"><\/div>\r\n <\/div>\r\n\r\n <div class=\"card reveal\" style=\"transition-delay:.1s\">\r\n <div class=\"card-num\">02<\/div>\r\n <div class=\"card-tag\"><span class=\"tag tag-action\">Before you start<\/span><\/div>\r\n <div class=\"card-title\">Gather Your Documents<\/div>\r\n <p class=\"card-desc\">Collect all required documents before starting \u2014 death certificate, ID documents for the deceased and claimant, proof of banking, and any medical or police reports where applicable.<\/p>\r\n <div class=\"card-accent\"><\/div>\r\n <\/div>\r\n\r\n <div class=\"card reveal\" style=\"transition-delay:.15s\">\r\n <div class=\"card-num\">03<\/div>\r\n <div class=\"card-tag\"><span class=\"tag tag-instant\">Instant confirmation<\/span><\/div>\r\n <div class=\"card-title\">Complete the Claim Form<\/div>\r\n <p class=\"card-desc\">Complete the secure online claim form using the policyholder's ID or passport number. The guided form covers all sections in one submission \u2014 policy details, cause of death, beneficiary, banking, and supporting documents.<\/p>\r\n <div class=\"card-accent\"><\/div>\r\n <\/div>\r\n\r\n <div class=\"card reveal\" style=\"transition-delay:.2s\">\r\n <div class=\"card-num\">04<\/div>\r\n <div class=\"card-tag\"><span class=\"tag tag-days\">Within 30 minutes<\/span><\/div>\r\n <div class=\"card-title\">Claim Acknowledged<\/div>\r\n <p class=\"card-desc\">You will receive an automated confirmation with a unique claim reference immediately after submission. Our team will personally acknowledge receipt within 30 minutes during business hours and flag any outstanding items.<\/p>\r\n <div class=\"card-accent\"><\/div>\r\n <\/div>\r\n\r\n <div class=\"card reveal\" style=\"transition-delay:.25s\">\r\n <div class=\"card-num\">05<\/div>\r\n <div class=\"card-tag\"><span class=\"tag tag-days\">3\u201312 hours<\/span><\/div>\r\n <div class=\"card-title\">Assessment & Verification<\/div>\r\n <p class=\"card-desc\">Our assessors review all documents, verify policy status, confirm premiums were up to date, and validate that the event is covered. Initial assessment takes around 3 hours, with senior review and compliance check completing within 12 hours.<\/p>\r\n <div class=\"card-accent\"><\/div>\r\n <\/div>\r\n\r\n <div class=\"card reveal\" style=\"transition-delay:.3s\">\r\n <div class=\"card-num\">06<\/div>\r\n <div class=\"card-tag\"><span class=\"tag tag-days\">Within 48 hours<\/span><\/div>\r\n <div class=\"card-title\">Decision & Payout<\/div>\r\n <p class=\"card-desc\">You will be notified of the outcome by email. Approved claims are paid directly to the banking account provided within 48 hours in your policy currency. Transfers to cross-border beneficiaries may be subject to applicable banking fees.<\/p>\r\n <div class=\"card-accent\"><\/div>\r\n <\/div>\r\n\r\n <\/div>\r\n<\/div>\r\n\r\n<script>\r\nvar obs=new IntersectionObserver(function(e){e.forEach(function(x){if(x.isIntersecting){x.target.classList.add('visible');obs.unobserve(x.target);}});},{threshold:.08,rootMargin:'0px 0px -30px 0px'});\r\ndocument.querySelectorAll('.reveal').forEach(function(el){obs.observe(el);});\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3f96896 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"3f96896\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{"background_background":"classic"}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-18ed538 elementor-widget elementor-widget-html\" data-id=\"18ed538\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!DOCTYPE html>\r\n<html lang=\"en\">\r\n<head>\r\n<meta charset=\"UTF-8\">\r\n<meta name=\"viewport\" content=\"width=device-width, initial-scale=1.0\">\r\n<title>Claims Documents \u2014 Mutual Life Africa<\/title>\r\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\r\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Syne:wght@400;600;700;800&family=Philosopher:ital,wght@0,400;0,700;1,400;1,700&display=swap\" rel=\"stylesheet\">\r\n<style>\r\n:root{--white:#ffffff;--off:#f7f6f2;--ink:#0a0a0a;--muted:#6b6b6b;--light:#e8e4dc;--gold:#C9A84C;--gold2:#b8922e;--red:#c0392b;--border:rgba(0,0,0,.08);}\r\n*,*::before,*::after{box-sizing:border-box;margin:0;padding:0;}\r\nbody{background:var(--white);color:var(--ink);font-family:'Philosopher',serif;-webkit-font-smoothing:antialiased;}\r\n\r\n.widget{padding:56px 24px;}\r\n\r\n.reveal{opacity:0;transform:translateY(30px);transition:opacity .8s cubic-bezier(.16,1,.3,1),transform .8s cubic-bezier(.16,1,.3,1);}\r\n.reveal-right{opacity:0;transform:translateX(30px);transition:opacity .8s cubic-bezier(.16,1,.3,1),transform .8s cubic-bezier(.16,1,.3,1);}\r\n.reveal.visible,.reveal-right.visible{opacity:1;transform:none;}\r\n\r\n.sec-label{font-family:'Syne',sans-serif;font-size:10px;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--gold2);display:flex;align-items:center;gap:12px;margin-bottom:14px;}\r\n.sec-label::before{content:'';width:24px;height:1px;background:var(--gold);}\r\n.sec-title{font-family:'Philosopher',serif;font-weight:700;font-size:clamp(28px,7vw,46px);line-height:1.05;letter-spacing:-.02em;color:var(--ink);margin-bottom:12px;}\r\n.sec-title em{font-style:italic;color:var(--gold2);}\r\n.sec-body{font-size:16px;color:var(--muted);line-height:1.75;margin-bottom:36px;max-width:520px;}\r\n\r\n\/* Doc rows *\/\r\n.doc-list{display:flex;flex-direction:column;}\r\n.doc-row{\r\n display:flex;gap:16px;align-items:flex-start;\r\n padding:18px 0;border-bottom:1px solid var(--border);\r\n transition:padding-left .25s;\r\n}\r\n.doc-row:first-child{border-top:1px solid var(--border);}\r\n.doc-row:hover{padding-left:6px;}\r\n.doc-num{font-family:'Syne',sans-serif;font-weight:800;font-size:11px;color:var(--light);flex-shrink:0;width:22px;padding-top:3px;transition:color .25s;}\r\n.doc-row:hover .doc-num{color:var(--gold2);}\r\n.doc-name{font-family:'Philosopher',serif;font-weight:700;font-size:17px;color:var(--ink);margin-bottom:3px;}\r\n.doc-desc{font-size:14px;color:var(--muted);line-height:1.6;margin-bottom:6px;}\r\n.pill{display:inline-flex;align-items:center;font-family:'Syne',sans-serif;font-size:9px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;padding:3px 10px;border-radius:20px;}\r\n.pill-req{background:rgba(192,57,43,.06);color:var(--red);border:1px solid rgba(192,57,43,.15);}\r\n.pill-cond{background:rgba(201,168,76,.07);color:var(--gold2);border:1px solid rgba(201,168,76,.18);}\r\n\r\n\/* Info panels *\/\r\n.info-panels{display:flex;flex-direction:column;gap:14px;margin-top:32px;}\r\n\r\n.info-note{\r\n background:var(--off);border-left:3px solid var(--gold);\r\n border-radius:0 12px 12px 0;padding:22px 20px;\r\n}\r\n.info-note-title{font-family:'Syne',sans-serif;font-weight:700;font-size:10px;letter-spacing:.1em;text-transform:uppercase;color:var(--gold2);margin-bottom:10px;}\r\n.info-note p{font-size:14px;color:var(--muted);line-height:1.7;margin-bottom:10px;}\r\n.info-note p:last-child{margin-bottom:0;}\r\n.info-note strong{color:var(--ink);}\r\n\r\n.specs{background:var(--off);border-radius:12px;padding:20px;}\r\n.specs-title{font-family:'Syne',sans-serif;font-size:10px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin-bottom:14px;}\r\n.spec-row{display:flex;justify-content:space-between;align-items:center;font-size:14px;padding:8px 0;border-bottom:1px solid var(--border);}\r\n.spec-row:last-child{border-bottom:none;}\r\n.spec-lbl{color:var(--muted);}\r\n.spec-val{font-family:'Syne',sans-serif;font-weight:700;font-size:12px;color:var(--ink);}\r\n\r\n@media(min-width:800px){\r\n .widget{padding:72px 48px;}\r\n .layout{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:start;}\r\n .info-panels{margin-top:0;}\r\n}\r\n<\/style>\r\n<\/head>\r\n<body>\r\n<div class=\"widget\">\r\n <div class=\"reveal\">\r\n <div class=\"sec-label\">Document Checklist<\/div>\r\n <div class=\"sec-title\">What You'll<br><em>Need<\/em><\/div>\r\n <p class=\"sec-body\">All documents must be clear and legible. Certified copies are preferred. Files must be PDF, JPG or PNG, max 10MB each.<\/p>\r\n <\/div>\r\n\r\n <div class=\"layout\">\r\n <div class=\"doc-list\">\r\n\r\n <div class=\"doc-row reveal\" style=\"transition-delay:.05s\">\r\n <span class=\"doc-num\">01<\/span>\r\n <div>\r\n <div class=\"doc-name\">Death Certificate<\/div>\r\n <div class=\"doc-desc\">Official death certificate issued by the relevant government authority in the country of death.<\/div>\r\n <span class=\"pill pill-req\">Required<\/span>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"doc-row reveal\" style=\"transition-delay:.1s\">\r\n <span class=\"doc-num\">02<\/span>\r\n <div>\r\n <div class=\"doc-name\">Deceased ID \/ Passport<\/div>\r\n <div class=\"doc-desc\">Copy of the deceased person's national identity document or valid passport.<\/div>\r\n <span class=\"pill pill-req\">Required<\/span>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"doc-row reveal\" style=\"transition-delay:.15s\">\r\n <span class=\"doc-num\">03<\/span>\r\n <div>\r\n <div class=\"doc-name\">Claimant ID \/ Passport<\/div>\r\n <div class=\"doc-desc\">Copy of the claimant's (beneficiary's) national identity document or valid passport.<\/div>\r\n <span class=\"pill pill-req\">Required<\/span>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"doc-row reveal\" style=\"transition-delay:.2s\">\r\n <span class=\"doc-num\">04<\/span>\r\n <div>\r\n <div class=\"doc-name\">Proof of Banking<\/div>\r\n <div class=\"doc-desc\">Recent bank statement or official bank letter confirming account holder name, bank name, and account number.<\/div>\r\n <span class=\"pill pill-req\">Required<\/span>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"doc-row reveal\" style=\"transition-delay:.25s\">\r\n <span class=\"doc-num\">05<\/span>\r\n <div>\r\n <div class=\"doc-name\">Medical Report<\/div>\r\n <div class=\"doc-desc\">Doctor's report or hospital records. Required where cause of death is illness or a medical condition.<\/div>\r\n <span class=\"pill pill-cond\">Conditional<\/span>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"doc-row reveal\" style=\"transition-delay:.3s\">\r\n <span class=\"doc-num\">06<\/span>\r\n <div>\r\n <div class=\"doc-name\">Police Report<\/div>\r\n <div class=\"doc-desc\">Required if the death was accidental, violent, or is under police investigation.<\/div>\r\n <span class=\"pill pill-cond\">Conditional<\/span>\r\n <\/div>\r\n <\/div>\r\n\r\n <\/div>\r\n\r\n <div class=\"info-panels reveal-right\" style=\"transition-delay:.15s\">\r\n <div class=\"info-note\">\r\n <div class=\"info-note-title\">Important Note<\/div>\r\n <p>Incomplete or unclear documents are the most common cause of claim delays. Ensure all documents are fully legible and correctly certified before uploading.<\/p>\r\n <p>If you are missing a document, your claim will still be logged. Email outstanding documents to <strong>claims@mutuallife.africa<\/strong> with your claim reference number.<\/p>\r\n <p>Documents in another language require an <strong>official English translation<\/strong>.<\/p>\r\n <\/div>\r\n\r\n <div class=\"specs\">\r\n <div class=\"specs-title\">File Requirements<\/div>\r\n <div class=\"spec-row\"><span class=\"spec-lbl\">Accepted formats<\/span><span class=\"spec-val\">PDF \u00b7 JPG \u00b7 PNG<\/span><\/div>\r\n <div class=\"spec-row\"><span class=\"spec-lbl\">Max file size<\/span><span class=\"spec-val\">10 MB per file<\/span><\/div>\r\n <div class=\"spec-row\"><span class=\"spec-lbl\">Certification<\/span><span class=\"spec-val\">Certified preferred<\/span><\/div>\r\n <div class=\"spec-row\"><span class=\"spec-lbl\">Language<\/span><span class=\"spec-val\">English only<\/span><\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n<\/div>\r\n\r\n<script>\r\nvar obs=new IntersectionObserver(function(e){e.forEach(function(x){if(x.isIntersecting){x.target.classList.add('visible');obs.unobserve(x.target);}});},{threshold:.08,rootMargin:'0px 0px -30px 0px'});\r\ndocument.querySelectorAll('.reveal,.reveal-right').forEach(function(el){obs.observe(el);});\r\n<\/script>\r\n<\/body>\r\n<\/html>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2f53e91 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"2f53e91\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{"background_background":"classic"}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1258c2f elementor-widget elementor-widget-html\" data-id=\"1258c2f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!DOCTYPE html>\r\n<html lang=\"en\">\r\n<head>\r\n<meta charset=\"UTF-8\">\r\n<meta name=\"viewport\" content=\"width=device-width, initial-scale=1.0\">\r\n<title>Claims Exclusions \u2014 Mutual Life Africa<\/title>\r\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\r\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Syne:wght@400;600;700;800&family=Philosopher:ital,wght@0,400;0,700;1,400;1,700&display=swap\" rel=\"stylesheet\">\r\n<style>\r\n:root{--white:#ffffff;--off:#f7f6f2;--ink:#0a0a0a;--muted:#6b6b6b;--gold:#C9A84C;--gold2:#b8922e;--red:#c0392b;--border:rgba(0,0,0,.08);}\r\n*,*::before,*::after{box-sizing:border-box;margin:0;padding:0;}\r\nbody{background:var(--white);color:var(--ink);font-family:'Philosopher',serif;-webkit-font-smoothing:antialiased;}\r\n\r\n.widget{padding:56px 24px;}\r\n\r\n.reveal{opacity:0;transform:translateY(30px);transition:opacity .8s cubic-bezier(.16,1,.3,1),transform .8s cubic-bezier(.16,1,.3,1);}\r\n.reveal.visible{opacity:1;transform:none;}\r\n\r\n.sec-label{font-family:'Syne',sans-serif;font-size:10px;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--gold2);display:flex;align-items:center;gap:12px;margin-bottom:14px;}\r\n.sec-label::before{content:'';width:24px;height:1px;background:var(--gold);}\r\n.sec-title{font-family:'Philosopher',serif;font-weight:700;font-size:clamp(28px,7vw,46px);line-height:1.05;letter-spacing:-.02em;color:var(--ink);margin-bottom:12px;}\r\n.sec-title em{font-style:italic;color:var(--gold2);}\r\n.sec-body{font-size:16px;color:var(--muted);line-height:1.75;margin-bottom:36px;max-width:520px;}\r\n\r\n.grid{display:flex;flex-direction:column;gap:12px;}\r\n\r\n.excl-card{\r\n border:1px solid var(--border);border-radius:16px;padding:24px 20px;\r\n position:relative;overflow:hidden;\r\n transition:border-color .3s,transform .3s;background:var(--white);\r\n}\r\n.excl-card:hover{border-color:rgba(192,57,43,.2);transform:translateY(-2px);}\r\n.excl-card::before{\r\n content:'';position:absolute;top:0;left:0;right:0;height:2px;\r\n background:linear-gradient(90deg,var(--red),transparent);\r\n opacity:0;transition:opacity .3s;\r\n}\r\n.excl-card:hover::before{opacity:1;}\r\n\r\n.excl-top{display:flex;align-items:center;gap:12px;margin-bottom:10px;}\r\n.excl-icon{font-size:22px;flex-shrink:0;}\r\n.excl-title{font-family:'Philosopher',serif;font-weight:700;font-size:18px;color:var(--ink);}\r\n.excl-desc{font-size:14px;color:var(--muted);line-height:1.65;}\r\n\r\n@media(min-width:600px){\r\n .widget{padding:72px 48px;}\r\n .grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;}\r\n}\r\n@media(min-width:1000px){\r\n .grid{grid-template-columns:1fr 1fr 1fr;}\r\n}\r\n<\/style>\r\n<\/head>\r\n<body>\r\n<div class=\"widget\">\r\n <div class=\"reveal\">\r\n <div class=\"sec-label\">Policy Exclusions<\/div>\r\n <div class=\"sec-title\">What Is<br><em>Not Covered<\/em><\/div>\r\n <p class=\"sec-body\">The following circumstances may result in a claim being declined. Please review your full policy documents for the complete exclusions schedule.<\/p>\r\n <\/div>\r\n\r\n <div class=\"grid\">\r\n\r\n <div class=\"excl-card reveal\" style=\"transition-delay:.05s\">\r\n <div class=\"excl-top\"><span class=\"excl-icon\">\u23f3<\/span><div class=\"excl-title\">Waiting Period<\/div><\/div>\r\n <p class=\"excl-desc\">Claims for events occurring within the first 6 months of the policy start date may not be eligible, unless the cause of death is accidental.<\/p>\r\n <\/div>\r\n\r\n <div class=\"excl-card reveal\" style=\"transition-delay:.1s\">\r\n <div class=\"excl-top\"><span class=\"excl-icon\">\ud83d\udc8a<\/span><div class=\"excl-title\">Pre-existing Conditions<\/div><\/div>\r\n <p class=\"excl-desc\">Deaths directly caused by conditions that existed before or at the time the policy was issued and were not disclosed during underwriting.<\/p>\r\n <\/div>\r\n\r\n <div class=\"excl-card reveal\" style=\"transition-delay:.15s\">\r\n <div class=\"excl-top\"><span class=\"excl-icon\">\ud83d\udcb8<\/span><div class=\"excl-title\">Lapsed Policies<\/div><\/div>\r\n <p class=\"excl-desc\">Policies that were not active at the time of the event due to non-payment of premiums are not eligible for a payout.<\/p>\r\n <\/div>\r\n\r\n <div class=\"excl-card reveal\" style=\"transition-delay:.2s\">\r\n <div class=\"excl-top\"><span class=\"excl-icon\">\ud83d\udeab<\/span><div class=\"excl-title\">Fraudulent Claims<\/div><\/div>\r\n <p class=\"excl-desc\">Any claim containing false, misleading, or fraudulent information will be rejected and may be referred to relevant authorities.<\/p>\r\n <\/div>\r\n\r\n <div class=\"excl-card reveal\" style=\"transition-delay:.25s\">\r\n <div class=\"excl-top\"><span class=\"excl-icon\">\u26a0\ufe0f<\/span><div class=\"excl-title\">Self-inflicted Events<\/div><\/div>\r\n <p class=\"excl-desc\">Deaths resulting from self-inflicted injury or suicide within the first 24 months of the policy are excluded under standard terms.<\/p>\r\n <\/div>\r\n\r\n <div class=\"excl-card reveal\" style=\"transition-delay:.3s\">\r\n <div class=\"excl-top\"><span class=\"excl-icon\">\u2694\ufe0f<\/span><div class=\"excl-title\">War & Civil Unrest<\/div><\/div>\r\n <p class=\"excl-desc\">Deaths occurring as a direct result of war, invasion, civil war, rebellion, or participation in military or paramilitary activity.<\/p>\r\n <\/div>\r\n\r\n <\/div>\r\n<\/div>\r\n\r\n<script>\r\nvar obs=new IntersectionObserver(function(e){e.forEach(function(x){if(x.isIntersecting){x.target.classList.add('visible');obs.unobserve(x.target);}});},{threshold:.08,rootMargin:'0px 0px -30px 0px'});\r\ndocument.querySelectorAll('.reveal').forEach(function(el){obs.observe(el);});\r\n<\/script>\r\n<\/body>\r\n<\/html>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b26f0ec e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"b26f0ec\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{"background_background":"classic"}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5dad221 elementor-widget elementor-widget-html\" data-id=\"5dad221\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!DOCTYPE html>\r\n<html lang=\"en\">\r\n<head>\r\n<meta charset=\"UTF-8\">\r\n<meta name=\"viewport\" content=\"width=device-width, initial-scale=1.0\">\r\n<title>Claims FAQ \u2014 Mutual Life Africa<\/title>\r\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\r\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Syne:wght@400;600;700;800&family=Philosopher:ital,wght@0,400;0,700;1,400;1,700&display=swap\" rel=\"stylesheet\">\r\n<style>\r\n:root{--white:#ffffff;--off:#f7f6f2;--ink:#0a0a0a;--muted:#6b6b6b;--gold:#C9A84C;--gold2:#b8922e;--border:rgba(0,0,0,.08);}\r\n*,*::before,*::after{box-sizing:border-box;margin:0;padding:0;}\r\nbody{background:var(--white);color:var(--ink);font-family:'Philosopher',serif;-webkit-font-smoothing:antialiased;}\r\n\r\n.widget{padding:56px 24px;}\r\n\r\n.reveal{opacity:0;transform:translateY(30px);transition:opacity .8s cubic-bezier(.16,1,.3,1),transform .8s cubic-bezier(.16,1,.3,1);}\r\n.reveal.visible{opacity:1;transform:none;}\r\n\r\n.sec-label{font-family:'Syne',sans-serif;font-size:10px;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--gold2);display:flex;align-items:center;gap:12px;margin-bottom:14px;}\r\n.sec-label::before{content:'';width:24px;height:1px;background:var(--gold);}\r\n.sec-title{font-family:'Philosopher',serif;font-weight:700;font-size:clamp(28px,7vw,46px);line-height:1.05;letter-spacing:-.02em;color:var(--ink);margin-bottom:12px;}\r\n.sec-title em{font-style:italic;color:var(--gold2);}\r\n.sec-body{font-size:16px;color:var(--muted);line-height:1.75;margin-bottom:36px;max-width:520px;}\r\n\r\n.faq-list{display:flex;flex-direction:column;}\r\n\r\n.faq-item{border-bottom:1px solid var(--border);overflow:hidden;}\r\n.faq-item:first-child{border-top:1px solid var(--border);}\r\n\r\n.faq-btn{\r\n width:100%;text-align:left;background:none;border:none;\r\n padding:22px 0;cursor:pointer;\r\n 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1.6fr;gap:72px;align-items:start;}\r\n .header-col{position:sticky;top:32px;}\r\n .sec-body{margin-bottom:0;}\r\n}\r\n<\/style>\r\n<\/head>\r\n<body>\r\n<div class=\"widget\">\r\n <div class=\"layout\">\r\n <div class=\"header-col reveal\">\r\n <div class=\"sec-label\">Frequently Asked<\/div>\r\n <div class=\"sec-title\">Claims<br><em>FAQ<\/em><\/div>\r\n <p class=\"sec-body\">Answers to the most common questions about making a claim. Contact our team directly if your question is not answered here.<\/p>\r\n <\/div>\r\n\r\n <div class=\"faq-list reveal\" style=\"transition-delay:.1s\">\r\n\r\n <div class=\"faq-item\">\r\n <button class=\"faq-btn\" onclick=\"toggleFaq(this)\">Who can submit a claim?<span class=\"faq-icon\">+<\/span><\/button>\r\n <div class=\"faq-body\">A claim can be submitted by the policyholder, a named beneficiary, or a legal representative of the estate. The claimant must provide valid identity documents and proof of their relationship to the insured person.<\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <button class=\"faq-btn\" onclick=\"toggleFaq(this)\">How long does processing take?<span class=\"faq-icon\">+<\/span><\/button>\r\n <div class=\"faq-body\">We resolve all claims within 48 hours. Acknowledgement happens within 30 minutes, assessment within 3 hours, senior review within 6 hours, final verification within 12 hours, and payout is processed within 48 hours of submission.<\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <button class=\"faq-btn\" onclick=\"toggleFaq(this)\">In which currency will my payout be made?