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The length of your cover will depend on what you want to protect.
Your mortgage
You'll need to match your cover to the term of your mortgage to ensure your house is covered.
Your children
Cover should be in place for your children for as long as they are dependent on you.
Your retirement
if your retirement plans are in order, it's best to have cover to protect your savings against healthcare costs.
Rest of your life
Thinking of leaving an inheritance for your family? Decide upon how much they need.
What you should consider if you're...
Single
If you weren't earning, could you pay all your bills? How long could you last without an income?
Couple
Are you thinking of buying a new home? Does your partner rely on your income? Will you need insurance to cover your mortgage?
Family
If you lose your income, income protection insurance protects your family from financial hardship. Life insurance will protect them if you die.
Retired
Is your mortgage paid in full? Have your children left home? Time to think about protecting yourself against funeral costs. Thought about inheritance tax?
Very knowledgeable advisors. Everything was expertly explained to me and the whole process was quick and easy.
Simon Moran
Will definitely recommend to friends
Julia in your call centre made me feel very welcome and at ease and helped me choose the best policy for my budget
Sarel Botha
Thank you!
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.
Christine Stoltz
Positive experience
All my questions were answered and the advice was very good – well done.
Tebogo Kgethi
Easy process :)
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!
Nadine Shaw
Good value
My family is now safe, thank you. My life insurance policy gives me all the cover I need at a very good monthly premium.
Thembiwe Motau
Common questions
How long does it take to get covered? aaa
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.
How to choose a Life Insurance company aaa
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:
What are the needs of my family after my death?
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.
Cost/Budget
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.
Add-on benefits
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.
What is the company's payout rate?
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.
Do you charge any fees? aaa
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.
Can I amend my cover at a later stage?aaa
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.
How can I be sure that I'm getting the best advice? aaa
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.
Factoid
Only 1 in 10 families have income protection.
Free, no obligation, expert advice.
Speak to one of our Insurers today and you'll get good honest advice as well as the best cover in the market!
