InstantLife.co.za logo for social media sites

Life Cover

  • What is Life Cover

    Life Cover pays cash in the event of death from both natural and accidental causes.

    Life Cover is the same as Life Insurance. These terms are interchangeable and each insurer will adopt the term they like best.

  • Who should buy Life Cover

    If you have debt or dependants you should have Life Cover.

    Please note: If you have Life Cover you may not necessarily need additional Accidental Death Cover as our Life Cover product covers natural and accidental death.

  • What is the benefit of having Life Cover

    You can't predict death but you can determine what you leave behind for your family. It will help your family continue living when you can no longer provide for them.

  • How much Life Cover should you have

    The amount of cover required varies by age and individual circumstances. The average person needs R 1,000,000 (one million rand) of cover to replace R 4,000 (four thousand rand) in monthly income to provide for their dependants.

Product Details Product Highlights

Our insurance products have the following unique features:

  • Online, convenient, moneysaving insurance with complete peace of mind
  • Up to R6 million cover with no medical exams required
  • 20% Cash Back every 10 years
  • Optional annual benefit increase of 5% to help keep pace with inflation
  • Pays you cash up to 12 months before death in the event of terminal illness
  • Cover is for your whole life
  • Covers natural and accidental death
  • Entry age of 20 to 65
  • Increase, decrease or cancel your cover any time without penalties
  • You, the life insured, or your spouse may make the monthly payments

Client Benefits Our Client Benefits

Our clients have 24-7 access to the following benefits:

  • Quote in under 1 minute, buy in less than 20 minutes – online!
  • Access to myinstantlife.co.za , a secure and convenient online policy management service

    • Change your banking and contact details easily - saving you time
    • View your policy communications and policy documents
    • Make changes to your levels of cover
    • Update your beneficiaries
  • Make further savings on your policy with our Member Referral Programme.

Product Details Tips

  • Always have a beneficiary nominated. Without a beneficiary nomination the cash will fall within your estate and that means a delay in getting it to the people who need it most, your loved ones.
  • If you are married it is always good to nominate your spouse as a beneficiary. By doing this you will save on estate duty.
  • Have your will regularly updated. It is the only way to ensure that your assets go to the right people after your death.