<span class=\"faq-icon\">+<\/span><\/button>\r\n <div class=\"faq-body\">Payouts are made in the currency of your policy \u2014 USD, GBP, EUR, or ZAR. International transfers may be subject to exchange rate variations and fees charged by the receiving bank. Mutual Life Africa is not responsible for third-party banking charges.<\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <button class=\"faq-btn\" onclick=\"toggleFaq(this)\">What if I'm missing a document?<span class=\"faq-icon\">+<\/span><\/button>\r\n <div class=\"faq-body\">Your claim will still be logged, but assessment cannot begin until all required documents are received. Our team will contact you with a list of outstanding items. Email missing documents to claims@mutuallife.africa quoting your claim reference number.<\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <button class=\"faq-btn\" onclick=\"toggleFaq(this)\">Can I check the status of my claim?<span class=\"faq-icon\">+<\/span><\/button>\r\n <div class=\"faq-body\">Yes. Email claims@mutuallife.africa with your claim reference number for a status update. You can also call our US\/International line on +1 667 317 7991 or our Africa support line on +27 87 265 8885 during business hours.<\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <button class=\"faq-btn\" onclick=\"toggleFaq(this)\">What if my claim is declined?<span class=\"faq-icon\">+<\/span><\/button>\r\n <div class=\"faq-body\">You will receive a written notice explaining the reason. You have the right to appeal within 30 days by submitting a written appeal with additional supporting evidence to claims@mutuallife.africa. All appeals are reviewed by a senior assessor independent of the original decision.<\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <button class=\"faq-btn\" onclick=\"toggleFaq(this)\">Is there a deadline to submit a claim?<span class=\"faq-icon\">+<\/span><\/button>\r\n <div class=\"faq-body\">Claims should be submitted no later than 12 months from the date of the insured event. Claims outside this window may be declined unless exceptional circumstances are supported by documentation.<\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <button class=\"faq-btn\" onclick=\"toggleFaq(this)\">The policyholder died abroad \u2014 does that affect my claim?<span class=\"faq-icon\">+<\/span><\/button>\r\n <div class=\"faq-body\">No. Mutual Life Africa covers policyholders globally. You will need a death certificate from the country where death occurred, translated into English if necessary. Our team can assist with cross-border documentation requirements.<\/div>\r\n <\/div>\r\n\r\n <\/div>\r\n <\/div>\r\n<\/div>\r\n\r\n<script>\r\nfunction toggleFaq(btn){\r\n var item=btn.closest('.faq-item');\r\n var open=item.classList.contains('open');\r\n document.querySelectorAll('.faq-item.open').forEach(function(el){el.classList.remove('open');});\r\n if(!open)item.classList.add('open');\r\n}\r\nvar obs=new IntersectionObserver(function(e){e.forEach(function(x){if(x.isIntersecting){x.target.classList.add('visible');obs.unobserve(x.target);}});},{threshold:.08,rootMargin:'0px 0px -30px 0px'});\r\ndocument.querySelectorAll('.reveal').forEach(function(el){obs.observe(el);});\r\n<\/script>\r\n<\/body>\r\n<\/html>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f7a2738 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"f7a2738\" 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.mca::before{content:'';position:absolute;top:0;left:15%;right:15%;height:1px;background:linear-gradient(90deg,transparent,#C9A84C,transparent)}\r\n#cl-app .sec-title{font-family:'Syne',sans-serif;font-size:10px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:#C9A84C;margin-bottom:18px !important;display:flex !important;align-items:center !important;gap:8px !important}\r\n#cl-app .sec-title::after{content:'';flex:1;height:1px;background:rgba(201,168,76,.18)}\r\n\r\n\/* Fields *\/\r\n#cl-app .mfi{margin-bottom:18px !important}\r\n#cl-app .mfi:last-child{margin-bottom:0 !important}\r\n#cl-app .mfi label{display:block;font-family:'Syne',sans-serif;font-size:10px;font-weight:700;letter-spacing:.09em;text-transform:uppercase;color:#C9A84C;margin-bottom:8px !important}\r\n#cl-app .mfi label span{color:#e05252;margin-left:2px}\r\n#cl-app .mfi input,#cl-app .mfi select,#cl-app .mfi textarea{width:100%;padding:14px 16px !important;background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.12);border-radius:12px;color:#fff;font-family:'Philosopher',serif;font-size:15px;outline:none;-webkit-appearance:none;display:block;line-height:1.4}\r\n#cl-app .mfi input::placeholder,#cl-app .mfi textarea::placeholder{color:rgba(255,255,255,.22)}\r\n#cl-app .mfi input:focus,#cl-app .mfi select:focus,#cl-app .mfi textarea:focus{border-color:#C9A84C;background:rgba(255,255,255,.08)}\r\n#cl-app .mfi select option{background:#0D1454;color:#fff}\r\n#cl-app .mfi textarea{resize:vertical;min-height:80px}\r\n#cl-app .mr2{display:grid;grid-template-columns:1fr 1fr;gap:14px !important}\r\n@media(max-width:400px){#cl-app .mr2{grid-template-columns:1fr}}\r\n\r\n\/* DOB *\/\r\n#cl-app .dob-wrap{display:grid !important;grid-template-columns:1fr 1fr 1.4fr !important;gap:8px !important}\r\n#cl-app .dob-sel{width:100% !important;padding:14px 10px !important;background:rgba(255,255,255,.05) !important;border:1px solid rgba(255,255,255,.12) !important;border-radius:12px 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.upload-item.uploading{border-color:#C9A84C;border-style:solid}\r\n#cl-app .upload-header{display:flex;align-items:center;justify-content:space-between;margin-bottom:10px !important}\r\n#cl-app .upload-icon{font-size:20px;margin-right:8px}\r\n#cl-app .upload-name{font-family:'Syne',sans-serif;font-size:13px;font-weight:700;color:#fff}\r\n#cl-app .upload-req{font-family:'Syne',sans-serif;font-size:10px;font-weight:600;color:#e05252;background:rgba(224,82,82,.1);border:1px solid rgba(224,82,82,.2);border-radius:6px;padding:2px 8px}\r\n#cl-app .upload-req.opt{color:#8892b0;background:rgba(255,255,255,.05);border-color:rgba(255,255,255,.08)}\r\n#cl-app .upload-sub{font-size:11px;color:#8892b0;margin-bottom:10px !important}\r\n#cl-app .upload-btn{width:100%;padding:12px;background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.1);border-radius:10px;color:#8892b0;font-family:'Syne',sans-serif;font-size:12px;font-weight:600;cursor:pointer;text-align:center;transition:all .2s}\r\n#cl-app .upload-btn:hover{background:rgba(201,168,76,.08);color:#C9A84C;border-color:rgba(201,168,76,.2)}\r\n#cl-app .upload-status{font-family:'Syne',sans-serif;font-size:12px;font-weight:600;margin-top:8px !important;display:none}\r\n#cl-app .upload-status.show{display:block}\r\n#cl-app .upload-status.ok{color:#4caf82}\r\n#cl-app .upload-status.err{color:#e05252}\r\n#cl-app .upload-status.progress{color:#C9A84C}\r\n#cl-app input[type=\"file\"]{display:none}\r\n\r\n\/* Ack *\/\r\n#cl-app .ack-wrap{background:rgba(201,168,76,.06);border:1px solid rgba(201,168,76,.2);border-radius:12px;padding:16px;margin-bottom:14px !important;display:flex;align-items:flex-start;gap:12px;cursor:pointer}\r\n#cl-app .ack-box{width:22px;height:22px;border:2px solid rgba(201,168,76,.4);border-radius:6px;flex-shrink:0;display:flex;align-items:center;justify-content:center;margin-top:1px;background:transparent;transition:all .2s}\r\n#cl-app .ack-box.checked{background:#C9A84C;border-color:#C9A84C}\r\n#cl-app .ack-text{font-size:13px;color:#8892b0;line-height:1.6}\r\n\r\n\/* Overlay *\/\r\n#cl-ov{display:none;position:fixed;inset:0;background:rgba(13,20,84,.94);backdrop-filter:blur(10px);z-index:9999;flex-direction:column;align-items:center;justify-content:center;gap:16px;text-align:center;padding:24px}\r\n#cl-ov.show{display:flex}\r\n#cl-app .msp{width:52px;height:52px;border:3px solid rgba(201,168,76,.2);border-top-color:#C9A84C;border-radius:50%;animation:clSpin .8s linear infinite}\r\n@keyframes clSpin{to{transform:rotate(360deg)}}\r\n#cl-app .ov-title{font-family:'Syne',sans-serif;font-weight:700;font-size:16px;color:#fff}\r\n#cl-app .ov-sub{font-size:13px;color:#8892b0;max-width:260px}\r\n#cl-app .ov-prog{width:260px;height:4px;background:rgba(255,255,255,.08);border-radius:4px;margin-top:4px;overflow:hidden}\r\n#cl-app .ov-prog-bar{height:100%;background:linear-gradient(90deg,#C9A84C,#e0c06a);border-radius:4px;width:0%;transition:width .4s}\r\n\r\n\/* Success *\/\r\n#cl-app #cl-ok{display:none;text-align:center;padding:48px 20px}\r\n#cl-app #cl-ok.show{display:block}\r\n#cl-app .ok-icon{width:80px;height:80px;border-radius:50%;background:rgba(76,175,130,.15);display:flex;align-items:center;justify-content:center;font-size:36px;margin:0 auto 24px}\r\n#cl-app .ok-title{font-family:'Syne',sans-serif;font-weight:800;font-size:24px;color:#fff;margin-bottom:12px;display:block}\r\n#cl-app .ok-sub{font-size:14px;color:#8892b0;line-height:1.7;margin-bottom:20px;display:block;max-width:340px;margin-left:auto;margin-right:auto}\r\n#cl-app .ok-ref{display:inline-block;font-family:'Syne',sans-serif;font-size:12px;font-weight:700;color:#C9A84C;letter-spacing:.05em;background:rgba(201,168,76,.08);border:1px solid rgba(201,168,76,.2);border-radius:8px;padding:10px 18px;margin-bottom:8px !important}\r\n\r\n\/* Identity card *\/\r\n#cl-app .ucard{background:rgba(255,255,255,.04);border:1px solid rgba(201,168,76,.25);border-radius:14px;padding:18px;margin-bottom:16px !important}\r\n#cl-app .ucard-row{display:flex;justify-content:space-between;align-items:center;padding:7px 0;font-size:13px;border-bottom:1px solid rgba(255,255,255,.05)}\r\n#cl-app .ucard-row:last-child{border-bottom:none}\r\n#cl-app .ucard-lbl{color:#8892b0;font-size:11px;font-family:'Syne',sans-serif;font-weight:600;text-transform:uppercase;letter-spacing:.06em}\r\n#cl-app .ucard-val{color:#fff;font-weight:600;text-align:right;max-width:65%}\r\n<\/style>\r\n\r\n<div id=\"cl-app\">\r\n <div class=\"mp\">\r\n\r\n \r\n <div class=\"mhd\">\r\n <div class=\"mlg\">MLA<\/div>\r\n <div class=\"mbn\">Mutual Life <b>Africa<\/b><\/div>\r\n <\/div>\r\n <div class=\"page-title\">Policy Claims Form<\/div>\r\n <div class=\"page-sub\">Submit your claim securely. All information is encrypted and handled confidentially.<\/div>\r\n\r\n \r\n <div class=\"mst\" id=\"cl-steps\">\r\n <div class=\"msd active\" id=\"cst0\"><div class=\"msdt\">1<\/div><div class=\"mslb\">Verify<\/div><\/div>\r\n <div class=\"msl\"><\/div>\r\n <div class=\"msd\" id=\"cst1\"><div class=\"msdt\">2<\/div><div class=\"mslb\">Policy<\/div><\/div>\r\n <div class=\"msl\"><\/div>\r\n <div class=\"msd\" id=\"cst2\"><div class=\"msdt\">3<\/div><div class=\"mslb\">Deceased<\/div><\/div>\r\n <div class=\"msl\"><\/div>\r\n <div class=\"msd\" id=\"cst3\"><div class=\"msdt\">4<\/div><div class=\"mslb\">Cause<\/div><\/div>\r\n <div class=\"msl\"><\/div>\r\n <div class=\"msd\" id=\"cst4\"><div class=\"msdt\">5<\/div><div class=\"mslb\">Beneficiary<\/div><\/div>\r\n <div class=\"msl\"><\/div>\r\n <div class=\"msd\" id=\"cst5\"><div class=\"msdt\">6<\/div><div class=\"mslb\">Banking<\/div><\/div>\r\n <div class=\"msl\"><\/div>\r\n <div class=\"msd\" id=\"cst6\"><div class=\"msdt\">7<\/div><div class=\"mslb\">Documents<\/div><\/div>\r\n <div class=\"msl\"><\/div>\r\n <div class=\"msd\" id=\"cst7\"><div class=\"msdt\">8<\/div><div class=\"mslb\">Submit<\/div><\/div>\r\n <\/div>\r\n\r\n \r\n <div id=\"cs0\">\r\n <div class=\"mca\">\r\n <div class=\"sec-title\">Verify Your Identity<\/div>\r\n <p style=\"font-size:14px;color:#8892b0;line-height:1.7;margin-bottom:22px !important\">Enter your ID or passport number to locate your policy before submitting a claim.<\/p>\r\n <div class=\"mfi\">\r\n <label>ID or Passport Number <span>*<\/span><\/label>\r\n <input type=\"text\" id=\"cl-lookup-input\" placeholder=\"Enter ID or passport number\" autocomplete=\"off\" spellcheck=\"false\" oninput=\"CL.onInput(this.value)\">\r\n <\/div>\r\n <div class=\"merr\" id=\"cerr0\"><\/div>\r\n <\/div>\r\n <button class=\"mbp\" id=\"cl-lookup-btn\" onclick=\"CL.doLookup()\" disabled>Find My Policy →<\/button>\r\n <div class=\"msec\">🔒 256-bit SSL \u00b7 Secured by Mutual Africa Pay<\/div>\r\n <\/div>\r\n\r\n \r\n <div id=\"cs0b\" style=\"display:none\">\r\n <div class=\"mca\">\r\n <div class=\"sec-title\">Confirm Your Details<\/div>\r\n <p style=\"font-size:14px;color:#8892b0;line-height:1.6;margin-bottom:20px !important\">We found your account. Please confirm this is you before continuing.<\/p>\r\n <div id=\"cl-user-card\"><\/div>\r\n <div class=\"merr\" id=\"cerr0b\"><\/div>\r\n <\/div>\r\n <div class=\"mrow\">\r\n <button class=\"mbk\" onclick=\"CL.showStep(0)\">← Back<\/button>\r\n <button class=\"mbp\" onclick=\"CL.confirmUser()\">Yes, This Is Me →<\/button>\r\n <\/div>\r\n <\/div>\r\n\r\n \r\n <div id=\"cs1\" style=\"display:none\">\r\n <div class=\"mca\">\r\n <div class=\"sec-title\">📋 Policy Details<\/div>\r\n <div class=\"mfi\">\r\n <label>Policy Number <span>*<\/span><\/label>\r\n <input type=\"text\" id=\"cl-policy-number\" placeholder=\"e.g. MLA-2024-000123\" readonly style=\"color:rgba(255,255,255,.5);cursor:not-allowed\">\r\n <\/div>\r\n <div class=\"mfi\">\r\n <label>Full Name (Policyholder) <span>*<\/span><\/label>\r\n <input type=\"text\" id=\"cl-ph-name\" placeholder=\"Full legal name\" readonly style=\"color:rgba(255,255,255,.5);cursor:not-allowed\">\r\n <\/div>\r\n <div class=\"mr2\">\r\n <div class=\"mfi\">\r\n <label>ID \/ Passport <span>*<\/span><\/label>\r\n <input type=\"text\" id=\"cl-ph-id\" placeholder=\"ID or passport\" readonly style=\"color:rgba(255,255,255,.5);cursor:not-allowed\">\r\n <\/div>\r\n <div class=\"mfi\">\r\n <label>Phone Number <span>*<\/span><\/label>\r\n <input type=\"tel\" id=\"cl-ph-phone\" placeholder=\"+1 234 567 8900\">\r\n <\/div>\r\n <\/div>\r\n <div class=\"mfi\">\r\n <label>Email Address <span>*<\/span><\/label>\r\n <input type=\"email\" id=\"cl-ph-email\" placeholder=\"email@example.com\" readonly style=\"color:rgba(255,255,255,.5);cursor:not-allowed\">\r\n <\/div>\r\n <div class=\"merr\" id=\"cerr1\"><\/div>\r\n <\/div>\r\n <div class=\"mrow\">\r\n <button class=\"mbk\" onclick=\"CL.showStep('0b')\">← Back<\/button>\r\n <button class=\"mbp\" onclick=\"CL.goStep(2)\">Continue →<\/button>\r\n <\/div>\r\n <\/div>\r\n\r\n \r\n <div id=\"cs2\" style=\"display:none\">\r\n <div class=\"mca\">\r\n <div class=\"sec-title\">👤 Deceased Details<\/div>\r\n <div class=\"mfi\">\r\n <label>Full Name of Deceased <span>*<\/span><\/label>\r\n <input type=\"text\" id=\"cl-dec-name\" placeholder=\"Enter full legal name\">\r\n <\/div>\r\n <div class=\"mr2\">\r\n <div class=\"mfi\">\r\n <label>ID \/ Passport <span>*<\/span><\/label>\r\n <input type=\"text\" id=\"cl-dec-id\" placeholder=\"ID or passport number\">\r\n <\/div>\r\n <div class=\"mfi\">\r\n <label>Nationality <span>*<\/span><\/label>\r\n <input type=\"text\" id=\"cl-dec-nat\" placeholder=\"e.g. South African\">\r\n <\/div>\r\n <\/div>\r\n <div class=\"mfi\">\r\n <label>Date of Birth <span>*<\/span><\/label>\r\n <div class=\"dob-wrap\" id=\"cl-dec-dob-wrap\"><\/div>\r\n <\/div>\r\n <div class=\"mfi\">\r\n <label>Date of Death <span>*<\/span><\/label>\r\n <div class=\"dob-wrap\" id=\"cl-dec-dod-wrap\"><\/div>\r\n <\/div>\r\n <div class=\"mfi\">\r\n <label>Country of Death <span>*<\/span><\/label>\r\n <input type=\"text\" id=\"cl-dec-country\" placeholder=\"e.g. South Africa\">\r\n <\/div>\r\n <div class=\"mfi\">\r\n <label>Last Known Address <span>*<\/span><\/label>\r\n <textarea id=\"cl-dec-address\" placeholder=\"Street, City, Province, Country\"><\/textarea>\r\n <\/div>\r\n <div class=\"merr\" id=\"cerr2\"><\/div>\r\n <\/div>\r\n <div class=\"mrow\">\r\n <button class=\"mbk\" onclick=\"CL.showStep(1)\">← Back<\/button>\r\n <button class=\"mbp\" onclick=\"CL.goStep(3)\">Continue →<\/button>\r\n <\/div>\r\n <\/div>\r\n\r\n \r\n <div id=\"cs3\" style=\"display:none\">\r\n <div class=\"mca\">\r\n <div class=\"sec-title\">🏥 Cause of Death<\/div>\r\n <p style=\"font-size:13px;color:#8892b0;margin-bottom:18px !important;line-height:1.6\">Provide details about the circumstances of death. This information is confidential.<\/p>\r\n <div class=\"mfi\">\r\n <label>Cause of Death <span>*<\/span><\/label>\r\n <textarea id=\"cl-cause\" placeholder=\"e.g. Cardiac arrest, Natural causes, Road accident...\"><\/textarea>\r\n <\/div>\r\n <div class=\"mfi\">\r\n <label>Place of Death <span>*<\/span><\/label>\r\n <select id=\"cl-place\">\r\n <option value=\"\">\u2014 select \u2014<\/option>\r\n <option value=\"Hospital\">Hospital<\/option>\r\n <option value=\"Home\">Home<\/option>\r\n <option value=\"Hospice \/ Care Facility\">Hospice \/ Care Facility<\/option>\r\n <option value=\"Scene of Accident\">Scene of Accident<\/option>\r\n <option value=\"Other\">Other<\/option>\r\n <\/select>\r\n <\/div>\r\n <div class=\"mfi\">\r\n <label>Hospital \/ Institution Name <span>*<\/span><\/label>\r\n <input type=\"text\" id=\"cl-hospital\" placeholder=\"Full name of hospital or institution\">\r\n <\/div>\r\n <div class=\"mfi\">\r\n <label>Attending Authority \/ Doctor <span>*<\/span><\/label>\r\n <input type=\"text\" id=\"cl-doctor\" placeholder=\"Full name of attending doctor or authority\">\r\n <\/div>\r\n <div class=\"merr\" id=\"cerr3\"><\/div>\r\n <\/div>\r\n <div class=\"mrow\">\r\n <button class=\"mbk\" onclick=\"CL.showStep(2)\">← Back<\/button>\r\n <button class=\"mbp\" onclick=\"CL.goStep(4)\">Continue →<\/button>\r\n <\/div>\r\n <\/div>\r\n\r\n \r\n <div id=\"cs4\" style=\"display:none\">\r\n <div class=\"mca\">\r\n <div class=\"sec-title\">🤝 Beneficiary Details<\/div>\r\n <p style=\"font-size:13px;color:#8892b0;margin-bottom:18px !important;line-height:1.6\">Details of the person claiming the benefit.<\/p>\r\n <div class=\"mfi\">\r\n <label>Full Name <span>*<\/span><\/label>\r\n <input type=\"text\" id=\"cl-ben-name\" placeholder=\"Beneficiary's full legal name\">\r\n <\/div>\r\n <div class=\"mr2\">\r\n <div class=\"mfi\">\r\n <label>Relationship to Deceased <span>*<\/span><\/label>\r\n <select id=\"cl-ben-rel\">\r\n <option value=\"\">\u2014 select \u2014<\/option>\r\n <option value=\"Spouse\">Spouse<\/option>\r\n <option value=\"Child\">Child<\/option>\r\n <option value=\"Parent\">Parent<\/option>\r\n <option value=\"Grandparent\">Grandparent<\/option>\r\n <option value=\"Sibling\">Sibling<\/option>\r\n <option value=\"Aunt\">Aunt<\/option>\r\n <option value=\"Uncle\">Uncle<\/option>\r\n <option value=\"Cousin\">Cousin<\/option>\r\n <option value=\"Other\">Other<\/option>\r\n <\/select>\r\n <\/div>\r\n <div class=\"mfi\">\r\n <label>ID \/ Passport<\/label>\r\n <input type=\"text\" id=\"cl-ben-id\" placeholder=\"ID or passport\">\r\n <\/div>\r\n <\/div>\r\n <div class=\"mr2\">\r\n <div class=\"mfi\">\r\n <label>Contact Number<\/label>\r\n <input type=\"tel\" id=\"cl-ben-phone\" placeholder=\"+1 234 567 8900\">\r\n <\/div>\r\n <div class=\"mfi\">\r\n <label>Email Address<\/label>\r\n <input type=\"email\" id=\"cl-ben-email\" placeholder=\"email@example.com\">\r\n <\/div>\r\n <\/div>\r\n <div class=\"merr\" id=\"cerr4\"><\/div>\r\n <\/div>\r\n <div class=\"mrow\">\r\n <button class=\"mbk\" onclick=\"CL.showStep(3)\">← Back<\/button>\r\n <button class=\"mbp\" onclick=\"CL.goStep(5)\">Continue →<\/button>\r\n <\/div>\r\n <\/div>\r\n\r\n \r\n <div id=\"cs5\" style=\"display:none\">\r\n <div class=\"mca\">\r\n <div class=\"sec-title\">🏦 Banking Details<\/div>\r\n <p style=\"font-size:13px;color:#8892b0;margin-bottom:18px !important;line-height:1.6\">Account holder & payment information for claim payout.<\/p>\r\n <div class=\"mfi\">\r\n <label>Account Holder Name <span>*<\/span><\/label>\r\n <input type=\"text\" id=\"cl-bank-holder\" placeholder=\"Full name as on bank account\">\r\n <\/div>\r\n <div class=\"mr2\">\r\n <div class=\"mfi\">\r\n <label>Bank Name <span>*<\/span><\/label>\r\n <input type=\"text\" id=\"cl-bank-name\" placeholder=\"e.g. Standard Bank, Barclays\">\r\n <\/div>\r\n <div class=\"mfi\">\r\n <label>Account Number <span>*<\/span><\/label>\r\n <input type=\"text\" id=\"cl-bank-acc\" placeholder=\"Account number\" inputmode=\"numeric\">\r\n <\/div>\r\n <\/div>\r\n <div class=\"mr2\">\r\n <div class=\"mfi\">\r\n <label>SWIFT \/ Branch Code <span>*<\/span><\/label>\r\n <input type=\"text\" id=\"cl-bank-swift\" placeholder=\"e.g. SBZAZAJJ or 051001\" style=\"text-transform:uppercase\">\r\n <\/div>\r\n <div class=\"mfi\">\r\n <label>Country <span>*<\/span><\/label>\r\n <select id=\"cl-bank-country\">\r\n <option value=\"\">\u2014 select \u2014<\/option>\r\n <option value=\"South Africa\">South Africa<\/option>\r\n <option value=\"United Kingdom\">United Kingdom<\/option>\r\n <option value=\"United States\">United States<\/option>\r\n <option value=\"Zimbabwe\">Zimbabwe<\/option>\r\n <option value=\"Nigeria\">Nigeria<\/option>\r\n <option value=\"Kenya\">Kenya<\/option>\r\n <option value=\"Ghana\">Ghana<\/option>\r\n <option value=\"Zambia\">Zambia<\/option>\r\n <option value=\"Other\">Other<\/option>\r\n <\/select>\r\n <\/div>\r\n <\/div>\r\n <div class=\"merr\" id=\"cerr5\"><\/div>\r\n <\/div>\r\n <div class=\"mrow\">\r\n <button class=\"mbk\" onclick=\"CL.showStep(4)\">← Back<\/button>\r\n <button class=\"mbp\" onclick=\"CL.goStep(6)\">Continue →<\/button>\r\n <\/div>\r\n <\/div>\r\n\r\n \r\n <div id=\"cs6\" style=\"display:none\">\r\n <div class=\"mca\">\r\n <div class=\"sec-title\">📄 Document Uploads<\/div>\r\n <p style=\"font-size:13px;color:#8892b0;margin-bottom:20px !important;line-height:1.6\">Upload certified copies. Accepted formats: PDF, JPG, PNG \u00b7 Max 10MB per file.