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Life insurance

Life insurance

Risk cover protects you, your family and your dependents' financial security in the event of your death, disability or critical illness.

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We can also put you in touch with a financial adviser or you can find an adviser here.

What are the options?

  • Life cover: Life cover provides your family or nominated beneficiaries with a lump sum of money in the event of your death. They can use this lump sum in whatever way they choose. If the policy is ceded as security to your mortgage provider, it is used to pay off some or all of your outstanding mortgage amount . You decide how long you want this cover for (a set period, or until your death) and how much you would like the lump sum payment to be .
  • Disability cover: Disability cover pays you a lump sum amount if you become permanently disabled and are unable to work. You can use the lump sum payment to help you cover your living expenses and to pay off outstanding debts. You decide how much you would like the lump sum to be and how long you want to be covered. However, cover ceases at retirement (in most cases at age 65).
  • Income disability cover: Income disability cover pays you a monthly income when you are unable to work as a result of illness or injury. Your injury or illness need not be permanent. Various waiting periods are available. You start receiving income after the waiting period and will continue to receive payments for as long as you are unable to work. However, cover ceases at retirement (in most cases at age 65).
  • Critical illness cover: Critical illness cover pays you a lump sum amount if you are diagnosed with any of the specified severe illnesses (such as cancer, a stroke, a heart attack, etc.). The specified illnesses vary between insurers . The lump sum amount can be used to settle outstanding debts or to pay for the cost of medical treatment and procedures not covered by your medical aid .

Ready to insure?

We have close to 200 offices throughout South Africa and two offices in Windhoek. Find an adviser or let us get in touch to quote you on your insurance needs.
Copyright © PSG Konsult Ltd (1998-2017), All Rights Reserved. FAIS affiliates of the PSG Konsult Group are authorised financial services providers.