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The amount you pay is based on your individual profile. There is no obligation when using this tool, but if you’d like to apply, just give us your details. A representative will contact you within 24 hours.

Contact an adviser for a full financial needs analysis to determine how much cover you need.

If you require assistance, please contact us on +27 21 916 1500. Our operating hours are Monday – Friday, 08:00 – 17:00.

Click the

icon for more information about any of the terms used.

Step 1 : Tell us about yourself

Complete the form below:

Date of birth *

dd/mm/yyyy

Gender *

Male

Female

Have you smoked or have you used
e-cigarettes or tobacco in any other
form, during the last 12 months? *

Yes

Highest qualification *

Occupation *

If your job requires travelling for work purposes, please select one of the following:

Travelling (Hours per day) *

Time spent for travelling for work purposes, but excluding time travelled:

• between your residence and workplace, and
• as a passenger on a flight on a registered airline.

Gross monthly income before tax
and other deductions *

Your partners gross monthly income before tax and other deductions
(if applicable)

Required Fields *

Step 2 : Tell us what you need

Tell us for what kind of cover you would like a quote. Click

for more information on the options available.

The amount of cover that you indicate in this quote will be the lump sum payable when you claim.

Cover Amount

The cover amount indicates the amount that may be paid out. There are various factors to consider when determining the appropriate amount of cover, for example what debt you might need to cover and how much money you and/or your family would need in the given circumstances. Your financial adviser is best positioned to advise you on the appropriate amount of cover.

Please select your cover type first by ticking the box, then select your cover amount by using the slider.

Life Cover

We will pay the selected cover amount when you pass away. This money may be used to cover debt and provide for those left behind.

Disability Cover

We will pay the selected cover amount should you become permanently unable to work or do your daily tasks, or suffer certain impairments like loss of vision or limbs. As the amount you need to replace your income nearer to retirement decreases, the cover amount will be gradually reduced after age 61. The money may be used to pay for necessary therapies, structural adjustments to a home or car or to supplement your income if needed.

Dread Disease Cover

We will pay a certain percentage of the selected cover amount if you are diagnosed with any of a range of diseases such as cancer, stroke, heart conditions and others. This money may be used to cover your income when you can’t work, help take care of additional expenses that accompany your illness and provide you the freedom to reprioritise your life should you choose to.

Accidental Injury Cover

We will pay a certain percentage of the selected cover amount if you suffer any of a range of injuries. This money may be used to cover the cost of obtaining new skills or to supplement your income if needed.

Accidental Disability Cover

Unlike the Disability benefit, this benefit only covers disabilities that are the result of an accident or violent crime. We will pay the selected cover amount should you become permanently unable to work or do your daily tasks. We will also pay if you suffer certain impairments such as loss of vision or limbs, or accidental HIV infection. As the amount you need to replace your income nearer to retirement decreases, the cover amount will be gradually reduced after age 61. The money may be used to pay for necessary therapies, structural adjustments to a home or car or to supplement your income if needed.

Step 3 : Select your quote

Look at the quote below. If you are happy with this quote, please tick select before you move to the next step.

In order to keep your cover at the amount selected, your payments will be increased with a certain percentage each year. The percentage increase will depend on your age at the time of the increase, for example at age 25 the annual payment growth will be 0% and at age 50 it will be 6%.

We have given you two quotes. The difference between these is explained below. Please select the option you prefer before moving to the next step.

Contact us on +27 21 916 1500, if you’re unsure about the option that’s best for you. Our operating hours are Monday – Friday, 08:00 – 17:00.

Age related payment pattern

In order to keep your cover at the amount selected, your payments will be increased with a certain percentage each year. The percentage increase will depend on your age at the time of the increase, for example at age 25 the annual payment growth will be 0% and at age 50 it will be 6%.

Fixed compulsory payment pattern

In order to keep your cover at the amount selected, your payments will be increased by 5% per year.

* Plan Charge

A monthly plan charge of R20.00 will be added to the payments for your benefits to determine the total monthly payment. Each year when the payment increases, the plan charge will be increased at the same rate.

This a payment based on the information provided. The option shown is the most cost effective solution for you at this time.

These are the payments based on the information provided. The options shown are the most cost effective solutions for you at this time.

Step 4 : Review your quote

Let us know if you're happy with this quote and we'll have someone contact you in the next 24 hours. You can also choose to have these details, along with more information about the selected option, printed or e-mailed to you.

Interested ?				Not Interested? Let us know why.
Email me a copy of this quote

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Please provide us with your information.

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Required Fields *

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Required Fields *

Note: This quote is based on the information provided. If you want to apply for any of these options, we’ll need more information to give you a final quote. Please note that the final quote may differ from the one displayed here.

The granting of the benefits, or the final monthly payment for benefits, may further be subject to any additional underwriting requirements that may be required. We do underwriting for a variety of health and lifestyle factors, including raised body mass, medical history, occupation and part-time activities.

Contact an adviser for a full financial needs analysis to determine how much cover you need.

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