<\/p>\r\n\r\n \r\n <div class=\"upload-item\" id=\"up-death-cert\">\r\n <div class=\"upload-header\">\r\n <div style=\"display:flex;align-items:center;gap:8px\"><span class=\"upload-icon\">📜<\/span><span class=\"upload-name\">Death Certificate<\/span><\/div>\r\n <span class=\"upload-req\">Required<\/span>\r\n <\/div>\r\n <div class=\"upload-sub\">Official death certificate issued by relevant authority<\/div>\r\n <button class=\"upload-btn\" onclick=\"CL.triggerUpload('death_cert')\">↑ Tap to Upload File<\/button>\r\n <input type=\"file\" id=\"fi-death-cert\" accept=\".pdf,.jpg,.jpeg,.png\" onchange=\"CL.handleFile('death_cert',this)\">\r\n <div class=\"upload-status\" id=\"us-death-cert\"><\/div>\r\n <\/div>\r\n\r\n \r\n <div class=\"upload-item\" id=\"up-deceased-id\">\r\n <div class=\"upload-header\">\r\n <div style=\"display:flex;align-items:center;gap:8px\"><span class=\"upload-icon\">💳<\/span><span class=\"upload-name\">Deceased ID \/ Passport<\/span><\/div>\r\n <span class=\"upload-req\">Required<\/span>\r\n <\/div>\r\n <div class=\"upload-sub\">Copy of deceased person's identity document or passport<\/div>\r\n <button class=\"upload-btn\" onclick=\"CL.triggerUpload('deceased_id')\">↑ Tap to Upload File<\/button>\r\n <input type=\"file\" id=\"fi-deceased-id\" accept=\".pdf,.jpg,.jpeg,.png\" onchange=\"CL.handleFile('deceased_id',this)\">\r\n <div class=\"upload-status\" id=\"us-deceased-id\"><\/div>\r\n <\/div>\r\n\r\n \r\n <div class=\"upload-item\" id=\"up-claimant-id\">\r\n <div class=\"upload-header\">\r\n <div style=\"display:flex;align-items:center;gap:8px\"><span class=\"upload-icon\">🧑<\/span><span class=\"upload-name\">Claimant ID \/ Passport<\/span><\/div>\r\n <span class=\"upload-req\">Required<\/span>\r\n <\/div>\r\n <div class=\"upload-sub\">Copy of claimant's identity document or passport<\/div>\r\n <button class=\"upload-btn\" onclick=\"CL.triggerUpload('claimant_id')\">↑ Tap to Upload File<\/button>\r\n <input type=\"file\" id=\"fi-claimant-id\" accept=\".pdf,.jpg,.jpeg,.png\" onchange=\"CL.handleFile('claimant_id',this)\">\r\n <div class=\"upload-status\" id=\"us-claimant-id\"><\/div>\r\n <\/div>\r\n\r\n \r\n <div class=\"upload-item\" id=\"up-proof-banking\">\r\n <div class=\"upload-header\">\r\n <div style=\"display:flex;align-items:center;gap:8px\"><span class=\"upload-icon\">🏦<\/span><span class=\"upload-name\">Proof of Banking<\/span><\/div>\r\n <span class=\"upload-req\">Required<\/span>\r\n <\/div>\r\n <div class=\"upload-sub\">Bank statement or letter confirming account details<\/div>\r\n <button class=\"upload-btn\" onclick=\"CL.triggerUpload('proof_banking')\">↑ Tap to Upload File<\/button>\r\n <input type=\"file\" id=\"fi-proof-banking\" accept=\".pdf,.jpg,.jpeg,.png\" onchange=\"CL.handleFile('proof_banking',this)\">\r\n <div class=\"upload-status\" id=\"us-proof-banking\"><\/div>\r\n <\/div>\r\n\r\n \r\n <div class=\"upload-item\" id=\"up-medical-report\">\r\n <div class=\"upload-header\">\r\n <div style=\"display:flex;align-items:center;gap:8px\"><span class=\"upload-icon\">🏥<\/span><span class=\"upload-name\">Medical Report<\/span><\/div>\r\n <span class=\"upload-req opt\">Optional<\/span>\r\n <\/div>\r\n <div class=\"upload-sub\">Doctor's report or medical records if applicable<\/div>\r\n <button class=\"upload-btn\" onclick=\"CL.triggerUpload('medical_report')\">↑ Tap to Upload File<\/button>\r\n <input type=\"file\" id=\"fi-medical-report\" accept=\".pdf,.jpg,.jpeg,.png\" onchange=\"CL.handleFile('medical_report',this)\">\r\n <div class=\"upload-status\" id=\"us-medical-report\"><\/div>\r\n <\/div>\r\n\r\n \r\n <div class=\"upload-item\" id=\"up-police-report\">\r\n <div class=\"upload-header\">\r\n <div style=\"display:flex;align-items:center;gap:8px\"><span class=\"upload-icon\">👮<\/span><span class=\"upload-name\">Police Report<\/span><\/div>\r\n <span class=\"upload-req opt\">Optional<\/span>\r\n <\/div>\r\n <div class=\"upload-sub\">Required if death was accidental or under investigation<\/div>\r\n <button class=\"upload-btn\" onclick=\"CL.triggerUpload('police_report')\">↑ Tap to Upload File<\/button>\r\n <input type=\"file\" id=\"fi-police-report\" accept=\".pdf,.jpg,.jpeg,.png\" onchange=\"CL.handleFile('police_report',this)\">\r\n <div class=\"upload-status\" id=\"us-police-report\"><\/div>\r\n <\/div>\r\n\r\n <div class=\"merr\" id=\"cerr6\"><\/div>\r\n <\/div>\r\n <div class=\"mrow\">\r\n <button class=\"mbk\" onclick=\"CL.showStep(5)\">← Back<\/button>\r\n <button class=\"mbp\" onclick=\"CL.goStep(7)\">Continue →<\/button>\r\n <\/div>\r\n <\/div>\r\n\r\n \r\n <div id=\"cs7\" style=\"display:none\">\r\n <div class=\"mca\">\r\n <div class=\"sec-title\">✏ Declaration & Consent<\/div>\r\n <p style=\"font-size:13px;color:#8892b0;margin-bottom:20px !important;line-height:1.6\">Please read and acknowledge the following before submitting your claim.<\/p>\r\n\r\n <div class=\"ack-wrap\" id=\"ack-declaration\" onclick=\"CL.toggleAck('declaration')\">\r\n <div class=\"ack-box\" id=\"ab-declaration\"><\/div>\r\n <span class=\"ack-text\">I declare that all information provided in this claim form is true, accurate and complete to the best of my knowledge. I understand that any misrepresentation may result in the rejection of this claim.<\/span>\r\n <\/div>\r\n\r\n <div class=\"ack-wrap\" id=\"ack-consent\" onclick=\"CL.toggleAck('consent')\">\r\n <div class=\"ack-box\" id=\"ab-consent\"><\/div>\r\n <span class=\"ack-text\">I consent to Mutual Life Africa processing and sharing my personal information with relevant third parties for the purpose of assessing and processing this claim.<\/span>\r\n <\/div>\r\n\r\n <div class=\"ack-wrap\" id=\"ack-terms\" onclick=\"CL.toggleAck('terms')\">\r\n <div class=\"ack-box\" id=\"ab-terms\"><\/div>\r\n <span class=\"ack-text\">I accept the multi-currency terms and acknowledge that payouts may be subject to exchange rate variations and applicable banking fees.<\/span>\r\n <\/div>\r\n\r\n <div class=\"merr\" id=\"cerr7\"><\/div>\r\n <\/div>\r\n <div class=\"mrow\">\r\n <button class=\"mbk\" onclick=\"CL.showStep(6)\">← Back<\/button>\r\n <button class=\"mbp\" onclick=\"CL.submitClaim()\">Submit Claim →<\/button>\r\n <\/div>\r\n <div class=\"msec\">🔒 256-bit SSL \u00b7 Secured by Mutual Africa Pay<\/div>\r\n <\/div>\r\n\r\n \r\n <div id=\"cl-ok\">\r\n <div class=\"ok-icon\">✅<\/div>\r\n <span class=\"ok-title\">Claim Submitted<\/span>\r\n <span class=\"ok-sub\">Your claim has been received and logged. Our claims team will review your submission and contact you within 5\u201310 business days.<\/span>\r\n <div class=\"ok-ref\" id=\"cl-ok-ref\"><\/div>\r\n <p style=\"font-size:12px;color:rgba(255,255,255,.3);font-style:italic\">A confirmation has been sent to your registered email address.<\/p>\r\n <\/div>\r\n\r\n <\/div>\r\n\r\n \r\n <div id=\"cl-ov\">\r\n <div class=\"msp\"><\/div>\r\n <div class=\"ov-title\" id=\"cl-ov-title\">Please wait...<\/div>\r\n <div class=\"ov-sub\" id=\"cl-ov-sub\">Please do not close this page<\/div>\r\n <div class=\"ov-prog\"><div class=\"ov-prog-bar\" id=\"cl-prog-bar\"><\/div><\/div>\r\n <\/div>\r\n<\/div>\r\n\r\n<script>\r\n(function(){\r\n var ANON = \"eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJpc3MiOiJzdXBhYmFzZSIsInJlZiI6Im9lbnZmeXVhcnlwdHJ0amFtY2pvIiwicm9sZSI6ImFub24iLCJpYXQiOjE3NzMwNTQ3MDcsImV4cCI6MjA4ODYzMDcwN30.dMNfvvU0jog5y-bkCgGbS9rYDgbxFddO2j4fXysppYY\";\r\n var SUPA_URL = \"https:\/\/oenvfyuaryptrtjamcjo.supabase.co\";\r\n var SEND_EF = SUPA_URL + \"\/functions\/v1\/send-email\";\r\n var BUCKET = \"claims-documents\";\r\n var MONTHS = [\"Jan\",\"Feb\",\"Mar\",\"Apr\",\"May\",\"Jun\",\"Jul\",\"Aug\",\"Sep\",\"Oct\",\"Nov\",\"Dec\"];\r\n\r\n var S = {\r\n userId: null, matchedUser: null, policy: null,\r\n dob: {d:\"\",m:\"\",y:\"\"}, dod: {d:\"\",m:\"\",y:\"\"},\r\n docs: { death_cert:null, deceased_id:null, claimant_id:null, proof_banking:null, medical_report:null, police_report:null },\r\n acks: { declaration:false, consent:false, terms:false }\r\n };\r\n\r\n \/\/ \u2500\u2500 DOB DROPDOWNS \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\r\n function buildDob(wrapperId, prefix) {\r\n var el = document.getElementById(wrapperId);\r\n if (!el) return;\r\n var days = \"<option value=''>DD<\/option>\";\r\n for (var i=1;i<=31;i++){var d=i<10?\"0\"+i:\"\"+i;days+=\"<option value='\"+d+\"'>\"+i+\"<\/option>\";}\r\n var mos = \"<option value=''>MM<\/option>\";\r\n for (var m=0;m<12;m++){var mm=m<9?\"0\"+(m+1):\"\"+(m+1);mos+=\"<option value='\"+mm+\"'>\"+MONTHS[m]+\"<\/option>\";}\r\n var yrs = \"<option value=''>YYYY<\/option>\";\r\n var curY=new Date().getFullYear();\r\n for (var y=curY;y>=1900;y--){yrs+=\"<option value='\"+y+\"'>\"+y+\"<\/option>\";}\r\n el.innerHTML =\r\n \"<select class='dob-sel' onchange='CL.updDate(\"\"+prefix+\"\",\"d\",this.value)'>\"+days+\"<\/select>\"+\r\n \"<select class='dob-sel' onchange='CL.updDate(\"\"+prefix+\"\",\"m\",this.value)'>\"+mos+\"<\/select>\"+\r\n \"<select class='dob-sel' onchange='CL.updDate(\"\"+prefix+\"\",\"y\",this.value)'>\"+yrs+\"<\/select>\";\r\n }\r\n\r\n function dateVal(parts){ return (parts.d&&parts.m&&parts.y) ? parts.y+\"-\"+parts.m+\"-\"+parts.d : \"\"; }\r\n\r\n \/\/ \u2500\u2500 STEP UI \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\r\n var ALL_STEPS = [\"cs0\",\"cs0b\",\"cs1\",\"cs2\",\"cs3\",\"cs4\",\"cs5\",\"cs6\",\"cs7\",\"cl-ok\"];\r\n function hideAll(){ ALL_STEPS.forEach(function(id){var el=document.getElementById(id);if(el)el.style.display=\"none\";}); }\r\n function setStepUI(n){\r\n for(var i=0;i<=7;i++){\r\n var el=document.getElementById(\"cst\"+i); if(!el) continue;\r\n el.className=\"msd\"+(i<n?\" done\":i===n?\" active\":\"\");\r\n }\r\n }\r\n\r\n \/\/ \u2500\u2500 HELPERS \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\r\n function showErr(id,msg){var el=document.getElementById(id);if(!el)return;el.className=\"merr show\";el.textContent=msg;el.scrollIntoView({behavior:\"smooth\",block:\"center\"});}\r\n function clearErr(id){var el=document.getElementById(id);if(el)el.className=\"merr\";}\r\n function esc(v){return String(v||\"\").replace(\/&\/g,\"&\").replace(\/\"\/g,\""\").replace(\/'\/g,\"'\").replace(\/<\/g,\"<\");}\r\n function val(id){var el=document.getElementById(id);return el?el.value.trim():\"\";}\r\n function showOv(t,s,p){\r\n var ot=document.getElementById(\"cl-ov-title\"); if(ot)ot.textContent=t||\"Please wait...\";\r\n var os=document.getElementById(\"cl-ov-sub\"); if(os)os.textContent=s||\"Please do not close this page\";\r\n var pb=document.getElementById(\"cl-prog-bar\"); if(pb)pb.style.width=(p||0)+\"%\";\r\n document.getElementById(\"cl-ov\").classList.add(\"show\");\r\n }\r\n function setProgress(p){var pb=document.getElementById(\"cl-prog-bar\");if(pb)pb.style.width=p+\"%\";}\r\n function hideOv(){document.getElementById(\"cl-ov\").classList.remove(\"show\");}\r\n function ucRow(l,v){return \"<div class='ucard-row'><span class='ucard-lbl'>\"+l+\"<\/span><span class='ucard-val'>\"+esc(String(v||\"\u2014\"))+\"<\/span><\/div>\";}\r\n function genClaimNum(){return \"CLM-\"+Date.now().toString(36).toUpperCase()+\"-\"+Math.random().toString(36).substr(2,4).toUpperCase();}\r\n\r\n \/\/ \u2500\u2500 FILE UPLOAD \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\r\n async function uploadFile(key, file) {\r\n var maxSize = 10 * 1024 * 1024;\r\n if (file.size > maxSize) return { ok:false, msg:\"File exceeds 10MB limit.\" };\r\n var allowed = [\"application\/pdf\",\"image\/jpeg\",\"image\/png\",\"image\/jpg\"];\r\n if (!allowed.includes(file.type)) return { ok:false, msg:\"Invalid file type. Use PDF, JPG or PNG.\" };\r\n\r\n var ext = file.name.split(\".\").pop();\r\n var path = \"claims\/\" + S.userId + \"\/\" + key + \"_\" + Date.now() + \".\" + ext;\r\n var url = SUPA_URL + \"\/storage\/v1\/object\/\" + BUCKET + \"\/\" + path;\r\n\r\n var res = await fetch(url, {\r\n method: \"POST\",\r\n headers: { \"Authorization\": \"Bearer \" + ANON, \"Content-Type\": file.type, \"x-upsert\": \"true\" },\r\n body: file\r\n });\r\n\r\n if (!res.ok) {\r\n var err = await res.json().catch(function(){ return {}; });\r\n return { ok:false, msg: err.message || \"Upload failed. Please try again.\" };\r\n }\r\n\r\n var publicUrl = SUPA_URL + \"\/storage\/v1\/object\/public\/\" + BUCKET + \"\/\" + path;\r\n return { ok:true, url: publicUrl };\r\n }\r\n\r\n \/\/ \u2500\u2500 PUBLIC API \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\r\n window.CL = {\r\n\r\n showStep: function(n) {\r\n hideAll();\r\n var id = \"cs\" + n;\r\n var el = document.getElementById(id);\r\n if (el) { el.style.display=\"block\"; window.scrollTo({top:0,behavior:\"smooth\"}); }\r\n var map = {\"0\":0,\"0b\":0,\"1\":1,\"2\":2,\"3\":3,\"4\":4,\"5\":5,\"6\":6,\"7\":7};\r\n setStepUI(map[String(n)] !== undefined ? map[String(n)] : parseInt(n));\r\n },\r\n\r\n onInput: function(v){ var btn=document.getElementById(\"cl-lookup-btn\"); if(btn)btn.disabled=v.trim().length<3; },\r\n\r\n doLookup: async function() {\r\n var v=val(\"cl-lookup-input\"); if(!v) return;\r\n var btn=document.getElementById(\"cl-lookup-btn\"); if(btn){btn.disabled=true;btn.textContent=\"Searching...\";}\r\n clearErr(\"cerr0\"); showOv(\"Searching for your account...\", \"\", 20);\r\n try {\r\n var url=SUPA_URL+\"\/rest\/v1\/users?or=(id_number.eq.\"+encodeURIComponent(v)+\",passport_number.eq.\"+encodeURIComponent(v)+\")&select=id,full_name,date_of_birth,gender,nationality,id_number,passport_number,phone,email&limit=1\";\r\n var res=await fetch(url,{headers:{\"apikey\":ANON,\"Authorization\":\"Bearer \"+ANON}});\r\n var data=await res.json(); hideOv();\r\n if(btn){btn.disabled=false;btn.textContent=\"Find My Policy →\";}\r\n if(!res.ok||!data.length){showErr(\"cerr0\",\"No account found for this ID or passport number.nnPlease register at app.mutuallifeafrica.com first.\");return;}\r\n S.matchedUser=data[0]; S.userId=data[0].id;\r\n var u=data[0];\r\n var card=\"<div class='ucard'>\"+ucRow(\"Full Name\",u.full_name)+ucRow(\"Date of Birth\",u.date_of_birth)+ucRow(\"ID Number\",u.id_number)+ucRow(\"Email\",u.email)+\"<\/div>\";\r\n document.getElementById(\"cl-user-card\").innerHTML=card;\r\n CL.showStep(\"0b\");\r\n } catch(e){hideOv();if(btn){btn.disabled=false;btn.textContent=\"Find My Policy →\";}showErr(\"cerr0\",\"Network error. Please check your connection.\");}\r\n },\r\n\r\n confirmUser: async function() {\r\n if (!S.matchedUser) return;\r\n showOv(\"Loading your policy...\", \"\", 30);\r\n try {\r\n var res = await fetch(SUPA_URL+\"\/rest\/v1\/policies?user_id=eq.\"+S.userId+\"&select=id,policy_number,policy_type,policy_status&order=created_at.desc&limit=1\",{headers:{\"apikey\":ANON,\"Authorization\":\"Bearer \"+ANON}});\r\n var data = await res.json(); hideOv();\r\n if (!data.length){showErr(\"cerr0b\",\"No active policy found on this account. Please contact support@mutuallife.africa.\");return;}\r\n S.policy = data[0];\r\n var u = S.matchedUser;\r\n document.getElementById(\"cl-policy-number\").value = S.policy.policy_number || \"\";\r\n document.getElementById(\"cl-ph-name\").value = u.full_name || \"\";\r\n document.getElementById(\"cl-ph-id\").value = u.id_number || u.passport_number || \"\";\r\n document.getElementById(\"cl-ph-phone\").value = u.phone || \"\";\r\n document.getElementById(\"cl-ph-email\").value = u.email || \"\";\r\n CL.showStep(1);\r\n } catch(e){hideOv();showErr(\"cerr0b\",\"Network error. Please try again.\");}\r\n },\r\n\r\n updDate: function(prefix, part, v) {\r\n var obj = prefix===\"dob\" ? S.dob : S.dod;\r\n obj[part] = v;\r\n },\r\n\r\n goStep: function(n) {\r\n clearErr(\"cerr\"+(n-1));\r\n\r\n if (n===2) {\r\n if (!val(\"cl-ph-phone\")){ showErr(\"cerr1\",\"Phone number is required.\"); return; }\r\n CL.showStep(2); return;\r\n }\r\n if (n===3) {\r\n if (!val(\"cl-dec-name\")) { showErr(\"cerr2\",\"Deceased full name is required.\"); return; }\r\n if (!val(\"cl-dec-id\")) { showErr(\"cerr2\",\"Deceased ID\/Passport is required.\"); return; }\r\n if (!val(\"cl-dec-nat\")) { showErr(\"cerr2\",\"Nationality is required.\"); return; }\r\n if (!dateVal(S.dob)) { showErr(\"cerr2\",\"Date of birth is required.\"); return; }\r\n if (!dateVal(S.dod)) { showErr(\"cerr2\",\"Date of death is required.\"); return; }\r\n if (!val(\"cl-dec-country\")){ showErr(\"cerr2\",\"Country of death is required.\"); return; }\r\n if (!val(\"cl-dec-address\")){ showErr(\"cerr2\",\"Last known address is required.\"); return; }\r\n CL.showStep(3); return;\r\n }\r\n if (n===4) {\r\n if (!val(\"cl-cause\")) { showErr(\"cerr3\",\"Cause of death is required.\"); return; }\r\n if (!val(\"cl-place\")) { showErr(\"cerr3\",\"Place of death is required.\"); return; }\r\n if (!val(\"cl-hospital\")){ showErr(\"cerr3\",\"Hospital\/institution name is required.\"); return; }\r\n if (!val(\"cl-doctor\")) { showErr(\"cerr3\",\"Attending authority\/doctor is required.\"); return; }\r\n CL.showStep(4); return;\r\n }\r\n if (n===5) {\r\n if (!val(\"cl-ben-name\")){ showErr(\"cerr4\",\"Beneficiary full name is required.\"); return; }\r\n if (!val(\"cl-ben-rel\")) { showErr(\"cerr4\",\"Relationship to deceased is required.\"); return; }\r\n CL.showStep(5); return;\r\n }\r\n if (n===6) {\r\n if (!val(\"cl-bank-holder\")) { showErr(\"cerr5\",\"Account holder name is required.\"); return; }\r\n if (!val(\"cl-bank-name\")) { showErr(\"cerr5\",\"Bank name is required.\"); return; }\r\n if (!val(\"cl-bank-acc\")) { showErr(\"cerr5\",\"Account number is required.\"); return; }\r\n if (!val(\"cl-bank-swift\")) { showErr(\"cerr5\",\"SWIFT\/Branch code is required.\"); return; }\r\n if (!val(\"cl-bank-country\")){ showErr(\"cerr5\",\"Country is required.\"); return; }\r\n CL.showStep(6); return;\r\n }\r\n if (n===7) {\r\n if (!S.docs.death_cert) { showErr(\"cerr6\",\"Death Certificate is required.\"); return; }\r\n if (!S.docs.deceased_id) { showErr(\"cerr6\",\"Deceased ID\/Passport is required.\"); return; }\r\n if (!S.docs.claimant_id) { showErr(\"cerr6\",\"Claimant ID\/Passport is required.\"); return; }\r\n if (!S.docs.proof_banking){ showErr(\"cerr6\",\"Proof of Banking is required.\"); return; }\r\n CL.showStep(7); return;\r\n }\r\n CL.showStep(n);\r\n },\r\n\r\n triggerUpload: function(key) { var fi=document.getElementById(\"fi-\"+key.replace(\/_\/g,\"-\")); if(fi)fi.click(); },\r\n\r\n handleFile: async function(key, input) {\r\n var file = input.files[0]; if (!file) return;\r\n var fiId = \"fi-\" + key.replace(\/_\/g,\"-\");\r\n var upId = \"up-\" + key.replace(\/_\/g,\"-\");\r\n var usId = \"us-\" + key.replace(\/_\/g,\"-\");\r\n var upEl = document.getElementById(upId);\r\n var usEl = document.getElementById(usId);\r\n if (upEl) upEl.className=\"upload-item uploading\";\r\n if (usEl) { usEl.className=\"upload-status show progress\"; usEl.textContent=\"Uploading...\"; }\r\n\r\n var result = await uploadFile(key, file);\r\n if (!result.ok) {\r\n if (upEl) upEl.className=\"upload-item\";\r\n if (usEl) { usEl.className=\"upload-status show err\"; usEl.textContent=\"⚠ \"+result.msg; }\r\n return;\r\n }\r\n S.docs[key] = result.url;\r\n if (upEl) upEl.className=\"upload-item uploaded\";\r\n if (usEl) { usEl.className=\"upload-status show ok\"; usEl.textContent=\"✓ \"+file.name+\" uploaded\"; }\r\n },\r\n\r\n toggleAck: function(key) {\r\n S.acks[key] = !S.acks[key];\r\n var box = document.getElementById(\"ab-\"+key);\r\n if (box) { box.className=\"ack-box\"+(S.acks[key]?\" checked\":\"\"); box.innerHTML=S.acks[key]?\"✓\":\"\"; }\r\n },\r\n\r\n submitClaim: async function() {\r\n if (!S.acks.declaration){ showErr(\"cerr7\",\"Please confirm the declaration to continue.\"); return; }\r\n if (!S.acks.consent) { showErr(\"cerr7\",\"Please confirm data sharing consent to continue.\"); return; }\r\n if (!S.acks.terms) { showErr(\"cerr7\",\"Please accept the multi-currency terms to continue.\"); return; }\r\n\r\n showOv(\"Submitting your claim...\", \"Please do not close this page\", 10);\r\n\r\n var claimNum = genClaimNum();\r\n setProgress(30);\r\n\r\n var payload = {\r\n claim_number: claimNum,\r\n status: \"submitted\",\r\n user_id: S.userId,\r\n policy_number: val(\"cl-policy-number\"),\r\n policyholder_name: val(\"cl-ph-name\"),\r\n policyholder_id_passport: val(\"cl-ph-id\"),\r\n policyholder_contact: val(\"cl-ph-phone\"),\r\n policyholder_email: val(\"cl-ph-email\"),\r\n deceased_name: val(\"cl-dec-name\"),\r\n deceased_id_passport: val(\"cl-dec-id\"),\r\n deceased_dob: dateVal(S.dob) || null,\r\n deceased_date_of_death: dateVal(S.dod) || null,\r\n deceased_country_of_death:val(\"cl-dec-country\"),\r\n deceased_nationality: val(\"cl-dec-nat\"),\r\n deceased_last_address: val(\"cl-dec-address\"),\r\n cause_of_death: val(\"cl-cause\"),\r\n place_of_death: val(\"cl-place\"),\r\n hospital_institution: val(\"cl-hospital\"),\r\n attending_authority: val(\"cl-doctor\"),\r\n beneficiary_name: val(\"cl-ben-name\"),\r\n beneficiary_relationship: val(\"cl-ben-rel\"),\r\n beneficiary_id_passport: val(\"cl-ben-id\"),\r\n beneficiary_contact: val(\"cl-ben-phone\"),\r\n beneficiary_email: val(\"cl-ben-email\"),\r\n bank_account_holder: val(\"cl-bank-holder\"),\r\n bank_name: val(\"cl-bank-name\"),\r\n bank_account_number: val(\"cl-bank-acc\"),\r\n bank_swift_branch_code: val(\"cl-bank-swift\"),\r\n bank_country: val(\"cl-bank-country\"),\r\n doc_death_certificate_url:S.docs.death_cert || null,\r\n doc_deceased_id_url: S.docs.deceased_id || null,\r\n doc_claimant_id_url: S.docs.claimant_id || null,\r\n doc_proof_banking_url: S.docs.proof_banking || null,\r\n doc_medical_report_url: S.docs.medical_report || null,\r\n doc_police_report_url: S.docs.police_report || null,\r\n declaration_signed: true,\r\n consent_data_sharing: true,\r\n multicurrency_terms_accepted: true\r\n };\r\n\r\n \/\/ Insert into claims table\r\n try {\r\n var res = await fetch(SUPA_URL+\"\/rest\/v1\/claims\",{\r\n method:\"POST\",\r\n headers:{\"apikey\":ANON,\"Authorization\":\"Bearer \"+ANON,\"Content-Type\":\"application\/json\",\"Prefer\":\"return=minimal\"},\r\n body:JSON.stringify(payload)\r\n });\r\n if (!res.ok) { var e=await res.json().catch(function(){return {};}); hideOv(); showErr(\"cerr7\",\"Failed to submit claim: \"+(e.message||\"Please try again.\")); return; }\r\n } catch(e) { hideOv(); showErr(\"cerr7\",\"Network error. Please try again.