011 745 7800
GET AN ONLINE QUOTE
>
CALL ME BACK
>
Name is missing
Cell is missing
Please call me back for:
Car Insurance
Life Cover
011 745 7800
GET AN ONLINE QUOTE
>
CALL ME BACK
>
Name is missing
Cell is missing
Please call me back for:
Car Insurance
Life Cover

NO
MEDICAL
EXAMINTIONS

ALL YOU NEED TO KNOW ABOUT THE AFFORDABLE PRIME LIVING COVERGROW LIFE COVER

WHAT AM I COVERED FOR?
HOW IS MY PREMIUM CALCULATED?
WHAT DO I NEED TO APPLY?
GROWING COVER IN THE EVENT OF DEATH
GROWING COVER IN THE EVENT OF PERMANENT DISABILITY
GROWING COVER UPON DIAGNOSIS OF A TERMINAL ILLNESS
NO INTRUSIVE MEDICAL EXAMINATIONS
PRE-EXISTING ILLNESSES* COVERED AFTER 36 MONTH WAITING PERIOD
AUTOMATIC TERMINAL ILLNESS BENEFIT PAYS 75% UPON DIAGNOSIS
MONETARY BENEFITS CAN BE USED FOR ANY PURPOSE
IMMEDIATE EXPENSE BENEFIT = 5% OF ACCUMULATED COVER TO A MAXIMUM OF R20,000
OPTIONAL FAMILY BENEFITS AVAILABLE

With the PRIME LIVING COVERGROW Plan you receive an increasing amount of insurance protection in the event of an unexpected death, permanent disability or upon diagnosis of a terminal illness. The Family Plan allows you to include a spouse and up to two dependent children at just under double the premium.

MAX COVER AFTER 60 MONTHS
INDIVIDUAL PLAN
FAMILY PLAN
PLAN 1
R150 000
R99
R199
PLAN 2
R300 000
R149
R299
PLAN 3
R500 000
R249
R499
PLAN 4
R1 MILLION
R449
R899
PLAN 5
R2 MILLION
R749
R1 499
PLAN 6
R3 MILLION
R999
R1 999
PLAN 7
R5 MILLION
R1 499
R2 999

BENEFITS INCLUDE:

  • Growing cover in the event of an unexpected death due to accident, illness or through natural causes.
  • Growing cover in the event of total and permanent disability due to accident or illness.
  • Growing cover upon diagnosis of a terminal illness.
  • There are NO intrusive medical examinations.
  • Pre-existing illnesses* are covered after a 36 month waiting period.

GUARANTEES:

  • Your premium will NEVER increase!

ADDITIONAL BENEFITS:

  • Includes an automatic terminal illness benefit that pays 75% of the accumulated Growing Benefit Amount (GBA) upon diagnosis and the balance upon death.
  • Monetary benefits can be used for any purpose including settlement of debts or for leaving a financial legacy!
  • Immediate expense benefit is equal to 5% of the amount of cover accumulated limited to a maximum of R20,000 (provided that there has been 12 consecutive premium payments).
  • Optional Family benefits – where selected the policy also covers your spouse and up to two dependant children under the age of 18.
Terms & Conditions apply. A full explanation of each optional benefit can be found in our downloadable product pack.
*Full disclosed pre-existing conditions are covered after 36 months. Non-disclosed pre-existing conditions are excluded
DOWNLOAD THE POLICY PACK

WHY ARE FIXED LIFE INSURANCE PREMIUMS SO BENEFICIAL?

It is so important for the public to know the difference between fixed and escalating life insurance premiums. Knowing this distinction enables you to select the correct cover for you that best suits your needs.Consumers wanting to take out life insurance should do some thorough homework first. After all, an informed decision is the best one. This involves evaluating their own circumstances in the light of short-term and long-term objectives.

ADVANTAGES OF PAYING FIXED PREMIUMS FOR A LIFE INSURANCE POLICY

Like anything in life, there are advantages and disadvantages to paying fixed premiums. Let’s find out what the advantages are.

IT’S EASIER TO KEEP TO A BUDGET

When life cover premiums are fixed, a consumer can manage their budgets well, knowing that there should not be any nasty surprises. This allows them to plan their future budgets and include this known cost.

COST SAVINGS IN THE LONG TERM

Even though the insured is becoming older, the premiums remain unchanged, thereby providing a cost saving over the long term.

PROTECTION AGAINST INFLATION

Paying fixed premiums affords protection from increasing inflation.Let’s look at some disadvantages of paying fixed premiums.

INCREASING LIFE COVER PREMIUMS

Life insurance with increasing premiums may initially have the advantage of initial premiums being affordable. However, the insured will have to determine how much premiums will increase over a period of 10 to 20 years.