Life Assurance

Life assurance is a financial product that protects your loved ones, giving you and your family peace of mind. A Life Assurance contract pays out a sum of money if the insured person dies, suffers a disability or incurs a severe illness. Life Insurance is paid for by a monthly fee (called a premium) and, as with any insurance, you are only covered if you continue paying this premium

Life Assurance is designed to provide financial security to your dependents in the event of your death. It is a long-term insurance policy that pays out a lump sum to your beneficiaries. Life Assurance in South Africa can cover expenses such as funeral costs, outstanding debts, and ongoing living expenses, ensuring that your loved ones are financially supported. Our life assurance products are tailored to your family’s needs and circumstances, providing peace of mind knowing that your dependents will be taken care of.

Life Cover is an essential product that ensures your dependents receive a lump sum payout if you pass away unexpectedly. In South Africa, this type of cover can help your family pay off debts, maintain their standard of living, and manage everyday expenses like school fees, mortgage repayments, and household bills. We work with you to determine the appropriate level of cover based on your financial situation and family needs.

Disability Cover ensures that you continue to receive a source of income if you become disabled and are unable to work. This type of insurance provides financial stability during difficult times by replacing lost income due to permanent or temporary disability. In South Africa, disability cover is crucial as it can help you maintain your lifestyle and cover necessary medical expenses, even if you’re no longer able to generate an income from employment.

Income Protection insurance provides a regular income if you are unable to work due to illness or injury. In the South African context, where unexpected events can drastically impact one’s ability to earn a living, income protection ensures that you can continue meeting your financial obligations, such as paying for mortgage, education, or daily living expenses. The policy is tailored to your income level and job type, offering comprehensive cover for your specific needs.

Retrenchment Protection provides a financial safety net in the event of job loss due to retrenchment. In the uncertain South African job market, this insurance product gives you the peace of mind that you will have a regular income while searching for new employment. Our retrenchment protection policies help cover essential expenses like rent, groceries, and utilities, so you can focus on finding your next opportunity without the added financial stress.

Accidental Benefits cover you in the event of unexpected accidents that result in injury or death. In South Africa, where road accidents and workplace injuries can have serious financial implications, accidental benefits offer a lump sum payout to cover medical costs, loss of income, or funeral expenses. This type of cover is an affordable way to ensure that you and your family are protected from the financial fallout of an unexpected accident.

Waiver Benefits relieve you from the obligation to pay premiums in the event of disability or critical illness. This feature ensures that your insurance policy remains active and continues to provide cover, even if you are unable to work and make payments. In South Africa, this is a vital add-on to life, disability, or income protection policies, offering continued financial protection during times of crisis.

Ancillary Benefits provide additional financial protection for unexpected life events. These benefits may include coverage for travel emergencies, legal assistance, funeral services, and more. Our ancillary benefits are designed to give South Africans peace of mind knowing that they have extra layers of coverage for events that fall outside standard insurance products.