\"); return; }\r\n\r\n setProgress(60);\r\n\r\n \/\/ Send admin email\r\n var docLinks = [\r\n payload.doc_death_certificate_url ? \"<a href='\"+payload.doc_death_certificate_url+\"' style='color:#C9A84C'>Death Certificate<\/a>\" : null,\r\n payload.doc_deceased_id_url ? \"<a href='\"+payload.doc_deceased_id_url+\"' style='color:#C9A84C'>Deceased ID<\/a>\" : null,\r\n payload.doc_claimant_id_url ? \"<a href='\"+payload.doc_claimant_id_url+\"' style='color:#C9A84C'>Claimant ID<\/a>\" : null,\r\n payload.doc_proof_banking_url ? \"<a href='\"+payload.doc_proof_banking_url+\"' style='color:#C9A84C'>Proof of Banking<\/a>\" : null,\r\n payload.doc_medical_report_url ? \"<a href='\"+payload.doc_medical_report_url+\"' style='color:#C9A84C'>Medical Report<\/a>\" : null,\r\n payload.doc_police_report_url ? \"<a href='\"+payload.doc_police_report_url+\"' style='color:#C9A84C'>Police Report<\/a>\" : null,\r\n ].filter(Boolean).join(\" \u00b7 \");\r\n\r\n function row(l,v){ return \"<tr><td style='padding:6px 12px;color:#8892b0;font-size:12px;font-family:Arial'>\"+l+\"<\/td><td style='padding:6px 12px;color:#fff;font-size:12px;font-family:Arial'>\"+esc(String(v||\"\u2014\"))+\"<\/td><\/tr>\"; }\r\n\r\n var adminHtml = \"<div style='font-family:Arial,sans-serif;max-width:640px;margin:0 auto;background:#0D1454;color:#fff;border-radius:12px;overflow:hidden'>\"+\r\n \"<div style='background:linear-gradient(135deg,#1a237e,#0D1454);padding:24px 28px;border-bottom:1px solid rgba(201,168,76,0.3)'>\"+\r\n \"<div style='font-size:20px;font-weight:700;color:#C9A84C'>New Claim Submitted<\/div>\"+\r\n \"<div style='font-size:12px;color:rgba(255,255,255,0.5);margin-top:4px'>Ref: \"+claimNum+\"<\/div><\/div>\"+\r\n \"<div style='padding:24px 28px'>\"+\r\n \"<table style='width:100%;border-collapse:collapse;border:1px solid rgba(255,255,255,0.08);border-radius:8px;overflow:hidden'>\"+\r\n \"<tr style='background:rgba(255,255,255,0.05)'><td colspan='2' style='padding:8px 12px;color:#C9A84C;font-size:11px;font-weight:700;letter-spacing:.08em;font-family:Arial'>POLICYHOLDER<\/td><\/tr>\"+\r\n row(\"Policy Number\", payload.policy_number)+row(\"Name\",payload.policyholder_name)+row(\"ID\/Passport\",payload.policyholder_id_passport)+row(\"Phone\",payload.policyholder_contact)+row(\"Email\",payload.policyholder_email)+\r\n \"<tr style='background:rgba(255,255,255,0.05)'><td colspan='2' style='padding:8px 12px;color:#C9A84C;font-size:11px;font-weight:700;letter-spacing:.08em;font-family:Arial'>DECEASED<\/td><\/tr>\"+\r\n row(\"Name\",payload.deceased_name)+row(\"ID\/Passport\",payload.deceased_id_passport)+row(\"DOB\",payload.deceased_dob)+row(\"Date of Death\",payload.deceased_date_of_death)+row(\"Country of Death\",payload.deceased_country_of_death)+row(\"Cause\",payload.cause_of_death)+row(\"Place\",payload.place_of_death)+row(\"Hospital\",payload.hospital_institution)+row(\"Doctor\",payload.attending_authority)+\r\n \"<tr style='background:rgba(255,255,255,0.05)'><td colspan='2' style='padding:8px 12px;color:#C9A84C;font-size:11px;font-weight:700;letter-spacing:.08em;font-family:Arial'>BENEFICIARY<\/td><\/tr>\"+\r\n row(\"Name\",payload.beneficiary_name)+row(\"Relationship\",payload.beneficiary_relationship)+row(\"ID\/Passport\",payload.beneficiary_id_passport)+row(\"Contact\",payload.beneficiary_contact)+\r\n \"<tr style='background:rgba(255,255,255,0.05)'><td colspan='2' style='padding:8px 12px;color:#C9A84C;font-size:11px;font-weight:700;letter-spacing:.08em;font-family:Arial'>BANKING<\/td><\/tr>\"+\r\n row(\"Account Holder\",payload.bank_account_holder)+row(\"Bank\",payload.bank_name)+row(\"Account No.\",payload.bank_account_number)+row(\"SWIFT\/Branch\",payload.bank_swift_branch_code)+row(\"Country\",payload.bank_country)+\r\n \"<\/table>\"+\r\n (docLinks ? \"<p style='margin-top:16px;font-size:13px;color:#C9A84C;font-weight:700'>Documents: \"+docLinks+\"<\/p>\" : \"\")+\r\n \"<\/div><div style='padding:14px 28px;background:rgba(0,0,0,0.2);font-size:11px;color:rgba(255,255,255,0.3);text-align:center'>Mutual Lifeco Africa \u00b7 \"+new Date().toISOString()+\"<\/div><\/div>\";\r\n\r\n await fetch(SEND_EF,{\r\n method:\"POST\",\r\n headers:{\"Content-Type\":\"application\/json\",\"Authorization\":\"Bearer \"+ANON},\r\n body:JSON.stringify({ to:\"claims@mutuallife.africa\", subject:\"New Claim \u2014 \"+claimNum+\" \u2014 \"+payload.policyholder_name, html:adminHtml })\r\n }).catch(function(){});\r\n\r\n setProgress(85);\r\n\r\n \/\/ Send confirmation to claimant\r\n var confHtml = \"<div style='font-family:Arial,sans-serif;max-width:560px;margin:0 auto;background:#0D1454;color:#fff;border-radius:12px;overflow:hidden'>\"+\r\n \"<div style='background:linear-gradient(135deg,#1a237e,#0D1454);padding:32px 28px;border-bottom:1px solid rgba(201,168,76,0.3)'>\"+\r\n \"<div style='font-size:20px;font-weight:700;color:#C9A84C;margin-bottom:4px'>Mutual Life Africa<\/div>\"+\r\n \"<div style='font-size:13px;color:rgba(255,255,255,0.5)'>Claim Received<\/div><\/div>\"+\r\n \"<div style='padding:28px'>\"+\r\n \"<p style='font-size:16px;color:#fff;margin-bottom:12px'>Dear \"+esc(payload.policyholder_name)+\",<\/p>\"+\r\n \"<p style='font-size:14px;color:rgba(255,255,255,0.7);line-height:1.7;margin-bottom:16px'>We have received your claim and it is currently under review. Our claims team will assess your submission and contact you within <strong style='color:#C9A84C'>5\u201310 business days<\/strong>.<\/p>\"+\r\n \"<div style='background:rgba(201,168,76,0.08);border:1px solid rgba(201,168,76,0.2);border-radius:10px;padding:16px;margin:16px 0'>\"+\r\n \"<div style='font-family:Syne,sans-serif;font-size:11px;font-weight:700;color:#C9A84C;letter-spacing:.08em;margin-bottom:6px'>CLAIM REFERENCE<\/div>\"+\r\n \"<div style='font-size:18px;font-weight:700;color:#fff;font-family:monospace'>\"+claimNum+\"<\/div><\/div>\"+\r\n \"<p style='font-size:12px;color:rgba(255,255,255,0.4);line-height:1.6'>Please quote this reference in all correspondence. If you have any questions, contact us at <a href='mailto:claims@mutuallife.africa' style='color:#C9A84C'>claims@mutuallife.africa<\/a>.<\/p>\"+\r\n \"<\/div><div style='padding:16px 28px;background:rgba(0,0,0,0.2);font-size:11px;color:rgba(255,255,255,0.3);text-align:center'>Mutual Lifeco Africa \u00b7 420 Fifth Avenue, Manhattan, New York, NY 10018<\/div><\/div>\";\r\n\r\n await fetch(SEND_EF,{\r\n method:\"POST\",\r\n headers:{\"Content-Type\":\"application\/json\",\"Authorization\":\"Bearer \"+ANON},\r\n body:JSON.stringify({ to:payload.policyholder_email, subject:\"Claim Received \u2014 \"+claimNum+\" \u2014 Mutual Life Africa\", html:confHtml })\r\n }).catch(function(){});\r\n\r\n setProgress(100);\r\n hideOv();\r\n\r\n \/\/ Show success\r\n hideAll();\r\n document.getElementById(\"cl-steps\").style.display=\"none\";\r\n var okEl=document.getElementById(\"cl-ok\"); okEl.style.display=\"block\"; okEl.className=\"show\";\r\n document.getElementById(\"cl-ok-ref\").textContent=\"Claim Ref: \"+claimNum;\r\n window.scrollTo({top:0,behavior:\"smooth\"});\r\n }\r\n };\r\n\r\n function init(){\r\n buildDob(\"cl-dec-dob-wrap\",\"dob\");\r\n buildDob(\"cl-dec-dod-wrap\",\"dod\");\r\n CL.showStep(0);\r\n }\r\n\r\n if(document.readyState===\"loading\"){document.addEventListener(\"DOMContentLoaded\",init);}else{init();}\r\n})();\r\n<\/script>\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>Claims \u2014 Mutual Life Africa Claims Support \u00b7 Mutual Life Africa We’re HereWhen ItMatters Most When the time comes to make a claim, our process is designed to be clear, compassionate, and efficient. Everything you need is on this page. 30 min Acknowledged 48 hrs Full Resolution 24\/7 Support Scroll Claims Timeline \u2014 Mutual Life Africa Timeline at a Glance Resolved Within48 Hours From the moment you submit your claim, our team moves with urgency. Here is exactly what happens and when. 01 Step 01 Instant Claim Submitted Your claim is logged and you receive an automated confirmation with your unique reference number immediately. 02 Step 02 30 min Acknowledged A claims team member personally acknowledges your submission and confirms all documents received. 03 Step 03 3 hrs Assessment Our assessors review all documents, verify the policy, and check that the event is covered under your policy terms. 04 Step 04 6 hrs Review Senior review of the assessment finding and internal sign-off before a decision is communicated to you. 05 Step 05 12 hrs Verification Final compliance and identity verification completed. Banking details confirmed for payout. 06 Step 06 48 hrs Payout Approved claims are paid directly to the account provided, in your policy currency \u2014 USD, GBP, EUR or ZAR. Step by Step The ClaimsProcess Follow these six steps to submit a complete claim and avoid delays. Every claim is reviewed personally by our team. 01 Within 30 days Notify Us Immediately As soon as a claimable event occurs, contact Mutual Life Africa as soon as reasonably possible. Email claims@mutuallife.africa or call +1 667 317 7991. Early notification helps us guide you and prevent delays. 02 Before you start Gather Your Documents Collect all required documents before starting \u2014 death certificate, ID documents for the deceased and claimant, proof of banking, and any medical or police reports where applicable. 03 Instant confirmation Complete the Claim Form Complete the secure online claim form using the policyholder’s ID or passport number. The guided form covers all sections in one submission \u2014 policy details, cause of death, beneficiary, banking, and supporting documents. 04 Within 30 minutes Claim Acknowledged You will receive an automated confirmation with a unique claim reference immediately after submission. Our team will personally acknowledge receipt within 30 minutes during business hours and flag any outstanding items. 05 3\u201312 hours Assessment & Verification Our assessors review all documents, verify policy status, confirm premiums were up to date, and validate that the event is covered. Initial assessment takes around 3 hours, with senior review and compliance check completing within 12 hours. 06 Within 48 hours Decision & Payout You will be notified of the outcome by email. Approved claims are paid directly to the banking account provided within 48 hours in your policy currency. Transfers to cross-border beneficiaries may be subject to applicable banking fees. Claims Documents \u2014 Mutual Life Africa Document Checklist What You’llNeed All documents must be clear and legible. Certified copies are preferred. Files must be PDF, JPG or PNG, max 10MB each. 01 Death Certificate Official death certificate issued by the relevant government authority in the country of death. Required 02 Deceased ID \/ Passport Copy of the deceased person’s national identity document or valid passport. Required 03 Claimant ID \/ Passport Copy of the claimant’s (beneficiary’s) national identity document or valid passport. Required 04 Proof of Banking Recent bank statement or official bank letter confirming account holder name, bank name, and account number. Required 05 Medical Report Doctor’s report or hospital records. Required where cause of death is illness or a medical condition. Conditional 06 Police Report Required if the death was accidental, violent, or is under police investigation. Conditional Important Note Incomplete or unclear documents are the most common cause of claim delays. Ensure all documents are fully legible and correctly certified before uploading. If you are missing a document, your claim will still be logged. Email outstanding documents to claims@mutuallife.africa with your claim reference number. Documents in another language require an official English translation. File Requirements Accepted formatsPDF \u00b7 JPG \u00b7 PNG Max file size10 MB per file CertificationCertified preferred LanguageEnglish only Claims Exclusions \u2014 Mutual Life Africa Policy Exclusions What IsNot Covered The following circumstances may result in a claim being declined. Please review your full policy documents for the complete exclusions schedule. \u23f3Waiting Period Claims for events occurring within the first 6 months of the policy start date may not be eligible, unless the cause of death is accidental. \ud83d\udc8aPre-existing Conditions Deaths directly caused by conditions that existed before or at the time the policy was issued and were not disclosed during underwriting. \ud83d\udcb8Lapsed Policies Policies that were not active at the time of the event due to non-payment of premiums are not eligible for a payout. \ud83d\udeabFraudulent Claims Any claim containing false, misleading, or fraudulent information will be rejected and may be referred to relevant authorities. \u26a0\ufe0fSelf-inflicted Events Deaths resulting from self-inflicted injury or suicide within the first 24 months of the policy are excluded under standard terms. \u2694\ufe0fWar & Civil Unrest Deaths occurring as a direct result of war, invasion, civil war, rebellion, or participation in military or paramilitary activity. Claims FAQ \u2014 Mutual Life Africa Frequently Asked ClaimsFAQ Answers to the most common questions about making a claim. Contact our team directly if your question is not answered here. Who can submit a claim?+ A claim can be submitted by the policyholder, a named beneficiary, or a legal representative of the estate. The claimant must provide valid identity documents and proof of their relationship to the insured person. How long does processing take?+ We resolve all claims within 48 hours. Acknowledgement happens within 30 minutes, assessment within 3 hours, senior review within 6 hours, final verification within 12 hours, and payout is processed within 48 hours of submission. In which currency will my payout be made?+ Payouts are made in the currency of your policy \u2014 USD, GBP, EUR, or ZAR. International transfers may be subject to<\/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-12304","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/mutuallife.africa\/za\/wp-json\/wp\/v2\/pages\/12304","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mutuallife.africa\/za\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/mutuallife.africa\/za\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/mutuallife.africa\/za\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/mutuallife.africa\/za\/wp-json\/wp\/v2\/comments?post=12304"}],"version-history":[{"count":4,"href":"https:\/\/mutuallife.africa\/za\/wp-json\/wp\/v2\/pages\/12304\/revisions"}],"predecessor-version":[{"id":13148,"href":"https:\/\/mutuallife.africa\/za\/wp-json\/wp\/v2\/pages\/12304\/revisions\/13148"}],"wp:attachment":[{"href":"https:\/\/mutuallife.africa\/za\/wp-json\/wp\/v2\/media?parent=12304"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}

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\n\t\t\t\t\t\r\n\r\n\r\n\r\n\r\nClaims \u2014 Mutual Life Africa<\/title>\r\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\r\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Syne:wght@400;600;700;800&family=Philosopher:ital,wght@0,400;0,700;1,400;1,700&display=swap\" rel=\"stylesheet\">\r\n<style>\r\n:root{--white:#ffffff;--off:#f7f6f2;--ink:#0a0a0a;--muted:#6b6b6b;--light:#e8e4dc;--gold:#C9A84C;--gold2:#b8922e;--navy:#0D1454;--navy2:#1A237E;--border:rgba(0,0,0,.08);}\r\n*,*::before,*::after{box-sizing:border-box;margin:0;padding:0;}\r\nhtml{font-size:16px;}\r\nbody{background:var(--white);color:var(--ink);font-family:'Philosopher',serif;overflow-x:hidden;-webkit-font-smoothing:antialiased;}\r\n\r\n.hero{\r\n min-height:100svh;\r\n display:flex;flex-direction:column;justify-content:flex-end;\r\n padding:80px 24px 60px;\r\n position:relative;overflow:hidden;\r\n background:var(--white);\r\n}\r\n\r\n\/* animated geometry *\/\r\n.hero-geo{position:absolute;inset:0;pointer-events:none;overflow:hidden;}\r\n.geo-circle{position:absolute;border-radius:50%;border:1px solid rgba(201,168,76,.1);animation:geoRot 40s linear infinite;}\r\n.geo-circle:nth-child(1){width:min(600px,140vw);height:min(600px,140vw);top:-20%;right:-20%;animation-duration:44s;}\r\n.geo-circle:nth-child(2){width:min(380px,90vw);height:min(380px,90vw);top:-5%;right:5%;animation-duration:28s;animation-direction:reverse;}\r\n.geo-circle:nth-child(3){width:min(180px,50vw);height:min(180px,50vw);top:10%;right:20%;animation-duration:20s;}\r\n.geo-line{position:absolute;background:linear-gradient(90deg,transparent,rgba(201,168,76,.07),transparent);height:1px;left:0;right:0;}\r\n.geo-line:nth-child(4){top:30%;}\r\n.geo-line:nth-child(5){top:62%;}\r\n.geo-line:nth-child(6){top:84%;}\r\n@keyframes geoRot{to{transform:rotate(360deg);}}\r\n\r\n.hero-label{\r\n font-family:'Syne',sans-serif;font-size:10px;font-weight:700;\r\n letter-spacing:.2em;text-transform:uppercase;color:var(--gold2);\r\n margin-bottom:20px;display:flex;align-items:center;gap:12px;\r\n opacity:0;animation:fiu .8s .2s cubic-bezier(.16,1,.3,1) forwards;\r\n}\r\n.hero-label::before{content:'';width:28px;height:1px;background:var(--gold);}\r\n\r\nh1{\r\n font-family:'Philosopher',serif;\r\n font-size:clamp(44px,13vw,110px);\r\n font-weight:700;line-height:.93;\r\n letter-spacing:-.03em;color:var(--ink);\r\n margin-bottom:28px;\r\n opacity:0;animation:fiu .9s .35s cubic-bezier(.16,1,.3,1) forwards;\r\n}\r\nh1 em{font-style:italic;color:var(--gold2);}\r\n\r\n.hero-meta{\r\n display:flex;flex-direction:column;gap:20px;\r\n opacity:0;animation:fiu .9s .5s cubic-bezier(.16,1,.3,1) forwards;\r\n}\r\n.hero-desc{font-size:17px;color:var(--muted);line-height:1.7;max-width:480px;}\r\n.hero-stats{display:flex;gap:32px;flex-wrap:wrap;}\r\n.stat-num{font-family:'Syne',sans-serif;font-weight:800;font-size:24px;color:var(--ink);display:block;line-height:1;}\r\n.stat-lbl{font-family:'Syne',sans-serif;font-size:9px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);}\r\n\r\n.scroll-hint{\r\n display:flex;flex-direction:column;align-items:center;gap:8px;\r\n margin-top:40px;\r\n opacity:0;animation:fiu .8s .9s forwards;\r\n}\r\n.scroll-hint span{font-family:'Syne',sans-serif;font-size:9px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);}\r\n.scroll-line{width:1px;height:36px;background:linear-gradient(180deg,var(--gold),transparent);animation:sp 2s infinite;}\r\n@keyframes sp{0%,100%{opacity:.3}50%{opacity:1}}\r\n@keyframes fiu{from{opacity:0;transform:translateY(28px)}to{opacity:1;transform:none}}\r\n\r\n@media(min-width:640px){\r\n .hero{padding:80px 48px 80px;}\r\n .hero-meta{flex-direction:row;align-items:flex-end;justify-content:space-between;}\r\n .hero-stats{gap:48px;}\r\n}\r\n<\/style>\r\n<\/head>\r\n<body>\r\n<div class=\"hero\">\r\n <div class=\"hero-geo\">\r\n <div class=\"geo-circle\"><\/div>\r\n <div class=\"geo-circle\"><\/div>\r\n <div class=\"geo-circle\"><\/div>\r\n <div class=\"geo-line\"><\/div>\r\n <div class=\"geo-line\"><\/div>\r\n <div class=\"geo-line\"><\/div>\r\n <\/div>\r\n\r\n <div class=\"hero-label\">Claims Support \u00b7 Mutual Life Africa<\/div>\r\n\r\n <h1>We're Here<br>When It<br><em>Matters Most<\/em><\/h1>\r\n\r\n <div class=\"hero-meta\">\r\n <p class=\"hero-desc\">When the time comes to make a claim, our process is designed to be clear, compassionate, and efficient. Everything you need is on this page.<\/p>\r\n <div class=\"hero-stats\">\r\n <div>\r\n <span class=\"stat-num\">30 min<\/span>\r\n <span class=\"stat-lbl\">Acknowledged<\/span>\r\n <\/div>\r\n <div>\r\n <span class=\"stat-num\">48 hrs<\/span>\r\n <span class=\"stat-lbl\">Full Resolution<\/span>\r\n <\/div>\r\n <div>\r\n <span class=\"stat-num\">24\/7<\/span>\r\n <span class=\"stat-lbl\">Support<\/span>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"scroll-hint\">\r\n <span>Scroll<\/span>\r\n <div class=\"scroll-line\"><\/div>\r\n <\/div>\r\n<\/div>\r\n<\/body>\r\n<\/html>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-83039fa e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"83039fa\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{"background_background":"classic"}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0ae4366 elementor-widget elementor-widget-html\" data-id=\"0ae4366\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!DOCTYPE html>\r\n<html lang=\"en\">\r\n<head>\r\n<meta charset=\"UTF-8\">\r\n<meta name=\"viewport\" content=\"width=device-width, initial-scale=1.0\">\r\n<title>Claims Timeline \u2014 Mutual Life Africa<\/title>\r\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\r\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Syne:wght@400;600;700;800&family=Philosopher:ital,wght@0,400;0,700;1,400;1,700&display=swap\" rel=\"stylesheet\">\r\n<style>\r\n:root{--white:#ffffff;--off:#f7f6f2;--ink:#0a0a0a;--muted:#6b6b6b;--light:#e8e4dc;--gold:#C9A84C;--gold2:#b8922e;--navy:#0D1454;--border:rgba(0,0,0,.08);}\r\n*,*::before,*::after{box-sizing:border-box;margin:0;padding:0;}\r\nbody{background:var(--white);color:var(--ink);font-family:'Philosopher',serif;-webkit-font-smoothing:antialiased;}\r\n\r\n.widget{padding:56px 24px;}\r\n\r\n.reveal{opacity:0;transform:translateY(30px);transition:opacity .8s cubic-bezier(.16,1,.3,1),transform .8s cubic-bezier(.16,1,.3,1);}\r\n.reveal.visible{opacity:1;transform:none;}\r\n\r\n.sec-label{font-family:'Syne',sans-serif;font-size:10px;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--gold2);display:flex;align-items:center;gap:12px;margin-bottom:14px;}\r\n.sec-label::before{content:'';width:24px;height:1px;background:var(--gold);}\r\n.sec-title{font-family:'Philosopher',serif;font-weight:700;font-size:clamp(28px,7vw,46px);line-height:1.05;letter-spacing:-.02em;color:var(--ink);margin-bottom:12px;}\r\n.sec-title em{font-style:italic;color:var(--gold2);}\r\n.sec-body{font-size:16px;color:var(--muted);line-height:1.75;margin-bottom:36px;max-width:520px;}\r\n\r\n\/* Vertical mobile-first timeline *\/\r\n.tl-list{display:flex;flex-direction:column;position:relative;}\r\n.tl-list::before{\r\n content:'';position:absolute;left:19px;top:10px;bottom:10px;\r\n width:1px;background:linear-gradient(180deg,var(--gold),rgba(201,168,76,.1));\r\n}\r\n\r\n.tl-item{\r\n 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8px 0;}\r\n .tl-body{padding-top:12px;}\r\n .tl-desc{display:none;}\r\n}\r\n<\/style>\r\n<\/head>\r\n<body>\r\n<div class=\"widget\">\r\n <div class=\"reveal\">\r\n <div class=\"sec-label\">Timeline at a Glance<\/div>\r\n <div class=\"sec-title\">Resolved Within<br><em>48 Hours<\/em><\/div>\r\n <p class=\"sec-body\">From the moment you submit your claim, our team moves with urgency. Here is exactly what happens and when.