Life cover
Life cover insurance that protects more — and costs less.
Get a life cover quote in minutes and enjoy peace of mind knowing your loved ones will be financially secure if the unexpected happens. With LifeReturns®, you could save up to 35% on your monthly premiums. Our smart digital technology quickly and accurately assesses your health risk factors to calculate your maximum discount — giving you more protection for less.
- Settle significant debt like a bond or credit card.
- Ensure your legacy continues, knowing there's enough to cover your children's education and living expenses.
- Get affordable life cover. Save up to 35% on your monthly premium with a personalised LifeReturns® premium discount.
What is life cover?
Life cover ensures that your financial responsibilities are taken care of in the event of your death. It replaces the income you would have earned during your working life, ensuring that your family is financially secure.
When should I get life cover?
- Discuss the benefits of taking out life cover with a financial adviser.
It is advisable to buy life cover earlier because you never know when you are going to need it and, as you get older, life cover gets more expensive. - If anyone else depends on your income, you should consider taking out life cover – the earlier the better.
For example, if you’re married, you and your spouse may want to take out life cover for each other. Many married couples rely on 2 incomes to cover their monthly expenses, and if one spouse dies, the other spouse would need to cover those expenses on one income.
How much life cover do I need?
To find out how much life cover you need, work out what portion of your income your family needs today. Because that is what they will need if you die tomorrow.
The next step is to calculate the lump sum that will generate this income up to your planned retirement age, taking inflation into account. You can select life cover from R100 000 up to R5m.
Find out how with our online life cover quote.
We pay all valid claims
We know every claim tells a story - a family grieving a loss or navigating the challenges of illness or disability. That's why we focus on finding reasons to pay all valid claims. Through life's most challenging moments, our goal is to ease financial burdens – no matter what challenges they may face. In 2023, we paid R5,6 billion in claims with no Ombud rulings against our claim decisions.