Life cover built
around just you
A single policy that pays a tax-free lump sum to your loved ones, sized to your own circumstances and budget.
Start Your QuoteFSCA-Authorised Advisers | Whole-of-Market Access
Explore Your Options
Whatever you need to protect, we'll help you compare the right cover.
Life Insurance
A one-off tax-free lump-sum payment for your loved ones in the event of your death.
Learn moreCritical Illness Cover
A tax-free lump sum if you are diagnosed with a serious illness like cancer, heart attack or stroke.
Learn moreIncome Protection
Monthly tax-free payments if you are unable to work due to long-term sickness or injury.
Learn moreHow Individual Life Cover Works
Choose your cover amount
Decide how much you want your loved ones to receive.
Choose your term
Pick how long you need cover for, such as until your mortgage is paid off.
Pass underwriting
Answer some health and lifestyle questions to confirm your premium.
Policy pays out tax-free
If you die during the term, your beneficiaries receive a tax-free lump sum.
Key features at a glance
Cover from R100,000+
Choose a sum assured that matches your mortgage, debts and family needs.
Level or decreasing cover
Keep your payout amount fixed, or reduce it in line with a repayment mortgage.
Optional critical illness add-on
Add a payout for serious illness diagnosis alongside your life cover.
Written in trust for fast payout
Ensures your payout reaches your loved ones quickly, outside of your estate.
Frequently Asked Questions
How much individual cover do I need?
A common approach is to cover outstanding debts (like your mortgage) plus enough to replace your income for your family. Your adviser can help you calculate this.
Can I add my partner later?
Individual policies cover one person. If you want to add your partner, you would typically take out a joint or second individual policy.
What happens if I stop paying premiums?
Your cover will usually lapse if premiums stop, meaning your policy will no longer pay out. Contact your adviser before cancelling if your circumstances change.
Is the payout really tax-free?
Yes, when a policy is correctly written in trust, the payout is generally free of income tax and does not form part of your estate.