This Policy provides for the payment of a lump sum at the occurrence of death plus an option to cover Permanent Disability and Critical Illness. This policy is specifically designed for Companies, Social and Religious Groups. If an employee under this cover dies or is permanently disabled while in service, Donewell Life shall pay an agreed sum (benefit) to his/her named beneficiary. The cover could be extended to cover third parties like: Spouse, Mother, Father and Children.