<\/p>\r\n <\/div>\r\n\r\n <div class=\"tl-list\">\r\n\r\n <div class=\"tl-item reveal\" style=\"transition-delay:.05s\">\r\n <div class=\"tl-dot\">01<\/div>\r\n <div class=\"tl-body\">\r\n <div class=\"tl-step\">Step 01<\/div>\r\n <div class=\"tl-time\">Instant<\/div>\r\n <div class=\"tl-name\">Claim Submitted<\/div>\r\n <div class=\"tl-desc\">Your claim is logged and you receive an automated confirmation with your unique reference number immediately.<\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"tl-item reveal\" style=\"transition-delay:.1s\">\r\n <div class=\"tl-dot\">02<\/div>\r\n <div class=\"tl-body\">\r\n <div class=\"tl-step\">Step 02<\/div>\r\n <div class=\"tl-time\">30 min<\/div>\r\n <div class=\"tl-name\">Acknowledged<\/div>\r\n <div class=\"tl-desc\">A claims team member personally acknowledges your submission and confirms all documents received.<\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"tl-item reveal\" style=\"transition-delay:.15s\">\r\n <div class=\"tl-dot\">03<\/div>\r\n <div class=\"tl-body\">\r\n <div class=\"tl-step\">Step 03<\/div>\r\n <div class=\"tl-time\">3 hrs<\/div>\r\n <div class=\"tl-name\">Assessment<\/div>\r\n <div class=\"tl-desc\">Our assessors review all documents, verify the policy, and check that the event is covered under your policy terms.<\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"tl-item reveal\" style=\"transition-delay:.2s\">\r\n <div class=\"tl-dot\">04<\/div>\r\n <div class=\"tl-body\">\r\n <div class=\"tl-step\">Step 04<\/div>\r\n <div class=\"tl-time\">6 hrs<\/div>\r\n <div class=\"tl-name\">Review<\/div>\r\n <div class=\"tl-desc\">Senior review of the assessment finding and internal sign-off before a decision is communicated to you.<\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"tl-item reveal\" style=\"transition-delay:.25s\">\r\n <div class=\"tl-dot\">05<\/div>\r\n <div class=\"tl-body\">\r\n <div class=\"tl-step\">Step 05<\/div>\r\n <div class=\"tl-time\">12 hrs<\/div>\r\n <div class=\"tl-name\">Verification<\/div>\r\n <div class=\"tl-desc\">Final compliance and identity verification completed. Banking details confirmed for payout.<\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"tl-item reveal\" style=\"transition-delay:.3s\">\r\n <div class=\"tl-dot\">06<\/div>\r\n <div class=\"tl-body\">\r\n <div class=\"tl-step\">Step 06<\/div>\r\n <div class=\"tl-time\">48 hrs<\/div>\r\n <div class=\"tl-name\">Payout<\/div>\r\n <div class=\"tl-desc\">Approved claims are paid directly to the account provided, in your policy currency \u2014 USD, GBP, EUR or ZAR.<\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <\/div>\r\n<\/div>\r\n\r\n<script>\r\nvar obs=new IntersectionObserver(function(e){e.forEach(function(x){if(x.isIntersecting){x.target.classList.add('visible');obs.unobserve(x.target);}});},{threshold:.1,rootMargin:'0px 0px -30px 0px'});\r\ndocument.querySelectorAll('.reveal').forEach(function(el){obs.observe(el);});\r\n<\/script>\r\n<\/body>\r\n<\/html>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-73b6d4b e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"73b6d4b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5ae6cc5 elementor-widget elementor-widget-html\" data-id=\"5ae6cc5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\r\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Syne:wght@400;600;700;800&family=Philosopher:ital,wght@0,400;0,700;1,400;1,700&display=swap\" rel=\"stylesheet\">\r\n<style>\r\n:root{--white:#ffffff;--off:#f7f6f2;--ink:#0a0a0a;--muted:#6b6b6b;--light:#e8e4dc;--gold:#C9A84C;--gold2:#b8922e;--border:rgba(0,0,0,.08);--green:#2e7d5e;}\r\n*,*::before,*::after{box-sizing:border-box;margin:0;padding:0;}\r\n.widget{background:var(--white);padding:48px 20px;font-family:'Philosopher',serif;-webkit-font-smoothing:antialiased;}\r\n.reveal{opacity:0;transform:translateY(24px);transition:opacity .7s cubic-bezier(.16,1,.3,1),transform .7s cubic-bezier(.16,1,.3,1);}\r\n.reveal.visible{opacity:1;transform:none;}\r\n.sec-label{font-family:'Syne',sans-serif;font-size:10px;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--gold2);display:flex;align-items:center;gap:10px;margin-bottom:12px;}\r\n.sec-label::before{content:'';width:20px;height:1px;background:var(--gold);}\r\n.sec-title{font-family:'Philosopher',serif;font-weight:700;font-size:clamp(24px,5vw,42px);line-height:1.1;letter-spacing:-.02em;color:var(--ink);margin-bottom:10px;}\r\n.sec-title em{font-style:italic;color:var(--gold2);}\r\n.sec-body{font-size:15px;color:var(--muted);line-height:1.75;margin-bottom:32px;max-width:520px;}\r\n.cards{display:flex;flex-direction:column;gap:2px;background:var(--border);border:1px solid var(--border);border-radius:16px;overflow:hidden;}\r\n.card{background:var(--white);padding:22px 18px;position:relative;transition:background .3s;}\r\n.card:hover{background:var(--off);}\r\n.card-num{font-family:'Syne',sans-serif;font-weight:800;font-size:28px;color:var(--light);line-height:1;letter-spacing:-.03em;margin-bottom:8px;transition:color .3s;}\r\n.card:hover .card-num{color:rgba(0,0,0,.12);}\r\n.card-tag{margin-bottom:8px;}\r\n.tag{font-family:'Syne',sans-serif;font-size:9px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;padding:4px 10px;border-radius:20px;white-space:nowrap;display:inline-block;}\r\n.tag-instant{background:rgba(46,125,94,.08);color:var(--green);border:1px solid rgba(46,125,94,.15);}\r\n.tag-days{background:rgba(201,168,76,.08);color:var(--gold2);border:1px solid rgba(201,168,76,.2);}\r\n.tag-action{background:rgba(0,0,0,.04);color:var(--muted);border:1px solid var(--border);}\r\n.card-title{font-family:'Philosopher',serif;font-weight:700;font-size:17px;color:var(--ink);line-height:1.25;margin-bottom:10px;}\r\n.card-desc{font-size:14px;color:var(--muted);line-height:1.8;}\r\n.card-accent{position:absolute;bottom:0;left:0;right:0;height:2px;background:linear-gradient(90deg,var(--gold),transparent);transform:scaleX(0);transform-origin:left;transition:transform .4s cubic-bezier(.16,1,.3,1);}\r\n.card:hover .card-accent{transform:scaleX(1);}\r\n@media(min-width:700px){\r\n .widget{padding:72px 48px;}\r\n .cards{display:grid;grid-template-columns:1fr 1fr;}\r\n .card{padding:28px 24px;}\r\n .card-num{font-size:40px;margin-bottom:10px;}\r\n .card-title{font-size:19px;}\r\n .card-desc{font-size:15px;}\r\n}\r\n<\/style>\r\n\r\n<div class=\"widget\">\r\n\r\n <div class=\"reveal\">\r\n <div class=\"sec-label\">Step by Step<\/div>\r\n <div class=\"sec-title\">The Claims<br><em>Process<\/em><\/div>\r\n <p class=\"sec-body\">Follow these six steps to submit a complete claim and avoid delays. Every claim is reviewed personally by our team.<\/p>\r\n <\/div>\r\n\r\n <div class=\"cards\">\r\n\r\n <div class=\"card reveal\" style=\"transition-delay:.05s\">\r\n <div class=\"card-num\">01<\/div>\r\n <div class=\"card-tag\"><span class=\"tag tag-action\">Within 30 days<\/span><\/div>\r\n <div class=\"card-title\">Notify Us Immediately<\/div>\r\n <p class=\"card-desc\">As soon as a claimable event occurs, contact Mutual Life Africa as soon as reasonably possible. Email <strong>claims@mutuallife.africa<\/strong> or call +1 667 317 7991. Early notification helps us guide you and prevent delays.<\/p>\r\n <div class=\"card-accent\"><\/div>\r\n <\/div>\r\n\r\n <div class=\"card reveal\" style=\"transition-delay:.1s\">\r\n <div class=\"card-num\">02<\/div>\r\n <div class=\"card-tag\"><span class=\"tag tag-action\">Before you start<\/span><\/div>\r\n <div class=\"card-title\">Gather Your Documents<\/div>\r\n <p class=\"card-desc\">Collect all required documents before starting \u2014 death certificate, ID documents for the deceased and claimant, proof of banking, and any medical or police reports where applicable.<\/p>\r\n <div class=\"card-accent\"><\/div>\r\n <\/div>\r\n\r\n <div class=\"card reveal\" style=\"transition-delay:.15s\">\r\n <div class=\"card-num\">03<\/div>\r\n <div class=\"card-tag\"><span class=\"tag tag-instant\">Instant confirmation<\/span><\/div>\r\n <div class=\"card-title\">Complete the Claim Form<\/div>\r\n <p class=\"card-desc\">Complete the secure online claim form using the policyholder's ID or passport number. The guided form covers all sections in one submission \u2014 policy details, cause of death, beneficiary, banking, and supporting documents.<\/p>\r\n <div class=\"card-accent\"><\/div>\r\n <\/div>\r\n\r\n <div class=\"card reveal\" style=\"transition-delay:.2s\">\r\n <div class=\"card-num\">04<\/div>\r\n <div class=\"card-tag\"><span class=\"tag tag-days\">Within 30 minutes<\/span><\/div>\r\n <div class=\"card-title\">Claim Acknowledged<\/div>\r\n <p class=\"card-desc\">You will receive an automated confirmation with a unique claim reference immediately after submission. Our team will personally acknowledge receipt within 30 minutes during business hours and flag any outstanding items.<\/p>\r\n <div class=\"card-accent\"><\/div>\r\n <\/div>\r\n\r\n <div class=\"card reveal\" style=\"transition-delay:.25s\">\r\n <div class=\"card-num\">05<\/div>\r\n <div class=\"card-tag\"><span class=\"tag tag-days\">3\u201312 hours<\/span><\/div>\r\n <div class=\"card-title\">Assessment & Verification<\/div>\r\n <p class=\"card-desc\">Our assessors review all documents, verify policy status, confirm premiums were up to date, and validate that the event is covered. Initial assessment takes around 3 hours, with senior review and compliance check completing within 12 hours.<\/p>\r\n <div class=\"card-accent\"><\/div>\r\n <\/div>\r\n\r\n <div class=\"card reveal\" style=\"transition-delay:.3s\">\r\n <div class=\"card-num\">06<\/div>\r\n <div class=\"card-tag\"><span class=\"tag tag-days\">Within 48 hours<\/span><\/div>\r\n <div class=\"card-title\">Decision & Payout<\/div>\r\n <p class=\"card-desc\">You will be notified of the outcome by email. Approved claims are paid directly to the banking account provided within 48 hours in your policy currency. Transfers to cross-border beneficiaries may be subject to applicable banking fees.<\/p>\r\n <div class=\"card-accent\"><\/div>\r\n <\/div>\r\n\r\n <\/div>\r\n<\/div>\r\n\r\n<script>\r\nvar obs=new IntersectionObserver(function(e){e.forEach(function(x){if(x.isIntersecting){x.target.classList.add('visible');obs.unobserve(x.target);}});},{threshold:.08,rootMargin:'0px 0px -30px 0px'});\r\ndocument.querySelectorAll('.reveal').forEach(function(el){obs.observe(el);});\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3f96896 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"3f96896\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{"background_background":"classic"}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-18ed538 elementor-widget elementor-widget-html\" data-id=\"18ed538\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!DOCTYPE html>\r\n<html lang=\"en\">\r\n<head>\r\n<meta charset=\"UTF-8\">\r\n<meta name=\"viewport\" content=\"width=device-width, initial-scale=1.0\">\r\n<title>Claims Documents \u2014 Mutual Life Africa<\/title>\r\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\r\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Syne:wght@400;600;700;800&family=Philosopher:ital,wght@0,400;0,700;1,400;1,700&display=swap\" rel=\"stylesheet\">\r\n<style>\r\n:root{--white:#ffffff;--off:#f7f6f2;--ink:#0a0a0a;--muted:#6b6b6b;--light:#e8e4dc;--gold:#C9A84C;--gold2:#b8922e;--red:#c0392b;--border:rgba(0,0,0,.08);}\r\n*,*::before,*::after{box-sizing:border-box;margin:0;padding:0;}\r\nbody{background:var(--white);color:var(--ink);font-family:'Philosopher',serif;-webkit-font-smoothing:antialiased;}\r\n\r\n.widget{padding:56px 24px;}\r\n\r\n.reveal{opacity:0;transform:translateY(30px);transition:opacity .8s cubic-bezier(.16,1,.3,1),transform .8s cubic-bezier(.16,1,.3,1);}\r\n.reveal-right{opacity:0;transform:translateX(30px);transition:opacity .8s cubic-bezier(.16,1,.3,1),transform .8s cubic-bezier(.16,1,.3,1);}\r\n.reveal.visible,.reveal-right.visible{opacity:1;transform:none;}\r\n\r\n.sec-label{font-family:'Syne',sans-serif;font-size:10px;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--gold2);display:flex;align-items:center;gap:12px;margin-bottom:14px;}\r\n.sec-label::before{content:'';width:24px;height:1px;background:var(--gold);}\r\n.sec-title{font-family:'Philosopher',serif;font-weight:700;font-size:clamp(28px,7vw,46px);line-height:1.05;letter-spacing:-.02em;color:var(--ink);margin-bottom:12px;}\r\n.sec-title em{font-style:italic;color:var(--gold2);}\r\n.sec-body{font-size:16px;color:var(--muted);line-height:1.75;margin-bottom:36px;max-width:520px;}\r\n\r\n\/* Doc rows *\/\r\n.doc-list{display:flex;flex-direction:column;}\r\n.doc-row{\r\n display:flex;gap:16px;align-items:flex-start;\r\n padding:18px 0;border-bottom:1px solid var(--border);\r\n transition:padding-left .25s;\r\n}\r\n.doc-row:first-child{border-top:1px solid var(--border);}\r\n.doc-row:hover{padding-left:6px;}\r\n.doc-num{font-family:'Syne',sans-serif;font-weight:800;font-size:11px;color:var(--light);flex-shrink:0;width:22px;padding-top:3px;transition:color .25s;}\r\n.doc-row:hover .doc-num{color:var(--gold2);}\r\n.doc-name{font-family:'Philosopher',serif;font-weight:700;font-size:17px;color:var(--ink);margin-bottom:3px;}\r\n.doc-desc{font-size:14px;color:var(--muted);line-height:1.6;margin-bottom:6px;}\r\n.pill{display:inline-flex;align-items:center;font-family:'Syne',sans-serif;font-size:9px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;padding:3px 10px;border-radius:20px;}\r\n.pill-req{background:rgba(192,57,43,.06);color:var(--red);border:1px solid rgba(192,57,43,.15);}\r\n.pill-cond{background:rgba(201,168,76,.07);color:var(--gold2);border:1px solid rgba(201,168,76,.18);}\r\n\r\n\/* Info panels *\/\r\n.info-panels{display:flex;flex-direction:column;gap:14px;margin-top:32px;}\r\n\r\n.info-note{\r\n background:var(--off);border-left:3px solid var(--gold);\r\n border-radius:0 12px 12px 0;padding:22px 20px;\r\n}\r\n.info-note-title{font-family:'Syne',sans-serif;font-weight:700;font-size:10px;letter-spacing:.1em;text-transform:uppercase;color:var(--gold2);margin-bottom:10px;}\r\n.info-note p{font-size:14px;color:var(--muted);line-height:1.7;margin-bottom:10px;}\r\n.info-note p:last-child{margin-bottom:0;}\r\n.info-note strong{color:var(--ink);}\r\n\r\n.specs{background:var(--off);border-radius:12px;padding:20px;}\r\n.specs-title{font-family:'Syne',sans-serif;font-size:10px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin-bottom:14px;}\r\n.spec-row{display:flex;justify-content:space-between;align-items:center;font-size:14px;padding:8px 0;border-bottom:1px solid var(--border);}\r\n.spec-row:last-child{border-bottom:none;}\r\n.spec-lbl{color:var(--muted);}\r\n.spec-val{font-family:'Syne',sans-serif;font-weight:700;font-size:12px;color:var(--ink);}\r\n\r\n@media(min-width:800px){\r\n .widget{padding:72px 48px;}\r\n .layout{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:start;}\r\n .info-panels{margin-top:0;}\r\n}\r\n<\/style>\r\n<\/head>\r\n<body>\r\n<div class=\"widget\">\r\n <div class=\"reveal\">\r\n <div class=\"sec-label\">Document Checklist<\/div>\r\n <div class=\"sec-title\">What You'll<br><em>Need<\/em><\/div>\r\n <p class=\"sec-body\">All documents must be clear and legible. Certified copies are preferred. Files must be PDF, JPG or PNG, max 10MB each.<\/p>\r\n <\/div>\r\n\r\n <div class=\"layout\">\r\n <div class=\"doc-list\">\r\n\r\n <div class=\"doc-row reveal\" style=\"transition-delay:.05s\">\r\n <span class=\"doc-num\">01<\/span>\r\n <div>\r\n <div class=\"doc-name\">Death Certificate<\/div>\r\n <div class=\"doc-desc\">Official death certificate issued by the relevant government authority in the country of death.<\/div>\r\n <span class=\"pill pill-req\">Required<\/span>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"doc-row reveal\" style=\"transition-delay:.1s\">\r\n <span class=\"doc-num\">02<\/span>\r\n <div>\r\n <div class=\"doc-name\">Deceased ID \/ Passport<\/div>\r\n <div class=\"doc-desc\">Copy of the deceased person's national identity document or valid passport.<\/div>\r\n <span class=\"pill pill-req\">Required<\/span>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"doc-row reveal\" style=\"transition-delay:.15s\">\r\n <span class=\"doc-num\">03<\/span>\r\n <div>\r\n <div class=\"doc-name\">Claimant ID \/ Passport<\/div>\r\n <div class=\"doc-desc\">Copy of the claimant's (beneficiary's) national identity document or valid passport.<\/div>\r\n <span class=\"pill pill-req\">Required<\/span>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"doc-row reveal\" style=\"transition-delay:.2s\">\r\n <span class=\"doc-num\">04<\/span>\r\n <div>\r\n <div class=\"doc-name\">Proof of Banking<\/div>\r\n <div class=\"doc-desc\">Recent bank statement or official bank letter confirming account holder name, bank name, and account number.<\/div>\r\n <span class=\"pill pill-req\">Required<\/span>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"doc-row reveal\" style=\"transition-delay:.25s\">\r\n <span class=\"doc-num\">05<\/span>\r\n <div>\r\n <div class=\"doc-name\">Medical Report<\/div>\r\n <div class=\"doc-desc\">Doctor's report or hospital records. Required where cause of death is illness or a medical condition.<\/div>\r\n <span class=\"pill pill-cond\">Conditional<\/span>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"doc-row reveal\" style=\"transition-delay:.3s\">\r\n <span class=\"doc-num\">06<\/span>\r\n <div>\r\n <div class=\"doc-name\">Police Report<\/div>\r\n <div class=\"doc-desc\">Required if the death was accidental, violent, or is under police investigation.<\/div>\r\n <span class=\"pill pill-cond\">Conditional<\/span>\r\n <\/div>\r\n <\/div>\r\n\r\n <\/div>\r\n\r\n <div class=\"info-panels reveal-right\" style=\"transition-delay:.15s\">\r\n <div class=\"info-note\">\r\n <div class=\"info-note-title\">Important Note<\/div>\r\n <p>Incomplete or unclear documents are the most common cause of claim delays. Ensure all documents are fully legible and correctly certified before uploading.<\/p>\r\n <p>If you are missing a document, your claim will still be logged. Email outstanding documents to <strong>claims@mutuallife.africa<\/strong> with your claim reference number.<\/p>\r\n <p>Documents in another language require an <strong>official English translation<\/strong>.<\/p>\r\n <\/div>\r\n\r\n <div class=\"specs\">\r\n <div class=\"specs-title\">File Requirements<\/div>\r\n <div class=\"spec-row\"><span class=\"spec-lbl\">Accepted formats<\/span><span class=\"spec-val\">PDF \u00b7 JPG \u00b7 PNG<\/span><\/div>\r\n <div class=\"spec-row\"><span class=\"spec-lbl\">Max file size<\/span><span class=\"spec-val\">10 MB per file<\/span><\/div>\r\n <div class=\"spec-row\"><span class=\"spec-lbl\">Certification<\/span><span class=\"spec-val\">Certified preferred<\/span><\/div>\r\n <div class=\"spec-row\"><span class=\"spec-lbl\">Language<\/span><span class=\"spec-val\">English only<\/span><\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n<\/div>\r\n\r\n<script>\r\nvar obs=new IntersectionObserver(function(e){e.forEach(function(x){if(x.isIntersecting){x.target.classList.add('visible');obs.unobserve(x.target);}});},{threshold:.08,rootMargin:'0px 0px -30px 0px'});\r\ndocument.querySelectorAll('.reveal,.reveal-right').forEach(function(el){obs.observe(el);});\r\n<\/script>\r\n<\/body>\r\n<\/html>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2f53e91 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"2f53e91\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{"background_background":"classic"}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1258c2f elementor-widget elementor-widget-html\" data-id=\"1258c2f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!DOCTYPE html>\r\n<html lang=\"en\">\r\n<head>\r\n<meta charset=\"UTF-8\">\r\n<meta name=\"viewport\" content=\"width=device-width, initial-scale=1.0\">\r\n<title>Claims Exclusions \u2014 Mutual Life Africa<\/title>\r\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\r\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Syne:wght@400;600;700;800&family=Philosopher:ital,wght@0,400;0,700;1,400;1,700&display=swap\" rel=\"stylesheet\">\r\n<style>\r\n:root{--white:#ffffff;--off:#f7f6f2;--ink:#0a0a0a;--muted:#6b6b6b;--gold:#C9A84C;--gold2:#b8922e;--red:#c0392b;--border:rgba(0,0,0,.08);}\r\n*,*::before,*::after{box-sizing:border-box;margin:0;padding:0;}\r\nbody{background:var(--white);color:var(--ink);font-family:'Philosopher',serif;-webkit-font-smoothing:antialiased;}\r\n\r\n.widget{padding:56px 24px;}\r\n\r\n.reveal{opacity:0;transform:translateY(30px);transition:opacity .8s cubic-bezier(.16,1,.3,1),transform .8s cubic-bezier(.16,1,.3,1);}\r\n.reveal.visible{opacity:1;transform:none;}\r\n\r\n.sec-label{font-family:'Syne',sans-serif;font-size:10px;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--gold2);display:flex;align-items:center;gap:12px;margin-bottom:14px;}\r\n.sec-label::before{content:'';width:24px;height:1px;background:var(--gold);}\r\n.sec-title{font-family:'Philosopher',serif;font-weight:700;font-size:clamp(28px,7vw,46px);line-height:1.05;letter-spacing:-.02em;color:var(--ink);margin-bottom:12px;}\r\n.sec-title em{font-style:italic;color:var(--gold2);}\r\n.sec-body{font-size:16px;color:var(--muted);line-height:1.75;margin-bottom:36px;max-width:520px;}\r\n\r\n.grid{display:flex;flex-direction:column;gap:12px;}\r\n\r\n.excl-card{\r\n border:1px solid var(--border);border-radius:16px;padding:24px 20px;\r\n position:relative;overflow:hidden;\r\n transition:border-color .3s,transform .3s;background:var(--white);\r\n}\r\n.excl-card:hover{border-color:rgba(192,57,43,.2);transform:translateY(-2px);}\r\n.excl-card::before{\r\n content:'';position:absolute;top:0;left:0;right:0;height:2px;\r\n background:linear-gradient(90deg,var(--red),transparent);\r\n opacity:0;transition:opacity .3s;\r\n}\r\n.excl-card:hover::before{opacity:1;}\r\n\r\n.excl-top{display:flex;align-items:center;gap:12px;margin-bottom:10px;}\r\n.excl-icon{font-size:22px;flex-shrink:0;}\r\n.excl-title{font-family:'Philosopher',serif;font-weight:700;font-size:18px;color:var(--ink);}\r\n.excl-desc{font-size:14px;color:var(--muted);line-height:1.65;}\r\n\r\n@media(min-width:600px){\r\n .widget{padding:72px 48px;}\r\n .grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;}\r\n}\r\n@media(min-width:1000px){\r\n .grid{grid-template-columns:1fr 1fr 1fr;}\r\n}\r\n<\/style>\r\n<\/head>\r\n<body>\r\n<div class=\"widget\">\r\n <div class=\"reveal\">\r\n <div class=\"sec-label\">Policy Exclusions<\/div>\r\n <div class=\"sec-title\">What Is<br><em>Not Covered<\/em><\/div>\r\n <p class=\"sec-body\">The following circumstances may result in a claim being declined. Please review your full policy documents for the complete exclusions schedule.