Our premium payment options are easy and flexible. Lump sums can be invested at any time to enhance the achievement of your goals.  Maximizing on Tax advantaged investment will ensure you receive the best value for your money. Interest is compounded monthly so returns are maximized.


  • Policy owner must be at least 18 years on last birthday.
  • Life insured can be from 0 to 70 on last birthday.
  • Owner and insured can be two different people.
  • A person can be insured under more than one policy, as long as the Total Sum Insured does not exceed $500,000.
  • Premium paid on the Omni policy earn tax free interest up to specific limits. These are:

    Contractual (regular) Premiums up to $60,000 p.a. Additional (Lump Sum). Premiums up to $1 million p.a. provided that no withdrawals are made from the lump sum for 5 years.

HOME DEPOSIT: Many people dream of owning a home but forget that before they can purchase their home, they will need a deposit. Omni is an investment vehicle that puts Jamaicans on the road to purchasing their first home, through monthly or quarterly premiums. One of our financial advisors will be happy to sit with you to tailor a plan that will meet your specific needs. If your goal is to own your home in 5, 6 or 10 years, then we invite you to come and talk with us.

Features & Benefits
  • Flexible monthly or quarterly premiums.
  • Flexibility to add lump sum payments
  • Expert financial advice to help you realize your goals

RETIREMENT: In 2003, NCBIC introduced the concept of “needing to retire at 45.” With a proper investment strategy, many are now discovering that it is indeed possible to retire earlier than the traditional retirement age of 65, giving you more time to enjoy life—whether it be traveling the world, focusing on a lifelong passion or spending more time with your grandchildren---in your golden years. Whether you choose to retire at 45, 55 or 65, NCBIC will customize a plan that will help you achieve your goals.

Features & Benefits
  • Reach your retirement goals quicker than you’d think
  • Flexible monthly or quarterly premiums
  • Flexibility to add lump sum payments
  • Expert financial advice to help you realize your goals


For more information see our (FAQ) Frequently Asked Questions, , visit any Insurance Advisor at any NCB Branch islandwide or call 1-888-MY NEEDS(69-63337).