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What if something happens to you?
Your child's education shouldn't stop. Protect their future with education insurance today.
Average university cost
Risk of income loss
Secure Your Child's Education—No Matter What
We compare Nigeria's top NAICOM-approved plans so your child never drops out.
Only NAICOM-Approved Providers. Your money is 100% safe.
🏆 Nigeria's Most Trusted Education Insurance Broker
What if a health crisis strikes tomorrow?
Your income can stop at any moment — but your child's school fees never will.
Critical Illness
A stroke. A cancer diagnosis. You're hospitalised — unable to work. Your income stops. Your child's fees don't.
1 in 3 Nigerian adults face critical illness before age 60
Untimely Death
You're gone. Who pays next term's fees? Who ensures your child graduates?
Most Nigerian children are still in school when a parent passes away
Your child still needs ₦10,327,292 to finish school.
Whether you're here or not. Whether you're earning or not. The fees keep coming every term.
Savings or Insurance?
One stops. The other doesn't.
Both cost ₦938,845/year. But only one guarantees ₦10,327,292 at graduation.
Fund accumulated over time — ₦938,845/year
Hover over any year to see the exact figures
Regular Savings / FD
Education Insurance Plan
Without insurance
After Year 3 crisis: savings frozen at ₦2,816,534. Your child still needs ₦7,510,758 more.
With Ombrella insurance
After Year 3 crisis: insurer takes over. Full ₦10,327,292 is still guaranteed at graduation.
Two instruments. One goal.
Only one works when it matters most.
Both savings and education insurance help you build a fund. The difference becomes clear when life doesn't go to plan.
| Feature | Savings / FD | Education Insurance |
|---|---|---|
| Guaranteed payout at graduation | Dependent on discipline & market | 100% contractually guaranteed |
| Continues if you're critically ill | Contributions stop immediately | Waiver of Premium — insurer pays |
| Continues if you pass away | Family must continue saving alone | Insurer funds the full outstanding balance |
| Earns returns on contributions | CBN-linked interest rates | Endowment returns + declared bonuses |
| Tax-exempt proceeds | Interest income is taxable | Tax-exempt under Nigerian law |
Critical: If you pass away or become critically ill, savings stop — but Education Insurance activates a Waiver of Premium and continues funding your child's education in full.
The Verdict
Use savings for short-term goals.
Use education insurance to guarantee your child's future — no matter what.
Education is the greatest gift you can give your child. Insurance is the promise you keep.
Savings depends on you being alive, healthy, and employed. Education insurance guarantees your child's future — no matter what happens to you.
1 in 3
Nigerian parents face a health crisis before their child finishes school
12%
Annual school fee increase in Nigeria
₦180K/yr
Minimum annual premium to guarantee your child's education
How We Secure Your Child's Future
We compare Nigeria's top education insurance plans so you don't have to. Get your quote in under 2 minutes.
Tell Us Your Goal
Your child's age and how much you want to secure. Takes less than 60 seconds.
We Compare Top Insurers
Our experts compare NAICOM-approved plans from Nigeria's top insurers for your budget.
You Pick the Best Plan
We present your personalised options clearly. No pressure, no jargon — just honest advice.
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"But I heard that..."
Six things Nigerians believe about insurance — and the truth behind each one.
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Why buy from Ombrella Insure?
Nine reasons thousands of Nigerian parents trust us with their child's future.
Plans from Nigeria's top NAICOM-approved insurers
Your child's future is worth protecting.
Join 10,000+ Nigerian families who've already made the smart choice. Start your free quote — takes 60 seconds.
They were in your shoes. Here's what happened.
Real stories from Nigerian parents who chose to protect their children's education.
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I used to save in a regular bank account, but I realized if anything happened to me, the savings would stop. With Ombrella, I pay ₦15,000/month and sleep better knowing my daughter's fees are 100% guaranteed.
Engr. Tunde A.
Engineer & Father · Lagos
Comparing plans here saved me so much stress. I found a plan that fits my business income perfectly. No more 'What if' worries.
Mrs. Ifeoma O.
Business Owner & Mother · Port Harcourt
As a single mum, I was scared I couldn't afford it. Ombrella found me a plan for just ₦12,000/month. Now I sleep knowing my daughter's university is paid for no matter what happens to me.
Fatima A.
Nurse & Single Mother · Kano
My job is risky. I needed to know that if anything happened to me, my twins would still go to university. Ombrella sorted everything in 2 minutes. Honest and clear — no jargon.
Emeka O.
Oil & Gas Worker & Father · Port Harcourt
Families Protected
Education Secured
Satisfaction Rate
Average Rating
Frequently Asked Questions
Everything you need to know about Education Insurance