<\/p>\r\n <\/div>\r\n\r\n <div class=\"grid\">\r\n\r\n <div class=\"excl-card reveal\" style=\"transition-delay:.05s\">\r\n <div class=\"excl-top\"><span class=\"excl-icon\">\u23f3<\/span><div class=\"excl-title\">Waiting Period<\/div><\/div>\r\n <p class=\"excl-desc\">Claims for events occurring within the first 6 months of the policy start date may not be eligible, unless the cause of death is accidental.<\/p>\r\n <\/div>\r\n\r\n <div class=\"excl-card reveal\" style=\"transition-delay:.1s\">\r\n <div class=\"excl-top\"><span class=\"excl-icon\">\ud83d\udc8a<\/span><div class=\"excl-title\">Pre-existing Conditions<\/div><\/div>\r\n <p class=\"excl-desc\">Deaths directly caused by conditions that existed before or at the time the policy was issued and were not disclosed during underwriting.<\/p>\r\n <\/div>\r\n\r\n <div class=\"excl-card reveal\" style=\"transition-delay:.15s\">\r\n <div class=\"excl-top\"><span class=\"excl-icon\">\ud83d\udcb8<\/span><div class=\"excl-title\">Lapsed Policies<\/div><\/div>\r\n <p class=\"excl-desc\">Policies that were not active at the time of the event due to non-payment of premiums are not eligible for a payout.<\/p>\r\n <\/div>\r\n\r\n <div class=\"excl-card reveal\" style=\"transition-delay:.2s\">\r\n <div class=\"excl-top\"><span class=\"excl-icon\">\ud83d\udeab<\/span><div class=\"excl-title\">Fraudulent Claims<\/div><\/div>\r\n <p class=\"excl-desc\">Any claim containing false, misleading, or fraudulent information will be rejected and may be referred to relevant authorities.<\/p>\r\n <\/div>\r\n\r\n <div class=\"excl-card reveal\" style=\"transition-delay:.25s\">\r\n <div class=\"excl-top\"><span class=\"excl-icon\">\u26a0\ufe0f<\/span><div class=\"excl-title\">Self-inflicted Events<\/div><\/div>\r\n <p class=\"excl-desc\">Deaths resulting from self-inflicted injury or suicide within the first 24 months of the policy are excluded under standard terms.<\/p>\r\n <\/div>\r\n\r\n <div class=\"excl-card reveal\" style=\"transition-delay:.3s\">\r\n <div class=\"excl-top\"><span class=\"excl-icon\">\u2694\ufe0f<\/span><div class=\"excl-title\">War & Civil Unrest<\/div><\/div>\r\n <p class=\"excl-desc\">Deaths occurring as a direct result of war, invasion, civil war, rebellion, or participation in military or paramilitary activity.<\/p>\r\n <\/div>\r\n\r\n <\/div>\r\n<\/div>\r\n\r\n<script>\r\nvar obs=new IntersectionObserver(function(e){e.forEach(function(x){if(x.isIntersecting){x.target.classList.add('visible');obs.unobserve(x.target);}});},{threshold:.08,rootMargin:'0px 0px -30px 0px'});\r\ndocument.querySelectorAll('.reveal').forEach(function(el){obs.observe(el);});\r\n<\/script>\r\n<\/body>\r\n<\/html>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b26f0ec e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"b26f0ec\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{"background_background":"classic"}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5dad221 elementor-widget elementor-widget-html\" data-id=\"5dad221\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!DOCTYPE html>\r\n<html lang=\"en\">\r\n<head>\r\n<meta charset=\"UTF-8\">\r\n<meta name=\"viewport\" content=\"width=device-width, initial-scale=1.0\">\r\n<title>Claims FAQ \u2014 Mutual Life Africa<\/title>\r\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\r\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Syne:wght@400;600;700;800&family=Philosopher:ital,wght@0,400;0,700;1,400;1,700&display=swap\" rel=\"stylesheet\">\r\n<style>\r\n:root{--white:#ffffff;--off:#f7f6f2;--ink:#0a0a0a;--muted:#6b6b6b;--gold:#C9A84C;--gold2:#b8922e;--border:rgba(0,0,0,.08);}\r\n*,*::before,*::after{box-sizing:border-box;margin:0;padding:0;}\r\nbody{background:var(--white);color:var(--ink);font-family:'Philosopher',serif;-webkit-font-smoothing:antialiased;}\r\n\r\n.widget{padding:56px 24px;}\r\n\r\n.reveal{opacity:0;transform:translateY(30px);transition:opacity .8s cubic-bezier(.16,1,.3,1),transform .8s cubic-bezier(.16,1,.3,1);}\r\n.reveal.visible{opacity:1;transform:none;}\r\n\r\n.sec-label{font-family:'Syne',sans-serif;font-size:10px;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--gold2);display:flex;align-items:center;gap:12px;margin-bottom:14px;}\r\n.sec-label::before{content:'';width:24px;height:1px;background:var(--gold);}\r\n.sec-title{font-family:'Philosopher',serif;font-weight:700;font-size:clamp(28px,7vw,46px);line-height:1.05;letter-spacing:-.02em;color:var(--ink);margin-bottom:12px;}\r\n.sec-title em{font-style:italic;color:var(--gold2);}\r\n.sec-body{font-size:16px;color:var(--muted);line-height:1.75;margin-bottom:36px;max-width:520px;}\r\n\r\n.faq-list{display:flex;flex-direction:column;}\r\n\r\n.faq-item{border-bottom:1px solid var(--border);overflow:hidden;}\r\n.faq-item:first-child{border-top:1px solid var(--border);}\r\n\r\n.faq-btn{\r\n width:100%;text-align:left;background:none;border:none;\r\n padding:22px 0;cursor:pointer;\r\n 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1.6fr;gap:72px;align-items:start;}\r\n .header-col{position:sticky;top:32px;}\r\n .sec-body{margin-bottom:0;}\r\n}\r\n<\/style>\r\n<\/head>\r\n<body>\r\n<div class=\"widget\">\r\n <div class=\"layout\">\r\n <div class=\"header-col reveal\">\r\n <div class=\"sec-label\">Frequently Asked<\/div>\r\n <div class=\"sec-title\">Claims<br><em>FAQ<\/em><\/div>\r\n <p class=\"sec-body\">Answers to the most common questions about making a claim. Contact our team directly if your question is not answered here.<\/p>\r\n <\/div>\r\n\r\n <div class=\"faq-list reveal\" style=\"transition-delay:.1s\">\r\n\r\n <div class=\"faq-item\">\r\n <button class=\"faq-btn\" onclick=\"toggleFaq(this)\">Who can submit a claim?<span class=\"faq-icon\">+<\/span><\/button>\r\n <div class=\"faq-body\">A claim can be submitted by the policyholder, a named beneficiary, or a legal representative of the estate. The claimant must provide valid identity documents and proof of their relationship to the insured person.<\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <button class=\"faq-btn\" onclick=\"toggleFaq(this)\">How long does processing take?<span class=\"faq-icon\">+<\/span><\/button>\r\n <div class=\"faq-body\">We resolve all claims within 48 hours. Acknowledgement happens within 30 minutes, assessment within 3 hours, senior review within 6 hours, final verification within 12 hours, and payout is processed within 48 hours of submission.<\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <button class=\"faq-btn\" onclick=\"toggleFaq(this)\">In which currency will my payout be made?<span class=\"faq-icon\">+<\/span><\/button>\r\n <div class=\"faq-body\">Payouts are made in the currency of your policy \u2014 USD, GBP, EUR, or ZAR. International transfers may be subject to exchange rate variations and fees charged by the receiving bank. Mutual Life Africa is not responsible for third-party banking charges.<\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <button class=\"faq-btn\" onclick=\"toggleFaq(this)\">What if I'm missing a document?<span class=\"faq-icon\">+<\/span><\/button>\r\n <div class=\"faq-body\">Your claim will still be logged, but assessment cannot begin until all required documents are received. Our team will contact you with a list of outstanding items. Email missing documents to claims@mutuallife.africa quoting your claim reference number.<\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <button class=\"faq-btn\" onclick=\"toggleFaq(this)\">Can I check the status of my claim?<span class=\"faq-icon\">+<\/span><\/button>\r\n <div class=\"faq-body\">Yes. Email claims@mutuallife.africa with your claim reference number for a status update. You can also call our US\/International line on +1 667 317 7991 or our Africa support line on +27 87 265 8885 during business hours.<\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <button class=\"faq-btn\" onclick=\"toggleFaq(this)\">What if my claim is declined?<span class=\"faq-icon\">+<\/span><\/button>\r\n <div class=\"faq-body\">You will receive a written notice explaining the reason. You have the right to appeal within 30 days by submitting a written appeal with additional supporting evidence to claims@mutuallife.africa. All appeals are reviewed by a senior assessor independent of the original decision.<\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <button class=\"faq-btn\" onclick=\"toggleFaq(this)\">Is there a deadline to submit a claim?<span class=\"faq-icon\">+<\/span><\/button>\r\n <div class=\"faq-body\">Claims should be submitted no later than 12 months from the date of the insured event. Claims outside this window may be declined unless exceptional circumstances are supported by documentation.<\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <button class=\"faq-btn\" onclick=\"toggleFaq(this)\">The policyholder died abroad \u2014 does that affect my claim?<span class=\"faq-icon\">+<\/span><\/button>\r\n <div class=\"faq-body\">No. Mutual Life Africa covers policyholders globally. You will need a death certificate from the country where death occurred, translated into English if necessary. Our team can assist with cross-border documentation requirements.<\/div>\r\n <\/div>\r\n\r\n <\/div>\r\n <\/div>\r\n<\/div>\r\n\r\n<script>\r\nfunction toggleFaq(btn){\r\n var item=btn.closest('.faq-item');\r\n var open=item.classList.contains('open');\r\n document.querySelectorAll('.faq-item.open').forEach(function(el){el.classList.remove('open');});\r\n if(!open)item.classList.add('open');\r\n}\r\nvar obs=new IntersectionObserver(function(e){e.forEach(function(x){if(x.isIntersecting){x.target.classList.add('visible');obs.unobserve(x.target);}});},{threshold:.08,rootMargin:'0px 0px -30px 0px'});\r\ndocument.querySelectorAll('.reveal').forEach(function(el){obs.observe(el);});\r\n<\/script>\r\n<\/body>\r\n<\/html>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f7a2738 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"f7a2738\" 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.mca::before{content:'';position:absolute;top:0;left:15%;right:15%;height:1px;background:linear-gradient(90deg,transparent,#C9A84C,transparent)}\r\n#cl-app .sec-title{font-family:'Syne',sans-serif;font-size:10px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:#C9A84C;margin-bottom:18px !important;display:flex !important;align-items:center !important;gap:8px !important}\r\n#cl-app .sec-title::after{content:'';flex:1;height:1px;background:rgba(201,168,76,.18)}\r\n\r\n\/* Fields *\/\r\n#cl-app .mfi{margin-bottom:18px !important}\r\n#cl-app .mfi:last-child{margin-bottom:0 !important}\r\n#cl-app .mfi label{display:block;font-family:'Syne',sans-serif;font-size:10px;font-weight:700;letter-spacing:.09em;text-transform:uppercase;color:#C9A84C;margin-bottom:8px !important}\r\n#cl-app .mfi label span{color:#e05252;margin-left:2px}\r\n#cl-app .mfi input,#cl-app .mfi select,#cl-app .mfi textarea{width:100%;padding:14px 16px !important;background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.12);border-radius:12px;color:#fff;font-family:'Philosopher',serif;font-size:15px;outline:none;-webkit-appearance:none;display:block;line-height:1.4}\r\n#cl-app .mfi input::placeholder,#cl-app .mfi textarea::placeholder{color:rgba(255,255,255,.22)}\r\n#cl-app .mfi input:focus,#cl-app .mfi select:focus,#cl-app .mfi textarea:focus{border-color:#C9A84C;background:rgba(255,255,255,.08)}\r\n#cl-app .mfi select option{background:#0D1454;color:#fff}\r\n#cl-app .mfi textarea{resize:vertical;min-height:80px}\r\n#cl-app .mr2{display:grid;grid-template-columns:1fr 1fr;gap:14px !important}\r\n@media(max-width:400px){#cl-app .mr2{grid-template-columns:1fr}}\r\n\r\n\/* DOB *\/\r\n#cl-app .dob-wrap{display:grid !important;grid-template-columns:1fr 1fr 1.4fr !important;gap:8px !important}\r\n#cl-app .dob-sel{width:100% !important;padding:14px 10px !important;background:rgba(255,255,255,.05) !important;border:1px solid rgba(255,255,255,.12) !important;border-radius:12px 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.upload-item.uploading{border-color:#C9A84C;border-style:solid}\r\n#cl-app .upload-header{display:flex;align-items:center;justify-content:space-between;margin-bottom:10px !important}\r\n#cl-app .upload-icon{font-size:20px;margin-right:8px}\r\n#cl-app .upload-name{font-family:'Syne',sans-serif;font-size:13px;font-weight:700;color:#fff}\r\n#cl-app .upload-req{font-family:'Syne',sans-serif;font-size:10px;font-weight:600;color:#e05252;background:rgba(224,82,82,.1);border:1px solid rgba(224,82,82,.2);border-radius:6px;padding:2px 8px}\r\n#cl-app .upload-req.opt{color:#8892b0;background:rgba(255,255,255,.05);border-color:rgba(255,255,255,.08)}\r\n#cl-app .upload-sub{font-size:11px;color:#8892b0;margin-bottom:10px !important}\r\n#cl-app .upload-btn{width:100%;padding:12px;background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.1);border-radius:10px;color:#8892b0;font-family:'Syne',sans-serif;font-size:12px;font-weight:600;cursor:pointer;text-align:center;transition:all .2s}\r\n#cl-app .upload-btn:hover{background:rgba(201,168,76,.08);color:#C9A84C;border-color:rgba(201,168,76,.2)}\r\n#cl-app .upload-status{font-family:'Syne',sans-serif;font-size:12px;font-weight:600;margin-top:8px !important;display:none}\r\n#cl-app .upload-status.show{display:block}\r\n#cl-app .upload-status.ok{color:#4caf82}\r\n#cl-app .upload-status.err{color:#e05252}\r\n#cl-app .upload-status.progress{color:#C9A84C}\r\n#cl-app input[type=\"file\"]{display:none}\r\n\r\n\/* Ack *\/\r\n#cl-app .ack-wrap{background:rgba(201,168,76,.06);border:1px solid rgba(201,168,76,.2);border-radius:12px;padding:16px;margin-bottom:14px !important;display:flex;align-items:flex-start;gap:12px;cursor:pointer}\r\n#cl-app .ack-box{width:22px;height:22px;border:2px solid rgba(201,168,76,.4);border-radius:6px;flex-shrink:0;display:flex;align-items:center;justify-content:center;margin-top:1px;background:transparent;transition:all .2s}\r\n#cl-app .ack-box.checked{background:#C9A84C;border-color:#C9A84C}\r\n#cl-app .ack-text{font-size:13px;color:#8892b0;line-height:1.6}\r\n\r\n\/* Overlay *\/\r\n#cl-ov{display:none;position:fixed;inset:0;background:rgba(13,20,84,.94);backdrop-filter:blur(10px);z-index:9999;flex-direction:column;align-items:center;justify-content:center;gap:16px;text-align:center;padding:24px}\r\n#cl-ov.show{display:flex}\r\n#cl-app .msp{width:52px;height:52px;border:3px solid rgba(201,168,76,.2);border-top-color:#C9A84C;border-radius:50%;animation:clSpin .8s linear infinite}\r\n@keyframes clSpin{to{transform:rotate(360deg)}}\r\n#cl-app .ov-title{font-family:'Syne',sans-serif;font-weight:700;font-size:16px;color:#fff}\r\n#cl-app .ov-sub{font-size:13px;color:#8892b0;max-width:260px}\r\n#cl-app .ov-prog{width:260px;height:4px;background:rgba(255,255,255,.08);border-radius:4px;margin-top:4px;overflow:hidden}\r\n#cl-app .ov-prog-bar{height:100%;background:linear-gradient(90deg,#C9A84C,#e0c06a);border-radius:4px;width:0%;transition:width .4s}\r\n\r\n\/* Success *\/\r\n#cl-app #cl-ok{display:none;text-align:center;padding:48px 20px}\r\n#cl-app #cl-ok.show{display:block}\r\n#cl-app .ok-icon{width:80px;height:80px;border-radius:50%;background:rgba(76,175,130,.15);display:flex;align-items:center;justify-content:center;font-size:36px;margin:0 auto 24px}\r\n#cl-app .ok-title{font-family:'Syne',sans-serif;font-weight:800;font-size:24px;color:#fff;margin-bottom:12px;display:block}\r\n#cl-app .ok-sub{font-size:14px;color:#8892b0;line-height:1.7;margin-bottom:20px;display:block;max-width:340px;margin-left:auto;margin-right:auto}\r\n#cl-app .ok-ref{display:inline-block;font-family:'Syne',sans-serif;font-size:12px;font-weight:700;color:#C9A84C;letter-spacing:.05em;background:rgba(201,168,76,.08);border:1px solid rgba(201,168,76,.2);border-radius:8px;padding:10px 18px;margin-bottom:8px !important}\r\n\r\n\/* Identity card *\/\r\n#cl-app .ucard{background:rgba(255,255,255,.04);border:1px solid rgba(201,168,76,.25);border-radius:14px;padding:18px;margin-bottom:16px !important}\r\n#cl-app .ucard-row{display:flex;justify-content:space-between;align-items:center;padding:7px 0;font-size:13px;border-bottom:1px solid rgba(255,255,255,.05)}\r\n#cl-app .ucard-row:last-child{border-bottom:none}\r\n#cl-app .ucard-lbl{color:#8892b0;font-size:11px;font-family:'Syne',sans-serif;font-weight:600;text-transform:uppercase;letter-spacing:.06em}\r\n#cl-app .ucard-val{color:#fff;font-weight:600;text-align:right;max-width:65%}\r\n<\/style>\r\n\r\n<div id=\"cl-app\">\r\n <div class=\"mp\">\r\n\r\n \r\n <div class=\"mhd\">\r\n <div class=\"mlg\">MLA<\/div>\r\n <div class=\"mbn\">Mutual Life <b>Africa<\/b><\/div>\r\n <\/div>\r\n <div class=\"page-title\">Policy Claims Form<\/div>\r\n <div class=\"page-sub\">Submit your claim securely. All information is encrypted and handled confidentially.<\/div>\r\n\r\n \r\n <div class=\"mst\" id=\"cl-steps\">\r\n <div class=\"msd active\" id=\"cst0\"><div class=\"msdt\">1<\/div><div class=\"mslb\">Verify<\/div><\/div>\r\n <div class=\"msl\"><\/div>\r\n <div class=\"msd\" id=\"cst1\"><div class=\"msdt\">2<\/div><div class=\"mslb\">Policy<\/div><\/div>\r\n <div class=\"msl\"><\/div>\r\n <div class=\"msd\" id=\"cst2\"><div class=\"msdt\">3<\/div><div class=\"mslb\">Deceased<\/div><\/div>\r\n <div class=\"msl\"><\/div>\r\n <div class=\"msd\" id=\"cst3\"><div class=\"msdt\">4<\/div><div class=\"mslb\">Cause<\/div><\/div>\r\n <div class=\"msl\"><\/div>\r\n <div class=\"msd\" id=\"cst4\"><div class=\"msdt\">5<\/div><div class=\"mslb\">Beneficiary<\/div><\/div>\r\n <div class=\"msl\"><\/div>\r\n <div class=\"msd\" id=\"cst5\"><div class=\"msdt\">6<\/div><div class=\"mslb\">Banking<\/div><\/div>\r\n <div class=\"msl\"><\/div>\r\n <div class=\"msd\" id=\"cst6\"><div class=\"msdt\">7<\/div><div class=\"mslb\">Documents<\/div><\/div>\r\n <div class=\"msl\"><\/div>\r\n <div class=\"msd\" id=\"cst7\"><div class=\"msdt\">8<\/div><div class=\"mslb\">Submit<\/div><\/div>\r\n <\/div>\r\n\r\n \r\n <div id=\"cs0\">\r\n <div class=\"mca\">\r\n <div class=\"sec-title\">Verify Your Identity<\/div>\r\n <p style=\"font-size:14px;color:#8892b0;line-height:1.7;margin-bottom:22px !important\">Enter your ID or passport number to locate your policy before submitting a claim.<\/p>\r\n <div class=\"mfi\">\r\n <label>ID or Passport Number <span>*<\/span><\/label>\r\n <input type=\"text\" id=\"cl-lookup-input\" placeholder=\"Enter ID or passport number\" autocomplete=\"off\" spellcheck=\"false\" oninput=\"CL.onInput(this.value)\">\r\n <\/div>\r\n <div class=\"merr\" id=\"cerr0\"><\/div>\r\n <\/div>\r\n <button class=\"mbp\" id=\"cl-lookup-btn\" onclick=\"CL.doLookup()\" disabled>Find My Policy →<\/button>\r\n <div class=\"msec\">🔒 256-bit SSL \u00b7 Secured by Mutual Africa Pay<\/div>\r\n <\/div>\r\n\r\n \r\n <div id=\"cs0b\" style=\"display:none\">\r\n <div class=\"mca\">\r\n <div class=\"sec-title\">Confirm Your Details<\/div>\r\n <p style=\"font-size:14px;color:#8892b0;line-height:1.6;margin-bottom:20px !important\">We found your account. Please confirm this is you before continuing.<\/p>\r\n <div id=\"cl-user-card\"><\/div>\r\n <div class=\"merr\" id=\"cerr0b\"><\/div>\r\n <\/div>\r\n <div class=\"mrow\">\r\n <button class=\"mbk\" onclick=\"CL.showStep(0)\">← Back<\/button>\r\n <button class=\"mbp\" onclick=\"CL.confirmUser()\">Yes, This Is Me →<\/button>\r\n <\/div>\r\n <\/div>\r\n\r\n \r\n <div id=\"cs1\" style=\"display:none\">\r\n <div class=\"mca\">\r\n <div class=\"sec-title\">📋 Policy Details<\/div>\r\n <div class=\"mfi\">\r\n <label>Policy Number <span>*<\/span><\/label>\r\n <input type=\"text\" id=\"cl-policy-number\" placeholder=\"e.g. MLA-2024-000123\" readonly style=\"color:rgba(255,255,255,.5);cursor:not-allowed\">\r\n <\/div>\r\n <div class=\"mfi\">\r\n <label>Full Name (Policyholder) <span>*<\/span><\/label>\r\n <input type=\"text\" id=\"cl-ph-name\" placeholder=\"Full legal name\" readonly style=\"color:rgba(255,255,255,.5);cursor:not-allowed\">\r\n <\/div>\r\n <div class=\"mr2\">\r\n <div class=\"mfi\">\r\n <label>ID \/ Passport <span>*<\/span><\/label>\r\n <input type=\"text\" id=\"cl-ph-id\" placeholder=\"ID or passport\" readonly style=\"color:rgba(255,255,255,.5);cursor:not-allowed\">\r\n <\/div>\r\n <div class=\"mfi\">\r\n <label>Phone Number <span>*<\/span><\/label>\r\n <input type=\"tel\" id=\"cl-ph-phone\" placeholder=\"+1 234 567 8900\">\r\n <\/div>\r\n <\/div>\r\n <div class=\"mfi\">\r\n <label>Email Address <span>*<\/span><\/label>\r\n <input type=\"email\" id=\"cl-ph-email\" placeholder=\"email@example.com\" readonly style=\"color:rgba(255,255,255,.5);cursor:not-allowed\">\r\n <\/div>\r\n <div class=\"merr\" id=\"cerr1\"><\/div>\r\n <\/div>\r\n <div class=\"mrow\">\r\n <button class=\"mbk\" onclick=\"CL.showStep('0b')\">← Back<\/button>\r\n <button class=\"mbp\" onclick=\"CL.goStep(2)\">Continue →<\/button>\r\n <\/div>\r\n <\/div>\r\n\r\n \r\n <div id=\"cs2\" style=\"display:none\">\r\n <div class=\"mca\">\r\n <div class=\"sec-title\">👤 Deceased Details<\/div>\r\n <div class=\"mfi\">\r\n <label>Full Name of Deceased <span>*<\/span><\/label>\r\n <input type=\"text\" id=\"cl-dec-name\" placeholder=\"Enter full legal name\">\r\n <\/div>\r\n <div class=\"mr2\">\r\n <div class=\"mfi\">\r\n <label>ID \/ Passport <span>*<\/span><\/label>\r\n <input type=\"text\" id=\"cl-dec-id\" placeholder=\"ID or passport number\">\r\n <\/div>\r\n <div class=\"mfi\">\r\n <label>Nationality <span>*<\/span><\/label>\r\n <input type=\"text\" id=\"cl-dec-nat\" placeholder=\"e.g. South African\">\r\n <\/div>\r\n <\/div>\r\n <div class=\"mfi\">\r\n <label>Date of Birth <span>*<\/span><\/label>\r\n <div class=\"dob-wrap\" id=\"cl-dec-dob-wrap\"><\/div>\r\n <\/div>\r\n <div class=\"mfi\">\r\n <label>Date of Death <span>*<\/span><\/label>\r\n <div class=\"dob-wrap\" id=\"cl-dec-dod-wrap\"><\/div>\r\n <\/div>\r\n <div class=\"mfi\">\r\n <label>Country of Death <span>*<\/span><\/label>\r\n <input type=\"text\" id=\"cl-dec-country\" placeholder=\"e.g. South Africa\">\r\n <\/div>\r\n <div class=\"mfi\">\r\n <label>Last Known Address <span>*<\/span><\/label>\r\n <textarea id=\"cl-dec-address\" placeholder=\"Street, City, Province, Country\"><\/textarea>\r\n <\/div>\r\n <div class=\"merr\" id=\"cerr2\"><\/div>\r\n <\/div>\r\n <div class=\"mrow\">\r\n <button class=\"mbk\" onclick=\"CL.showStep(1)\">← Back<\/button>\r\n <button class=\"mbp\" onclick=\"CL.goStep(3)\">Continue →<\/button>\r\n <\/div>\r\n <\/div>\r\n\r\n \r\n <div id=\"cs3\" style=\"display:none\">\r\n <div class=\"mca\">\r\n <div class=\"sec-title\">🏥 Cause of Death<\/div>\r\n <p style=\"font-size:13px;color:#8892b0;margin-bottom:18px !important;line-height:1.6\">Provide details about the circumstances of death. This information is confidential.