Your family or loved ones would receive a lump sum to repay your mortgage, or even replace your income.
Get a large cash sum. This could help towards your healthcare costs or even to cover your loss of income.
Cover to help with loss of employment income if you're retrenched.
Expensive funeral costs can be stressful, especially at a time of bereavement.
You'll need to match your cover to the term of your mortgage to ensure your house is covered.
Cover should be in place for your children for as long as they are dependent on you.
if your retirement plans are in order, it's best to have cover to protect your savings against healthcare costs.
Thinking of leaving an inheritance for your family? Decide upon how much they need.
If you weren't earning, could you pay all your bills? How long could you last without an income?
Are you thinking of buying a new home? Does your partner rely on your income? Will you need insurance to cover your mortgage?
If you lose your income, income protection insurance protects your family from financial hardship. Life insurance will protect them if you die.
Is your mortgage paid in full? Have your children left home? Time to think about protecting yourself against funeral costs. Thought about inheritance tax?
We work with all major insurers and are highly rated by all of our customers
Very knowledgeable advisors. Everything was expertly explained to me and the whole process was quick and easy.
Julia in your call centre made me feel very welcome and at ease and helped me choose the best policy for my budget
Just want to let you know how happy I am with your service. I now feel safe knowing I have good quality insurance in place and that my family will be looked after when I am no longer around.
All my questions were answered and the advice was very good – well done.
After searching for weeks trying to find a good life insurance company to deal with I was just about to give up hope until I came across your website. Thank you for all your help... it was such a quick and pleasant process and I now have the perfect life insurance cover at an affordable price!
My family is now safe, thank you. My life insurance policy gives me all the cover I need at a very good monthly premium.
The time frame in getting a quote and going on cover could vary from person to person. This is because each person's circumstances and requirements are different. On average, it could take just a few minutes, to a few days, or weeks to finalise a quote and issue a policy. It all depends on a person's health, and policy requirements.
There are a lot of options available for life insurance, with many companies offering different incentives and rewards for choosing a policy with them. It is important, as with any large purchase, to do research about the product you are considering. Here are a few things to consider in helping you make a decision:
You must find a policy that fits the needs you anticipate after your death. A good company or insurance broker will help you examine your current budget and lifestyle in order to figure out what policy will serve those concerns after your death.
What can you afford to pay in a premium every month? This is a crucial question because every company figures out how risky it is to insure the life of a single person. Each company does this calculation in different ways so it's important to compare insurance rates against each other, as they are often quite different. If you are seeking out quotes online, most of the rates do not take into account your medical history or lifestyle, which can alter the final price significantly.
Many insurance companies offer additional benefits as part of their life insurance packages including bereavement counseling for families or even money to cover living expenses while the life insurance paperwork is processed. These add-ons can often add to the bottom line, but also can provide more quality to your policy.
Reliable, reputable, quality life insurance companies pay out the benefits in accordance with all the conditions of the policy you purchased 95-100% of the time. It is important to check the rate for the company you choose, because the last thing you want any of those who survive you to deal with is hassle with the insurance company over denying your rightful life insurance claim.
Our service to you is absolutely free of charge. Neither we, nor do any of the life insurers whom we pass on your application to charge any fees whatsoever.
Yes, certainly. You may amend your policy and cover at any time you like. However, policies do become more expensive the older you are, and some forms of cover may also not be available to you at a later stage should your health profile change. Our insurers can advise on the best way forward with this.
We only work with reputable, well know South African Life Insurance companies who are licenced and regulated. They are experts in providing the best advice as well as ensuring that your interests are protected.
Only 1 in 10 families have income protection.