Guaranteed acceptance
life cover, over 50
No medical exam and guaranteed acceptance for South Africans aged 50-85, giving peace of mind for funeral and end-of-life costs.
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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 Over 50s Cover Works
Choose your monthly cover amount
Pick a level of cover that suits your budget and needs.
Answer a few simple questions
No medical exam or health questionnaire required.
Guaranteed acceptance
You can't be turned down for cover as long as you're aged 50-85.
Cover starts
Your policy usually begins with a waiting period before full cover applies.
Key features at a glance
No medical exam required
Get covered without any medical tests or health questions.
Guaranteed acceptance 50-85
You're guaranteed cover within this age range, regardless of health.
Fixed premiums for life
Your monthly premium never increases once your policy starts.
Cash lump sum for funeral costs
Provides a tax-free lump sum to help cover funeral and end-of-life expenses.
Frequently Asked Questions
Is there really no medical?
Yes, guaranteed acceptance over 50s policies do not require a medical exam or health questionnaire.
What's the waiting period?
Most policies have a waiting period of around 12-24 months. If you die of natural causes during this period, your premiums are usually refunded rather than the full sum assured being paid.
What if I die within the waiting period?
Cover for accidental death typically applies from day one. For death by natural causes within the waiting period, insurers commonly return the premiums paid rather than pay the full benefit.
Can my premium increase later?
No, once you take out a guaranteed acceptance policy, your premium is fixed and will not increase for the life of the policy.