<\/p>\r\n <div class=\"mfi\">\r\n <label>Cause of Death <span>*<\/span><\/label>\r\n <textarea id=\"cl-cause\" placeholder=\"e.g. Cardiac arrest, Natural causes, Road accident...\"><\/textarea>\r\n <\/div>\r\n <div class=\"mfi\">\r\n <label>Place of Death <span>*<\/span><\/label>\r\n <select id=\"cl-place\">\r\n <option value=\"\">\u2014 select \u2014<\/option>\r\n <option value=\"Hospital\">Hospital<\/option>\r\n <option value=\"Home\">Home<\/option>\r\n <option value=\"Hospice \/ Care Facility\">Hospice \/ Care Facility<\/option>\r\n <option value=\"Scene of Accident\">Scene of Accident<\/option>\r\n <option value=\"Other\">Other<\/option>\r\n <\/select>\r\n <\/div>\r\n <div class=\"mfi\">\r\n <label>Hospital \/ Institution Name <span>*<\/span><\/label>\r\n <input type=\"text\" id=\"cl-hospital\" placeholder=\"Full name of hospital or institution\">\r\n <\/div>\r\n <div class=\"mfi\">\r\n <label>Attending Authority \/ Doctor <span>*<\/span><\/label>\r\n <input type=\"text\" id=\"cl-doctor\" placeholder=\"Full name of attending doctor or authority\">\r\n <\/div>\r\n <div class=\"merr\" id=\"cerr3\"><\/div>\r\n <\/div>\r\n <div class=\"mrow\">\r\n <button class=\"mbk\" onclick=\"CL.showStep(2)\">← Back<\/button>\r\n <button class=\"mbp\" onclick=\"CL.goStep(4)\">Continue →<\/button>\r\n <\/div>\r\n <\/div>\r\n\r\n \r\n <div id=\"cs4\" style=\"display:none\">\r\n <div class=\"mca\">\r\n <div class=\"sec-title\">🤝 Beneficiary Details<\/div>\r\n <p style=\"font-size:13px;color:#8892b0;margin-bottom:18px !important;line-height:1.6\">Details of the person claiming the benefit.<\/p>\r\n <div class=\"mfi\">\r\n <label>Full Name <span>*<\/span><\/label>\r\n <input type=\"text\" id=\"cl-ben-name\" placeholder=\"Beneficiary's full legal name\">\r\n <\/div>\r\n <div class=\"mr2\">\r\n <div class=\"mfi\">\r\n <label>Relationship to Deceased <span>*<\/span><\/label>\r\n <select id=\"cl-ben-rel\">\r\n <option value=\"\">\u2014 select \u2014<\/option>\r\n <option value=\"Spouse\">Spouse<\/option>\r\n <option value=\"Child\">Child<\/option>\r\n <option value=\"Parent\">Parent<\/option>\r\n <option value=\"Grandparent\">Grandparent<\/option>\r\n <option value=\"Sibling\">Sibling<\/option>\r\n <option value=\"Aunt\">Aunt<\/option>\r\n <option value=\"Uncle\">Uncle<\/option>\r\n <option value=\"Cousin\">Cousin<\/option>\r\n <option value=\"Other\">Other<\/option>\r\n <\/select>\r\n <\/div>\r\n <div class=\"mfi\">\r\n <label>ID \/ Passport<\/label>\r\n <input type=\"text\" id=\"cl-ben-id\" placeholder=\"ID or passport\">\r\n <\/div>\r\n <\/div>\r\n <div class=\"mr2\">\r\n <div class=\"mfi\">\r\n <label>Contact Number<\/label>\r\n <input type=\"tel\" id=\"cl-ben-phone\" placeholder=\"+1 234 567 8900\">\r\n <\/div>\r\n <div class=\"mfi\">\r\n <label>Email Address<\/label>\r\n <input type=\"email\" id=\"cl-ben-email\" placeholder=\"email@example.com\">\r\n <\/div>\r\n <\/div>\r\n <div class=\"merr\" id=\"cerr4\"><\/div>\r\n <\/div>\r\n <div class=\"mrow\">\r\n <button class=\"mbk\" onclick=\"CL.showStep(3)\">← Back<\/button>\r\n <button class=\"mbp\" onclick=\"CL.goStep(5)\">Continue →<\/button>\r\n <\/div>\r\n <\/div>\r\n\r\n \r\n <div id=\"cs5\" style=\"display:none\">\r\n <div class=\"mca\">\r\n <div class=\"sec-title\">🏦 Banking Details<\/div>\r\n <p style=\"font-size:13px;color:#8892b0;margin-bottom:18px !important;line-height:1.6\">Account holder & payment information for claim payout.<\/p>\r\n <div class=\"mfi\">\r\n <label>Account Holder Name <span>*<\/span><\/label>\r\n <input type=\"text\" id=\"cl-bank-holder\" placeholder=\"Full name as on bank account\">\r\n <\/div>\r\n <div class=\"mr2\">\r\n <div class=\"mfi\">\r\n <label>Bank Name <span>*<\/span><\/label>\r\n <input type=\"text\" id=\"cl-bank-name\" placeholder=\"e.g. Standard Bank, Barclays\">\r\n <\/div>\r\n <div class=\"mfi\">\r\n <label>Account Number <span>*<\/span><\/label>\r\n <input type=\"text\" id=\"cl-bank-acc\" placeholder=\"Account number\" inputmode=\"numeric\">\r\n <\/div>\r\n <\/div>\r\n <div class=\"mr2\">\r\n <div class=\"mfi\">\r\n <label>SWIFT \/ Branch Code <span>*<\/span><\/label>\r\n <input type=\"text\" id=\"cl-bank-swift\" placeholder=\"e.g. SBZAZAJJ or 051001\" style=\"text-transform:uppercase\">\r\n <\/div>\r\n <div class=\"mfi\">\r\n <label>Country <span>*<\/span><\/label>\r\n <select id=\"cl-bank-country\">\r\n <option value=\"\">\u2014 select \u2014<\/option>\r\n <option value=\"South Africa\">South Africa<\/option>\r\n <option value=\"United Kingdom\">United Kingdom<\/option>\r\n <option value=\"United States\">United States<\/option>\r\n <option value=\"Zimbabwe\">Zimbabwe<\/option>\r\n <option value=\"Nigeria\">Nigeria<\/option>\r\n <option value=\"Kenya\">Kenya<\/option>\r\n <option value=\"Ghana\">Ghana<\/option>\r\n <option value=\"Zambia\">Zambia<\/option>\r\n <option value=\"Other\">Other<\/option>\r\n <\/select>\r\n <\/div>\r\n <\/div>\r\n <div class=\"merr\" id=\"cerr5\"><\/div>\r\n <\/div>\r\n <div class=\"mrow\">\r\n <button class=\"mbk\" onclick=\"CL.showStep(4)\">← Back<\/button>\r\n <button class=\"mbp\" onclick=\"CL.goStep(6)\">Continue →<\/button>\r\n <\/div>\r\n <\/div>\r\n\r\n \r\n <div id=\"cs6\" style=\"display:none\">\r\n <div class=\"mca\">\r\n <div class=\"sec-title\">📄 Document Uploads<\/div>\r\n <p style=\"font-size:13px;color:#8892b0;margin-bottom:20px !important;line-height:1.6\">Upload certified copies. Accepted formats: PDF, JPG, PNG \u00b7 Max 10MB per file.<\/p>\r\n\r\n \r\n <div class=\"upload-item\" id=\"up-death-cert\">\r\n <div class=\"upload-header\">\r\n <div style=\"display:flex;align-items:center;gap:8px\"><span class=\"upload-icon\">📜<\/span><span class=\"upload-name\">Death Certificate<\/span><\/div>\r\n <span class=\"upload-req\">Required<\/span>\r\n <\/div>\r\n <div class=\"upload-sub\">Official death certificate issued by relevant authority<\/div>\r\n <button class=\"upload-btn\" onclick=\"CL.triggerUpload('death_cert')\">↑ Tap to Upload File<\/button>\r\n <input type=\"file\" id=\"fi-death-cert\" accept=\".pdf,.jpg,.jpeg,.png\" onchange=\"CL.handleFile('death_cert',this)\">\r\n <div class=\"upload-status\" id=\"us-death-cert\"><\/div>\r\n <\/div>\r\n\r\n \r\n <div class=\"upload-item\" id=\"up-deceased-id\">\r\n <div class=\"upload-header\">\r\n <div style=\"display:flex;align-items:center;gap:8px\"><span class=\"upload-icon\">💳<\/span><span class=\"upload-name\">Deceased ID \/ Passport<\/span><\/div>\r\n <span class=\"upload-req\">Required<\/span>\r\n <\/div>\r\n <div class=\"upload-sub\">Copy of deceased person's identity document or passport<\/div>\r\n <button class=\"upload-btn\" onclick=\"CL.triggerUpload('deceased_id')\">↑ Tap to Upload File<\/button>\r\n <input type=\"file\" id=\"fi-deceased-id\" accept=\".pdf,.jpg,.jpeg,.png\" onchange=\"CL.handleFile('deceased_id',this)\">\r\n <div class=\"upload-status\" id=\"us-deceased-id\"><\/div>\r\n <\/div>\r\n\r\n \r\n <div class=\"upload-item\" id=\"up-claimant-id\">\r\n <div class=\"upload-header\">\r\n <div style=\"display:flex;align-items:center;gap:8px\"><span class=\"upload-icon\">🧑<\/span><span class=\"upload-name\">Claimant ID \/ Passport<\/span><\/div>\r\n <span class=\"upload-req\">Required<\/span>\r\n <\/div>\r\n <div class=\"upload-sub\">Copy of claimant's identity document or passport<\/div>\r\n <button class=\"upload-btn\" onclick=\"CL.triggerUpload('claimant_id')\">↑ Tap to Upload File<\/button>\r\n <input type=\"file\" id=\"fi-claimant-id\" accept=\".pdf,.jpg,.jpeg,.png\" onchange=\"CL.handleFile('claimant_id',this)\">\r\n <div class=\"upload-status\" id=\"us-claimant-id\"><\/div>\r\n <\/div>\r\n\r\n \r\n <div class=\"upload-item\" id=\"up-proof-banking\">\r\n <div class=\"upload-header\">\r\n <div style=\"display:flex;align-items:center;gap:8px\"><span class=\"upload-icon\">🏦<\/span><span class=\"upload-name\">Proof of Banking<\/span><\/div>\r\n <span class=\"upload-req\">Required<\/span>\r\n <\/div>\r\n <div class=\"upload-sub\">Bank statement or letter confirming account details<\/div>\r\n <button class=\"upload-btn\" onclick=\"CL.triggerUpload('proof_banking')\">↑ Tap to Upload File<\/button>\r\n <input type=\"file\" id=\"fi-proof-banking\" accept=\".pdf,.jpg,.jpeg,.png\" onchange=\"CL.handleFile('proof_banking',this)\">\r\n <div class=\"upload-status\" id=\"us-proof-banking\"><\/div>\r\n <\/div>\r\n\r\n \r\n <div class=\"upload-item\" id=\"up-medical-report\">\r\n <div class=\"upload-header\">\r\n <div style=\"display:flex;align-items:center;gap:8px\"><span class=\"upload-icon\">🏥<\/span><span class=\"upload-name\">Medical Report<\/span><\/div>\r\n <span class=\"upload-req opt\">Optional<\/span>\r\n <\/div>\r\n <div class=\"upload-sub\">Doctor's report or medical records if applicable<\/div>\r\n <button class=\"upload-btn\" onclick=\"CL.triggerUpload('medical_report')\">↑ Tap to Upload File<\/button>\r\n <input type=\"file\" id=\"fi-medical-report\" accept=\".pdf,.jpg,.jpeg,.png\" onchange=\"CL.handleFile('medical_report',this)\">\r\n <div class=\"upload-status\" id=\"us-medical-report\"><\/div>\r\n <\/div>\r\n\r\n \r\n <div class=\"upload-item\" id=\"up-police-report\">\r\n <div class=\"upload-header\">\r\n <div style=\"display:flex;align-items:center;gap:8px\"><span class=\"upload-icon\">👮<\/span><span class=\"upload-name\">Police Report<\/span><\/div>\r\n <span class=\"upload-req opt\">Optional<\/span>\r\n <\/div>\r\n <div class=\"upload-sub\">Required if death was accidental or under investigation<\/div>\r\n <button class=\"upload-btn\" onclick=\"CL.triggerUpload('police_report')\">↑ Tap to Upload File<\/button>\r\n <input type=\"file\" id=\"fi-police-report\" accept=\".pdf,.jpg,.jpeg,.png\" onchange=\"CL.handleFile('police_report',this)\">\r\n <div class=\"upload-status\" id=\"us-police-report\"><\/div>\r\n <\/div>\r\n\r\n <div class=\"merr\" id=\"cerr6\"><\/div>\r\n <\/div>\r\n <div class=\"mrow\">\r\n <button class=\"mbk\" onclick=\"CL.showStep(5)\">← Back<\/button>\r\n <button class=\"mbp\" onclick=\"CL.goStep(7)\">Continue →<\/button>\r\n <\/div>\r\n <\/div>\r\n\r\n \r\n <div id=\"cs7\" style=\"display:none\">\r\n <div class=\"mca\">\r\n <div class=\"sec-title\">✏ Declaration & Consent<\/div>\r\n <p style=\"font-size:13px;color:#8892b0;margin-bottom:20px !important;line-height:1.6\">Please read and acknowledge the following before submitting your claim.<\/p>\r\n\r\n <div class=\"ack-wrap\" id=\"ack-declaration\" onclick=\"CL.toggleAck('declaration')\">\r\n <div class=\"ack-box\" id=\"ab-declaration\"><\/div>\r\n <span class=\"ack-text\">I declare that all information provided in this claim form is true, accurate and complete to the best of my knowledge. I understand that any misrepresentation may result in the rejection of this claim.<\/span>\r\n <\/div>\r\n\r\n <div class=\"ack-wrap\" id=\"ack-consent\" onclick=\"CL.toggleAck('consent')\">\r\n <div class=\"ack-box\" id=\"ab-consent\"><\/div>\r\n <span class=\"ack-text\">I consent to Mutual Life Africa processing and sharing my personal information with relevant third parties for the purpose of assessing and processing this claim.<\/span>\r\n <\/div>\r\n\r\n <div class=\"ack-wrap\" id=\"ack-terms\" onclick=\"CL.toggleAck('terms')\">\r\n <div class=\"ack-box\" id=\"ab-terms\"><\/div>\r\n <span class=\"ack-text\">I accept the multi-currency terms and acknowledge that payouts may be subject to exchange rate variations and applicable banking fees.<\/span>\r\n <\/div>\r\n\r\n <div class=\"merr\" id=\"cerr7\"><\/div>\r\n <\/div>\r\n <div class=\"mrow\">\r\n <button class=\"mbk\" onclick=\"CL.showStep(6)\">← Back<\/button>\r\n <button class=\"mbp\" onclick=\"CL.submitClaim()\">Submit Claim →<\/button>\r\n <\/div>\r\n <div class=\"msec\">🔒 256-bit SSL \u00b7 Secured by Mutual Africa Pay<\/div>\r\n <\/div>\r\n\r\n \r\n <div id=\"cl-ok\">\r\n <div class=\"ok-icon\">✅<\/div>\r\n <span class=\"ok-title\">Claim Submitted<\/span>\r\n <span class=\"ok-sub\">Your claim has been received and logged. Our claims team will review your submission and contact you within 5\u201310 business days.<\/span>\r\n <div class=\"ok-ref\" id=\"cl-ok-ref\"><\/div>\r\n <p style=\"font-size:12px;color:rgba(255,255,255,.3);font-style:italic\">A confirmation has been sent to your registered email address.<\/p>\r\n <\/div>\r\n\r\n <\/div>\r\n\r\n \r\n <div id=\"cl-ov\">\r\n <div class=\"msp\"><\/div>\r\n <div class=\"ov-title\" id=\"cl-ov-title\">Please wait...<\/div>\r\n <div class=\"ov-sub\" id=\"cl-ov-sub\">Please do not close this page<\/div>\r\n <div class=\"ov-prog\"><div class=\"ov-prog-bar\" id=\"cl-prog-bar\"><\/div><\/div>\r\n <\/div>\r\n<\/div>\r\n\r\n<script>\r\n(function(){\r\n var ANON = \"eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJpc3MiOiJzdXBhYmFzZSIsInJlZiI6Im9lbnZmeXVhcnlwdHJ0amFtY2pvIiwicm9sZSI6ImFub24iLCJpYXQiOjE3NzMwNTQ3MDcsImV4cCI6MjA4ODYzMDcwN30.dMNfvvU0jog5y-bkCgGbS9rYDgbxFddO2j4fXysppYY\";\r\n var SUPA_URL = \"https:\/\/oenvfyuaryptrtjamcjo.supabase.co\";\r\n var SEND_EF = SUPA_URL + \"\/functions\/v1\/send-email\";\r\n var BUCKET = \"claims-documents\";\r\n var MONTHS = [\"Jan\",\"Feb\",\"Mar\",\"Apr\",\"May\",\"Jun\",\"Jul\",\"Aug\",\"Sep\",\"Oct\",\"Nov\",\"Dec\"];\r\n\r\n var S = {\r\n userId: null, matchedUser: null, policy: null,\r\n dob: {d:\"\",m:\"\",y:\"\"}, dod: {d:\"\",m:\"\",y:\"\"},\r\n docs: { death_cert:null, deceased_id:null, claimant_id:null, proof_banking:null, medical_report:null, police_report:null },\r\n acks: { declaration:false, consent:false, terms:false }\r\n };\r\n\r\n \/\/ \u2500\u2500 DOB DROPDOWNS \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\r\n function buildDob(wrapperId, prefix) {\r\n var el = document.getElementById(wrapperId);\r\n if (!el) return;\r\n var days = \"<option value=''>DD<\/option>\";\r\n for (var i=1;i<=31;i++){var d=i<10?\"0\"+i:\"\"+i;days+=\"<option value='\"+d+\"'>\"+i+\"<\/option>\";}\r\n var mos = \"<option value=''>MM<\/option>\";\r\n for (var m=0;m<12;m++){var mm=m<9?\"0\"+(m+1):\"\"+(m+1);mos+=\"<option value='\"+mm+\"'>\"+MONTHS[m]+\"<\/option>\";}\r\n var yrs = \"<option value=''>YYYY<\/option>\";\r\n var curY=new Date().getFullYear();\r\n for (var y=curY;y>=1900;y--){yrs+=\"<option value='\"+y+\"'>\"+y+\"<\/option>\";}\r\n el.innerHTML =\r\n \"<select class='dob-sel' onchange='CL.updDate(\"\"+prefix+\"\",\"d\",this.value)'>\"+days+\"<\/select>\"+\r\n \"<select class='dob-sel' onchange='CL.updDate(\"\"+prefix+\"\",\"m\",this.value)'>\"+mos+\"<\/select>\"+\r\n \"<select class='dob-sel' onchange='CL.updDate(\"\"+prefix+\"\",\"y\",this.value)'>\"+yrs+\"<\/select>\";\r\n }\r\n\r\n function dateVal(parts){ return (parts.d&&parts.m&&parts.y) ? parts.y+\"-\"+parts.m+\"-\"+parts.d : \"\"; }\r\n\r\n \/\/ \u2500\u2500 STEP UI \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\r\n var ALL_STEPS = [\"cs0\",\"cs0b\",\"cs1\",\"cs2\",\"cs3\",\"cs4\",\"cs5\",\"cs6\",\"cs7\",\"cl-ok\"];\r\n function hideAll(){ ALL_STEPS.forEach(function(id){var el=document.getElementById(id);if(el)el.style.display=\"none\";}); }\r\n function setStepUI(n){\r\n for(var i=0;i<=7;i++){\r\n var el=document.getElementById(\"cst\"+i); if(!el) continue;\r\n el.className=\"msd\"+(i<n?\" done\":i===n?\" active\":\"\");\r\n }\r\n }\r\n\r\n \/\/ \u2500\u2500 HELPERS \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\r\n function showErr(id,msg){var el=document.getElementById(id);if(!el)return;el.className=\"merr show\";el.textContent=msg;el.scrollIntoView({behavior:\"smooth\",block:\"center\"});}\r\n function clearErr(id){var el=document.getElementById(id);if(el)el.className=\"merr\";}\r\n function esc(v){return String(v||\"\").replace(\/&\/g,\"&\").replace(\/\"\/g,\""\").replace(\/'\/g,\"'\").replace(\/<\/g,\"<\");}\r\n function val(id){var el=document.getElementById(id);return el?el.value.trim():\"\";}\r\n function showOv(t,s,p){\r\n var ot=document.getElementById(\"cl-ov-title\"); if(ot)ot.textContent=t||\"Please wait...\";\r\n var os=document.getElementById(\"cl-ov-sub\"); if(os)os.textContent=s||\"Please do not close this page\";\r\n var pb=document.getElementById(\"cl-prog-bar\"); if(pb)pb.style.width=(p||0)+\"%\";\r\n document.getElementById(\"cl-ov\").classList.add(\"show\");\r\n }\r\n function setProgress(p){var pb=document.getElementById(\"cl-prog-bar\");if(pb)pb.style.width=p+\"%\";}\r\n function hideOv(){document.getElementById(\"cl-ov\").classList.remove(\"show\");}\r\n function ucRow(l,v){return \"<div class='ucard-row'><span class='ucard-lbl'>\"+l+\"<\/span><span class='ucard-val'>\"+esc(String(v||\"\u2014\"))+\"<\/span><\/div>\";}\r\n function genClaimNum(){return \"CLM-\"+Date.now().toString(36).toUpperCase()+\"-\"+Math.random().toString(36).substr(2,4).toUpperCase();}\r\n\r\n \/\/ \u2500\u2500 FILE UPLOAD \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\r\n async function uploadFile(key, file) {\r\n var maxSize = 10 * 1024 * 1024;\r\n if (file.size > maxSize) return { ok:false, msg:\"File exceeds 10MB limit.\" };\r\n var allowed = [\"application\/pdf\",\"image\/jpeg\",\"image\/png\",\"image\/jpg\"];\r\n if (!allowed.includes(file.type)) return { ok:false, msg:\"Invalid file type. Use PDF, JPG or PNG.\" };\r\n\r\n var ext = file.name.split(\".\").pop();\r\n var path = \"claims\/\" + S.userId + \"\/\" + key + \"_\" + Date.now() + \".\" + ext;\r\n var url = SUPA_URL + \"\/storage\/v1\/object\/\" + BUCKET + \"\/\" + path;\r\n\r\n var res = await fetch(url, {\r\n method: \"POST\",\r\n headers: { \"Authorization\": \"Bearer \" + ANON, \"Content-Type\": file.type, \"x-upsert\": \"true\" },\r\n body: file\r\n });\r\n\r\n if (!res.ok) {\r\n var err = await res.json().catch(function(){ return {}; });\r\n return { ok:false, msg: err.message || \"Upload failed. Please try again.\" };\r\n }\r\n\r\n var publicUrl = SUPA_URL + \"\/storage\/v1\/object\/public\/\" + BUCKET + \"\/\" + path;\r\n return { ok:true, url: publicUrl };\r\n }\r\n\r\n \/\/ \u2500\u2500 PUBLIC API \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\r\n window.CL = {\r\n\r\n showStep: function(n) {\r\n hideAll();\r\n var id = \"cs\" + n;\r\n var el = document.getElementById(id);\r\n if (el) { el.style.display=\"block\"; window.scrollTo({top:0,behavior:\"smooth\"}); }\r\n var map = {\"0\":0,\"0b\":0,\"1\":1,\"2\":2,\"3\":3,\"4\":4,\"5\":5,\"6\":6,\"7\":7};\r\n setStepUI(map[String(n)] !== undefined ? map[String(n)] : parseInt(n));\r\n },\r\n\r\n onInput: function(v){ var btn=document.getElementById(\"cl-lookup-btn\"); if(btn)btn.disabled=v.trim().length<3; },\r\n\r\n doLookup: async function() {\r\n var v=val(\"cl-lookup-input\"); if(!v) return;\r\n var btn=document.getElementById(\"cl-lookup-btn\"); if(btn){btn.disabled=true;btn.textContent=\"Searching...\";}\r\n clearErr(\"cerr0\"); showOv(\"Searching for your account...\", \"\", 20);\r\n try {\r\n var url=SUPA_URL+\"\/rest\/v1\/users?or=(id_number.eq.\"+encodeURIComponent(v)+\",passport_number.eq.\"+encodeURIComponent(v)+\")&select=id,full_name,date_of_birth,gender,nationality,id_number,passport_number,phone,email&limit=1\";\r\n var res=await fetch(url,{headers:{\"apikey\":ANON,\"Authorization\":\"Bearer \"+ANON}});\r\n var data=await res.json(); hideOv();\r\n if(btn){btn.disabled=false;btn.textContent=\"Find My Policy →\";}\r\n if(!res.ok||!data.length){showErr(\"cerr0\",\"No account found for this ID or passport number.nnPlease register at app.mutuallifeafrica.com first.\");return;}\r\n S.matchedUser=data[0]; S.userId=data[0].id;\r\n var u=data[0];\r\n var card=\"<div class='ucard'>\"+ucRow(\"Full Name\",u.full_name)+ucRow(\"Date of Birth\",u.date_of_birth)+ucRow(\"ID Number\",u.id_number)+ucRow(\"Email\",u.email)+\"<\/div>\";\r\n document.getElementById(\"cl-user-card\").innerHTML=card;\r\n CL.showStep(\"0b\");\r\n } catch(e){hideOv();if(btn){btn.disabled=false;btn.textContent=\"Find My Policy →\";}showErr(\"cerr0\",\"Network error. Please check your connection.\");}\r\n },\r\n\r\n confirmUser: async function() {\r\n if (!S.matchedUser) return;\r\n showOv(\"Loading your policy...\", \"\", 30);\r\n try {\r\n var res = await fetch(SUPA_URL+\"\/rest\/v1\/policies?user_id=eq.\"+S.userId+\"&select=id,policy_number,policy_type,policy_status&order=created_at.desc&limit=1\",{headers:{\"apikey\":ANON,\"Authorization\":\"Bearer \"+ANON}});\r\n var data = await res.json(); hideOv();\r\n if (!data.length){showErr(\"cerr0b\",\"No active policy found on this account. Please contact support@mutuallife.africa.