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The Isago Multi-Fund Discretionary Savings Plan is a flexible investment and savings policy offered by Botswana Life. It is designed for individuals who want to save for specific milestones—like a child's education, a wedding, or starting a business—while maintaining access to their money if an emergency arises.
Here is a breakdown of the key features and benefits as of 2026:
1. Key Features
Minimum Premium: P500.00per month.
Policy Term: A minimum period of 10 years.
Premium Flexibility: You can choose level premiums or have them increase by 5% or 10% annually to keep up with inflation.
Investment Choice: You can allocate your premiums across various local and offshore funds (managed by BIFM) based on your risk appetite (Conservative, Moderate, or Aggressive).
2. Core Benefits
Partial Withdrawals: Unlike many traditional life policies, Isago allows you to make partial withdrawals before the maturity date if you need cash for an emergency.
No Initial Fees: 100% of your premium is invested from day one, with no initial investment fee.
Free Fund Switching: You can switch your investment allocation between different funds up to 3 times a year for free.
Waiver of Premium: If the policyholder becomes disabled before age 70 (or the end of the term), Botswana Life will take over the premium payments to ensure the goal is still met.
3. Payout Conditions
On Maturity: You receive the full investment value, which you can take as a lump sum or reinvest.
On Death: If the policyholder passes away before maturity, the company pays the greater of the total investments made (minus withdrawals) or the current market value, plus any optional funeral benefits.
4. Optional Add-ons
Funeral Benefit: You can add a funeral cover ranging from P15,000 to P25,000 for the policyholder.
Comparison: Isago vs. Isago Educator
While both are similar, the Isago Educator is specifically branded for school fees. It invests primarily in the Educator Fund and focuses on allowing withdrawals specifically aligned with school terms.
Note: Investment returns are not guaranteed and depend on market performance.
PUBLIC NOTICE
To our valued clients, our office will be closed on Monday the 20th of July and Tuesday the 21st July 2026 due to the Presidents Holiday.
Normal operations will resume on Wednesday the 22nd.We are available for emergencies on our WhatsApp number below.
We wish the President of the Republic of Botswana, Advocate Gideon Duma Boko, the citizens and residence of Botswana a peaceful, accident free Presidents Holiday.P**a
11/05/2026
WE JOIN THE NATION IN MOURNING A LEGEND, DISTINGUISHED STATESMAN
Our deepest condolences to the President of the Republic of Botswana Advocate Duma Gideon Boko,the people of Botswana and the Mogae family at the passing on of Dr Festus Mogae,former President of the Republic of Botswana.May his soul rest in eternal peace.
Absolute Insurance Brokers wishes Happy Mother’s Day to all the incredible mothers and mother figures whose love, strength, and sacrifices shape our lives every day. Your care, guidance, and endless support make the world a better place. Today we celebrate you and all that you do. Wishing you a day filled with love, joy, and appreciation. 💐
02/05/2026
For mining and general Insurance Solutions to protect your team,call our sales team on 3161243/72761007 today.
18/04/2026
Life is full of uncertainties, insurance is a sure way to cushion ourselves from some of these uncertainties.Please call for tailor made insurance solutions for business and individuals.
15/01/2026
EMPLOYMENT OPPORTUNITY
-Are you unemployed?
-Do you have COP?
-Is your age above 25 years?
-Are you interested in working in insurance sales and earning good commission?
-Do you have good interpersonal skills?
-Are you residing in Gaborone or surrounding areas?
If the answer to all the above questions is yes,then we are looking for you, please send your CV and certificates to [email protected] ,not later than 31/01/2026
18/12/2025
As Christmas holidays are upon us we wish the President the Republic of Botswana, Advocate Boko, the citizens and residents of Botswana and our esteemed clients a happy and accident free holiday.
We shall be closed for the holiday from the 19th of December 2025 open on the 06th of January 2026.Ee will be available for emergencies on WhatsApp.
05/11/2025
Don't be caught without Homeowners,Home Contents and Business All Risk Insurance Covers as the rain season is upon us.Be sure your assets are protected.Give us a call or send WhatsApp for a tailor made quote.
28/09/2025
Happy Independence Holidays to the President of the Republic of Botswana, Advocate Duma Boko,our valued clients , citizens and residents of Botswana.Let us enjoy responsibly, Don't drink and drive.
Our office is closed for business from the 29/09/2025 and we open on the 2nd of October 2025.
During this period we can be reached ,for emergencies, on our WhatsApp number.
P**a!!!!!!
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