Let us be honest about something insurance companies do not like to say out loud: insurance is a “someday” product. You buy a policy hoping you never need it. Your car insurance is doing its job perfectly on the day nothing happens to your car. Your health cover is a success story every single day you do not fall sick. That is the strange, beautiful paradox of insurance: the best possible outcome is that you forget you even have it.
Here is the thing about being human: we want to feel like our money is working for us right now. We want our loyalty to show up in something we can use today, while we wait for a rainy day that, fingers crossed, never comes.
That is exactly the gap we set out to close with two programmes, the Heirs Insurance Rewards Programme and the Heirs Xcite Promo. Both are designed to make sure that loyalty to Heirs Insurance pays you back long before you ever need to file a claim.
The Everyday Wins: Heirs Insurance Rewards Programme
Think of this as your all-access pass to a life that costs a little less, every single day.
The moment you become a loyal Heirs Insurance customer, you unlock generous discounts at a growing network of partner brands, the kind of places you are probably already spending money at. Health, wellness, food, travel, books, your car; we have covered the categories that actually make up daily life. Thousands of customers are already using this, quietly saving on the things they would be doing anyway.
Your health, for one, gets a little lighter on the wallet. At Avon Medical, you enjoy a meaningful discount on consultations, laboratory tests, and comprehensive health packages, because quality care should not feel like a luxury. When it is time to unwind, Oriki Spa, Nigeria’s first luxury spa brand, gives you a discount too, because sometimes the best investment in your health is an hour of doing absolutely nothing. For the days you are chasing a fitter version of yourself, PureFitness takes a healthy chunk off gym services and wellness programmes, and if life throws an emergency your way, Emergency Response Africa softens the cost of ambulance support and emergency care plans, because peace of mind deserves a discount too.
Your car gets some love as well. Roll into 3AL Garage in Lagos and flash your loyalty card for a solid discount on full bodywork, mechanical and electrical repairs, along with an even better rate on minor touch-ups. AutoFixr trims down the cost of diagnostics and repairs, and AA Rescue takes a little off roadside assistance, because breakdowns are stressful enough without the bill piling on.
Everyday pleasures are not left out either. SoFresh discounts its clean, nutritious meals and smoothies (Greek yoghurt sits this one out), Happy Coffee shaves something off your coffee runs and cosy work sessions, and Roving Heights Bookstore takes a little off the top for every book lover topping up their shelf. And if you are planning a getaway, Transcorp Hilton in Abuja, named Best Luxury Hotel in Nigeria and Best Luxury Business Hotel in Africa, offers a discount on rooms.
All you need is your Heirs Insurance loyalty status. There are no hoops, no waiting for a claim, no fine print gymnastics. You simply show up, flash your card, and pay less.
The Big Wins: Heirs Xcite Promo
Xcite is about rewarding the moment that matters most in insurance, the moment you choose to stay.
Renewing a policy is easy to overlook. It is not particularly exciting, there is no unboxing moment, and honestly, most people only think about their insurance when something goes wrong. Xcite brings some excitement into the renewal moment itself, especially for our motor insurance customers.
Here is how you get in. You renew or reactivate a motor policy and keep it active for a set minimum period, or bring a lapsed policy back to life. Alternatively, you pick up any of our General Insurance products and you are in too. Your premium needs to follow a steady payment pattern, or be paid in full as a single premium. The promo runs for a full year, open to our retail mass market customers, and reachable across every channel we have, including digital platforms, in-branch visits, WhatsApp, and a simple conversation with a staff member.
And then comes the fun part, an instant reward, sized to your premium. The size of the reward depends on your premium, scaling from a bit of airtime for smaller premiums up to a mix of DStv, Showmax, airtime, or electricity tokens for larger ones. Whatever tier you fall into, the idea stays the same: you choose whichever voucher keeps your life running smoothly.
There is no draw, no waiting list, no “you will be contacted if you win.” You renew your cover, and the reward lands with you, whether that is airtime to stay connected, DStv or Showmax to stay entertained, or electricity tokens to keep the lights on. These are practical rewards, designed for everyday life.
Why We Are Doing This
Insurance will always be, at its core, a promise for a future you hope never arrives. What we can change is how it feels to hold that promise in the meantime.
The Heirs Insurance Rewards Programme and the Xcite Promo exist because your loyalty deserves more than a policy document sitting quietly in your inbox. It deserves discounts you can use this weekend. It deserves a reward the moment you renew, immediate and certain.
So whether you are stacking books at Roving Heights, getting your car serviced at 3AL, or simply renewing a policy you have had for years, with Heirs Insurance, today pays off too.
Do you have questions or want to check your eligibility? Chat with our customer service team, we are here for it.