\");return;}\r\n S.policy = data[0];\r\n var u = S.matchedUser;\r\n document.getElementById(\"cl-policy-number\").value = S.policy.policy_number || \"\";\r\n document.getElementById(\"cl-ph-name\").value = u.full_name || \"\";\r\n document.getElementById(\"cl-ph-id\").value = u.id_number || u.passport_number || \"\";\r\n document.getElementById(\"cl-ph-phone\").value = u.phone || \"\";\r\n document.getElementById(\"cl-ph-email\").value = u.email || \"\";\r\n CL.showStep(1);\r\n } catch(e){hideOv();showErr(\"cerr0b\",\"Network error. Please try again.\");}\r\n },\r\n\r\n updDate: function(prefix, part, v) {\r\n var obj = prefix===\"dob\" ? S.dob : S.dod;\r\n obj[part] = v;\r\n },\r\n\r\n goStep: function(n) {\r\n clearErr(\"cerr\"+(n-1));\r\n\r\n if (n===2) {\r\n if (!val(\"cl-ph-phone\")){ showErr(\"cerr1\",\"Phone number is required.\"); return; }\r\n CL.showStep(2); return;\r\n }\r\n if (n===3) {\r\n if (!val(\"cl-dec-name\")) { showErr(\"cerr2\",\"Deceased full name is required.\"); return; }\r\n if (!val(\"cl-dec-id\")) { showErr(\"cerr2\",\"Deceased ID\/Passport is required.\"); return; }\r\n if (!val(\"cl-dec-nat\")) { showErr(\"cerr2\",\"Nationality is required.\"); return; }\r\n if (!dateVal(S.dob)) { showErr(\"cerr2\",\"Date of birth is required.\"); return; }\r\n if (!dateVal(S.dod)) { showErr(\"cerr2\",\"Date of death is required.\"); return; }\r\n if (!val(\"cl-dec-country\")){ showErr(\"cerr2\",\"Country of death is required.\"); return; }\r\n if (!val(\"cl-dec-address\")){ showErr(\"cerr2\",\"Last known address is required.\"); return; }\r\n CL.showStep(3); return;\r\n }\r\n if (n===4) {\r\n if (!val(\"cl-cause\")) { showErr(\"cerr3\",\"Cause of death is required.\"); return; }\r\n if (!val(\"cl-place\")) { showErr(\"cerr3\",\"Place of death is required.\"); return; }\r\n if (!val(\"cl-hospital\")){ showErr(\"cerr3\",\"Hospital\/institution name is required.\"); return; }\r\n if (!val(\"cl-doctor\")) { showErr(\"cerr3\",\"Attending authority\/doctor is required.\"); return; }\r\n CL.showStep(4); return;\r\n }\r\n if (n===5) {\r\n if (!val(\"cl-ben-name\")){ showErr(\"cerr4\",\"Beneficiary full name is required.\"); return; }\r\n if (!val(\"cl-ben-rel\")) { showErr(\"cerr4\",\"Relationship to deceased is required.\"); return; }\r\n CL.showStep(5); return;\r\n }\r\n if (n===6) {\r\n if (!val(\"cl-bank-holder\")) { showErr(\"cerr5\",\"Account holder name is required.\"); return; }\r\n if (!val(\"cl-bank-name\")) { showErr(\"cerr5\",\"Bank name is required.\"); return; }\r\n if (!val(\"cl-bank-acc\")) { showErr(\"cerr5\",\"Account number is required.\"); return; }\r\n if (!val(\"cl-bank-swift\")) { showErr(\"cerr5\",\"SWIFT\/Branch code is required.\"); return; }\r\n if (!val(\"cl-bank-country\")){ showErr(\"cerr5\",\"Country is required.\"); return; }\r\n CL.showStep(6); return;\r\n }\r\n if (n===7) {\r\n if (!S.docs.death_cert) { showErr(\"cerr6\",\"Death Certificate is required.\"); return; }\r\n if (!S.docs.deceased_id) { showErr(\"cerr6\",\"Deceased ID\/Passport is required.\"); return; }\r\n if (!S.docs.claimant_id) { showErr(\"cerr6\",\"Claimant ID\/Passport is required.\"); return; }\r\n if (!S.docs.proof_banking){ showErr(\"cerr6\",\"Proof of Banking is required.\"); return; }\r\n CL.showStep(7); return;\r\n }\r\n CL.showStep(n);\r\n },\r\n\r\n triggerUpload: function(key) { var fi=document.getElementById(\"fi-\"+key.replace(\/_\/g,\"-\")); if(fi)fi.click(); },\r\n\r\n handleFile: async function(key, input) {\r\n var file = input.files[0]; if (!file) return;\r\n var fiId = \"fi-\" + key.replace(\/_\/g,\"-\");\r\n var upId = \"up-\" + key.replace(\/_\/g,\"-\");\r\n var usId = \"us-\" + key.replace(\/_\/g,\"-\");\r\n var upEl = document.getElementById(upId);\r\n var usEl = document.getElementById(usId);\r\n if (upEl) upEl.className=\"upload-item uploading\";\r\n if (usEl) { usEl.className=\"upload-status show progress\"; usEl.textContent=\"Uploading...\"; }\r\n\r\n var result = await uploadFile(key, file);\r\n if (!result.ok) {\r\n if (upEl) upEl.className=\"upload-item\";\r\n if (usEl) { usEl.className=\"upload-status show err\"; usEl.textContent=\"⚠ \"+result.msg; }\r\n return;\r\n }\r\n S.docs[key] = result.url;\r\n if (upEl) upEl.className=\"upload-item uploaded\";\r\n if (usEl) { usEl.className=\"upload-status show ok\"; usEl.textContent=\"✓ \"+file.name+\" uploaded\"; }\r\n },\r\n\r\n toggleAck: function(key) {\r\n S.acks[key] = !S.acks[key];\r\n var box = document.getElementById(\"ab-\"+key);\r\n if (box) { box.className=\"ack-box\"+(S.acks[key]?\" checked\":\"\"); box.innerHTML=S.acks[key]?\"✓\":\"\"; }\r\n },\r\n\r\n submitClaim: async function() {\r\n if (!S.acks.declaration){ showErr(\"cerr7\",\"Please confirm the declaration to continue.\"); return; }\r\n if (!S.acks.consent) { showErr(\"cerr7\",\"Please confirm data sharing consent to continue.\"); return; }\r\n if (!S.acks.terms) { showErr(\"cerr7\",\"Please accept the multi-currency terms to continue.\"); return; }\r\n\r\n showOv(\"Submitting your claim...\", \"Please do not close this page\", 10);\r\n\r\n var claimNum = genClaimNum();\r\n setProgress(30);\r\n\r\n var payload = {\r\n claim_number: claimNum,\r\n status: \"submitted\",\r\n user_id: S.userId,\r\n policy_number: val(\"cl-policy-number\"),\r\n policyholder_name: val(\"cl-ph-name\"),\r\n policyholder_id_passport: val(\"cl-ph-id\"),\r\n policyholder_contact: val(\"cl-ph-phone\"),\r\n policyholder_email: val(\"cl-ph-email\"),\r\n deceased_name: val(\"cl-dec-name\"),\r\n deceased_id_passport: val(\"cl-dec-id\"),\r\n deceased_dob: dateVal(S.dob) || null,\r\n deceased_date_of_death: dateVal(S.dod) || null,\r\n deceased_country_of_death:val(\"cl-dec-country\"),\r\n deceased_nationality: val(\"cl-dec-nat\"),\r\n deceased_last_address: val(\"cl-dec-address\"),\r\n cause_of_death: val(\"cl-cause\"),\r\n place_of_death: val(\"cl-place\"),\r\n hospital_institution: val(\"cl-hospital\"),\r\n attending_authority: val(\"cl-doctor\"),\r\n beneficiary_name: val(\"cl-ben-name\"),\r\n beneficiary_relationship: val(\"cl-ben-rel\"),\r\n beneficiary_id_passport: val(\"cl-ben-id\"),\r\n beneficiary_contact: val(\"cl-ben-phone\"),\r\n beneficiary_email: val(\"cl-ben-email\"),\r\n bank_account_holder: val(\"cl-bank-holder\"),\r\n bank_name: val(\"cl-bank-name\"),\r\n bank_account_number: val(\"cl-bank-acc\"),\r\n bank_swift_branch_code: val(\"cl-bank-swift\"),\r\n bank_country: val(\"cl-bank-country\"),\r\n doc_death_certificate_url:S.docs.death_cert || null,\r\n doc_deceased_id_url: S.docs.deceased_id || null,\r\n doc_claimant_id_url: S.docs.claimant_id || null,\r\n doc_proof_banking_url: S.docs.proof_banking || null,\r\n doc_medical_report_url: S.docs.medical_report || null,\r\n doc_police_report_url: S.docs.police_report || null,\r\n declaration_signed: true,\r\n consent_data_sharing: true,\r\n multicurrency_terms_accepted: true\r\n };\r\n\r\n \/\/ Insert into claims table\r\n try {\r\n var res = await fetch(SUPA_URL+\"\/rest\/v1\/claims\",{\r\n method:\"POST\",\r\n headers:{\"apikey\":ANON,\"Authorization\":\"Bearer \"+ANON,\"Content-Type\":\"application\/json\",\"Prefer\":\"return=minimal\"},\r\n body:JSON.stringify(payload)\r\n });\r\n if (!res.ok) { var e=await res.json().catch(function(){return {};}); hideOv(); showErr(\"cerr7\",\"Failed to submit claim: \"+(e.message||\"Please try again.\")); return; }\r\n } catch(e) { hideOv(); showErr(\"cerr7\",\"Network error. Please try again.\"); return; }\r\n\r\n setProgress(60);\r\n\r\n \/\/ Send admin email\r\n var docLinks = [\r\n payload.doc_death_certificate_url ? \"<a href='\"+payload.doc_death_certificate_url+\"' style='color:#C9A84C'>Death Certificate<\/a>\" : null,\r\n payload.doc_deceased_id_url ? \"<a href='\"+payload.doc_deceased_id_url+\"' style='color:#C9A84C'>Deceased ID<\/a>\" : null,\r\n payload.doc_claimant_id_url ? \"<a href='\"+payload.doc_claimant_id_url+\"' style='color:#C9A84C'>Claimant ID<\/a>\" : null,\r\n payload.doc_proof_banking_url ? \"<a href='\"+payload.doc_proof_banking_url+\"' style='color:#C9A84C'>Proof of Banking<\/a>\" : null,\r\n payload.doc_medical_report_url ? \"<a href='\"+payload.doc_medical_report_url+\"' style='color:#C9A84C'>Medical Report<\/a>\" : null,\r\n payload.doc_police_report_url ? \"<a href='\"+payload.doc_police_report_url+\"' style='color:#C9A84C'>Police Report<\/a>\" : null,\r\n ].filter(Boolean).join(\" \u00b7 \");\r\n\r\n function row(l,v){ return \"<tr><td style='padding:6px 12px;color:#8892b0;font-size:12px;font-family:Arial'>\"+l+\"<\/td><td style='padding:6px 12px;color:#fff;font-size:12px;font-family:Arial'>\"+esc(String(v||\"\u2014\"))+\"<\/td><\/tr>\"; }\r\n\r\n var adminHtml = \"<div style='font-family:Arial,sans-serif;max-width:640px;margin:0 auto;background:#0D1454;color:#fff;border-radius:12px;overflow:hidden'>\"+\r\n \"<div style='background:linear-gradient(135deg,#1a237e,#0D1454);padding:24px 28px;border-bottom:1px solid rgba(201,168,76,0.3)'>\"+\r\n \"<div style='font-size:20px;font-weight:700;color:#C9A84C'>New Claim Submitted<\/div>\"+\r\n \"<div style='font-size:12px;color:rgba(255,255,255,0.5);margin-top:4px'>Ref: \"+claimNum+\"<\/div><\/div>\"+\r\n \"<div style='padding:24px 28px'>\"+\r\n \"<table style='width:100%;border-collapse:collapse;border:1px solid rgba(255,255,255,0.08);border-radius:8px;overflow:hidden'>\"+\r\n \"<tr style='background:rgba(255,255,255,0.05)'><td colspan='2' style='padding:8px 12px;color:#C9A84C;font-size:11px;font-weight:700;letter-spacing:.08em;font-family:Arial'>POLICYHOLDER<\/td><\/tr>\"+\r\n row(\"Policy Number\", payload.policy_number)+row(\"Name\",payload.policyholder_name)+row(\"ID\/Passport\",payload.policyholder_id_passport)+row(\"Phone\",payload.policyholder_contact)+row(\"Email\",payload.policyholder_email)+\r\n \"<tr style='background:rgba(255,255,255,0.05)'><td colspan='2' style='padding:8px 12px;color:#C9A84C;font-size:11px;font-weight:700;letter-spacing:.08em;font-family:Arial'>DECEASED<\/td><\/tr>\"+\r\n row(\"Name\",payload.deceased_name)+row(\"ID\/Passport\",payload.deceased_id_passport)+row(\"DOB\",payload.deceased_dob)+row(\"Date of Death\",payload.deceased_date_of_death)+row(\"Country of Death\",payload.deceased_country_of_death)+row(\"Cause\",payload.cause_of_death)+row(\"Place\",payload.place_of_death)+row(\"Hospital\",payload.hospital_institution)+row(\"Doctor\",payload.attending_authority)+\r\n \"<tr style='background:rgba(255,255,255,0.05)'><td colspan='2' style='padding:8px 12px;color:#C9A84C;font-size:11px;font-weight:700;letter-spacing:.08em;font-family:Arial'>BENEFICIARY<\/td><\/tr>\"+\r\n row(\"Name\",payload.beneficiary_name)+row(\"Relationship\",payload.beneficiary_relationship)+row(\"ID\/Passport\",payload.beneficiary_id_passport)+row(\"Contact\",payload.beneficiary_contact)+\r\n \"<tr style='background:rgba(255,255,255,0.05)'><td colspan='2' style='padding:8px 12px;color:#C9A84C;font-size:11px;font-weight:700;letter-spacing:.08em;font-family:Arial'>BANKING<\/td><\/tr>\"+\r\n row(\"Account Holder\",payload.bank_account_holder)+row(\"Bank\",payload.bank_name)+row(\"Account No.\",payload.bank_account_number)+row(\"SWIFT\/Branch\",payload.bank_swift_branch_code)+row(\"Country\",payload.bank_country)+\r\n \"<\/table>\"+\r\n (docLinks ? \"<p style='margin-top:16px;font-size:13px;color:#C9A84C;font-weight:700'>Documents: \"+docLinks+\"<\/p>\" : \"\")+\r\n \"<\/div><div style='padding:14px 28px;background:rgba(0,0,0,0.2);font-size:11px;color:rgba(255,255,255,0.3);text-align:center'>Mutual Lifeco Africa \u00b7 \"+new Date().toISOString()+\"<\/div><\/div>\";\r\n\r\n await fetch(SEND_EF,{\r\n method:\"POST\",\r\n headers:{\"Content-Type\":\"application\/json\",\"Authorization\":\"Bearer \"+ANON},\r\n body:JSON.stringify({ to:\"claims@mutuallife.africa\", subject:\"New Claim \u2014 \"+claimNum+\" \u2014 \"+payload.policyholder_name, html:adminHtml })\r\n }).catch(function(){});\r\n\r\n setProgress(85);\r\n\r\n \/\/ Send confirmation to claimant\r\n var confHtml = \"<div style='font-family:Arial,sans-serif;max-width:560px;margin:0 auto;background:#0D1454;color:#fff;border-radius:12px;overflow:hidden'>\"+\r\n \"<div style='background:linear-gradient(135deg,#1a237e,#0D1454);padding:32px 28px;border-bottom:1px solid rgba(201,168,76,0.3)'>\"+\r\n \"<div style='font-size:20px;font-weight:700;color:#C9A84C;margin-bottom:4px'>Mutual Life Africa<\/div>\"+\r\n \"<div style='font-size:13px;color:rgba(255,255,255,0.5)'>Claim Received<\/div><\/div>\"+\r\n \"<div style='padding:28px'>\"+\r\n \"<p style='font-size:16px;color:#fff;margin-bottom:12px'>Dear \"+esc(payload.policyholder_name)+\",<\/p>\"+\r\n \"<p style='font-size:14px;color:rgba(255,255,255,0.7);line-height:1.7;margin-bottom:16px'>We have received your claim and it is currently under review. Our claims team will assess your submission and contact you within <strong style='color:#C9A84C'>5\u201310 business days<\/strong>.<\/p>\"+\r\n \"<div style='background:rgba(201,168,76,0.08);border:1px solid rgba(201,168,76,0.2);border-radius:10px;padding:16px;margin:16px 0'>\"+\r\n \"<div style='font-family:Syne,sans-serif;font-size:11px;font-weight:700;color:#C9A84C;letter-spacing:.08em;margin-bottom:6px'>CLAIM REFERENCE<\/div>\"+\r\n \"<div style='font-size:18px;font-weight:700;color:#fff;font-family:monospace'>\"+claimNum+\"<\/div><\/div>\"+\r\n \"<p style='font-size:12px;color:rgba(255,255,255,0.4);line-height:1.6'>Please quote this reference in all correspondence. If you have any questions, contact us at <a href='mailto:claims@mutuallife.africa' style='color:#C9A84C'>claims@mutuallife.africa<\/a>.<\/p>\"+\r\n \"<\/div><div style='padding:16px 28px;background:rgba(0,0,0,0.2);font-size:11px;color:rgba(255,255,255,0.3);text-align:center'>Mutual Lifeco Africa \u00b7 420 Fifth Avenue, Manhattan, New York, NY 10018<\/div><\/div>\";\r\n\r\n await fetch(SEND_EF,{\r\n method:\"POST\",\r\n headers:{\"Content-Type\":\"application\/json\",\"Authorization\":\"Bearer \"+ANON},\r\n body:JSON.stringify({ to:payload.policyholder_email, subject:\"Claim Received \u2014 \"+claimNum+\" \u2014 Mutual Life Africa\", html:confHtml })\r\n }).catch(function(){});\r\n\r\n setProgress(100);\r\n hideOv();\r\n\r\n \/\/ Show success\r\n hideAll();\r\n document.getElementById(\"cl-steps\").style.display=\"none\";\r\n var okEl=document.getElementById(\"cl-ok\"); okEl.style.display=\"block\"; okEl.className=\"show\";\r\n document.getElementById(\"cl-ok-ref\").textContent=\"Claim Ref: \"+claimNum;\r\n window.scrollTo({top:0,behavior:\"smooth\"});\r\n }\r\n };\r\n\r\n function init(){\r\n buildDob(\"cl-dec-dob-wrap\",\"dob\");\r\n buildDob(\"cl-dec-dod-wrap\",\"dod\");\r\n CL.showStep(0);\r\n }\r\n\r\n if(document.readyState===\"loading\"){document.addEventListener(\"DOMContentLoaded\",init);}else{init();}\r\n})();\r\n<\/script>\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>Claims \u2014 Mutual Life Africa Claims Support \u00b7 Mutual Life Africa We’re HereWhen ItMatters Most When the time comes to make a claim, our process is designed to be clear, compassionate, and efficient. Everything you need is on this page. 30 min Acknowledged 48 hrs Full Resolution 24\/7 Support Scroll Claims Timeline \u2014 Mutual Life Africa Timeline at a Glance Resolved Within48 Hours From the moment you submit your claim, our team moves with urgency. Here is exactly what happens and when. 01 Step 01 Instant Claim Submitted Your claim is logged and you receive an automated confirmation with your unique reference number immediately. 02 Step 02 30 min Acknowledged A claims team member personally acknowledges your submission and confirms all documents received. 03 Step 03 3 hrs Assessment Our assessors review all documents, verify the policy, and check that the event is covered under your policy terms. 04 Step 04 6 hrs Review Senior review of the assessment finding and internal sign-off before a decision is communicated to you. 05 Step 05 12 hrs Verification Final compliance and identity verification completed. Banking details confirmed for payout. 06 Step 06 48 hrs Payout Approved claims are paid directly to the account provided, in your policy currency \u2014 USD, GBP, EUR or ZAR. Step by Step The ClaimsProcess Follow these six steps to submit a complete claim and avoid delays. Every claim is reviewed personally by our team. 01 Within 30 days Notify Us Immediately As soon as a claimable event occurs, contact Mutual Life Africa as soon as reasonably possible. Email claims@mutuallife.africa or call +1 667 317 7991. Early notification helps us guide you and prevent delays. 02 Before you start Gather Your Documents Collect all required documents before starting \u2014 death certificate, ID documents for the deceased and claimant, proof of banking, and any medical or police reports where applicable. 03 Instant confirmation Complete the Claim Form Complete the secure online claim form using the policyholder’s ID or passport number. The guided form covers all sections in one submission \u2014 policy details, cause of death, beneficiary, banking, and supporting documents. 04 Within 30 minutes Claim Acknowledged You will receive an automated confirmation with a unique claim reference immediately after submission. Our team will personally acknowledge receipt within 30 minutes during business hours and flag any outstanding items. 05 3\u201312 hours Assessment & Verification Our assessors review all documents, verify policy status, confirm premiums were up to date, and validate that the event is covered. Initial assessment takes around 3 hours, with senior review and compliance check completing within 12 hours. 06 Within 48 hours Decision & Payout You will be notified of the outcome by email. Approved claims are paid directly to the banking account provided within 48 hours in your policy currency. Transfers to cross-border beneficiaries may be subject to applicable banking fees. Claims Documents \u2014 Mutual Life Africa Document Checklist What You’llNeed All documents must be clear and legible. Certified copies are preferred. Files must be PDF, JPG or PNG, max 10MB each. 01 Death Certificate Official death certificate issued by the relevant government authority in the country of death. Required 02 Deceased ID \/ Passport Copy of the deceased person’s national identity document or valid passport. Required 03 Claimant ID \/ Passport Copy of the claimant’s (beneficiary’s) national identity document or valid passport. Required 04 Proof of Banking Recent bank statement or official bank letter confirming account holder name, bank name, and account number. Required 05 Medical Report Doctor’s report or hospital records. Required where cause of death is illness or a medical condition. Conditional 06 Police Report Required if the death was accidental, violent, or is under police investigation. Conditional Important Note Incomplete or unclear documents are the most common cause of claim delays. Ensure all documents are fully legible and correctly certified before uploading. If you are missing a document, your claim will still be logged. Email outstanding documents to claims@mutuallife.africa with your claim reference number. Documents in another language require an official English translation. File Requirements Accepted formatsPDF \u00b7 JPG \u00b7 PNG Max file size10 MB per file CertificationCertified preferred LanguageEnglish only Claims Exclusions \u2014 Mutual Life Africa Policy Exclusions What IsNot Covered The following circumstances may result in a claim being declined. Please review your full policy documents for the complete exclusions schedule. \u23f3Waiting Period Claims for events occurring within the first 6 months of the policy start date may not be eligible, unless the cause of death is accidental. \ud83d\udc8aPre-existing Conditions Deaths directly caused by conditions that existed before or at the time the policy was issued and were not disclosed during underwriting. \ud83d\udcb8Lapsed Policies Policies that were not active at the time of the event due to non-payment of premiums are not eligible for a payout. \ud83d\udeabFraudulent Claims Any claim containing false, misleading, or fraudulent information will be rejected and may be referred to relevant authorities. \u26a0\ufe0fSelf-inflicted Events Deaths resulting from self-inflicted injury or suicide within the first 24 months of the policy are excluded under standard terms. \u2694\ufe0fWar & Civil Unrest Deaths occurring as a direct result of war, invasion, civil war, rebellion, or participation in military or paramilitary activity. Claims FAQ \u2014 Mutual Life Africa Frequently Asked ClaimsFAQ Answers to the most common questions about making a claim. Contact our team directly if your question is not answered here. Who can submit a claim?+ A claim can be submitted by the policyholder, a named beneficiary, or a legal representative of the estate. The claimant must provide valid identity documents and proof of their relationship to the insured person. How long does processing take?+ We resolve all claims within 48 hours. Acknowledgement happens within 30 minutes, assessment within 3 hours, senior review within 6 hours, final verification within 12 hours, and payout is processed within 48 hours of submission. In which currency will my payout be made?+ Payouts are made in the currency of your policy \u2014 USD, GBP, EUR, or ZAR. International transfers may be subject to<\/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-12304","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/mutuallife.africa\/za\/wp-json\/wp\/v2\/pages\/12304","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mutuallife.africa\/za\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/mutuallife.africa\/za\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/mutuallife.africa\/za\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/mutuallife.africa\/za\/wp-json\/wp\/v2\/comments?post=12304"}],"version-history":[{"count":4,"href":"https:\/\/mutuallife.africa\/za\/wp-json\/wp\/v2\/pages\/12304\/revisions"}],"predecessor-version":[{"id":13148,"href":"https:\/\/mutuallife.africa\/za\/wp-json\/wp\/v2\/pages\/12304\/revisions\/13148"}],"wp:attachment":[{"href":"https:\/\/mutuallife.africa\/za\/wp-json\/wp\/v2\/media?parent=12304"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}