How to apply for Life Cover

Life cover is insurance that helps protect your loved ones financially if you pass away. It pays out a lump sum or structured benefit to the people you choose, so they can manage living costs, debt or big expenses like a home loan.

With our Life Cover, you can personalise your plan to suit your family's needs and your budget. Choose one or combine all 3 payout options:

• Monthly income for up to 24 months
• A lump sum paid once-off
• Children's needs managed through a trust until they turn 21

Our Life Cover is available to anyone up to the age of 65. There are no medical tests required, making it simple and accessible.

You only need:

• Your South African ID
• Your bank account details
• Your email address
• Your beneficiaries’ details (ID numbers or dates of birth)

Yes. You can add up to:

• 6 adult beneficiaries for the lump sum payout
• 6 adult beneficiaries for the monthly income option
• 10 minor beneficiaries for the children’s needs option

Note: You will need to provide details of an adult who will care for any minor beneficiaries if you pass away.

Our Life Cover helps protect your loved ones financially if you pass away, so they can manage living costs, debt or big expenses without added stress.

On top of that, you also get:

• Newborn premium waiver: Get full cover for up to 6 months if you apply within 3 months of your child’s birth or legal adoption. This benefit has a 6-month waiting period. You’ll need an unabridged birth certificate or adoption letter to apply
• Voluntary policy pause: Pause your policy for up to 6 months without paying premiums. All benefits stop during this time, but you can restart anytime within 6 months. This benefit has a 24-month waiting period. No documents needed
• Waiting period waiver for natural death: Switching from another licensed insurer? If your waiting period is over, we’ll waive it for natural death for the same cover amount, provided you qualify for the same cover with us