Over 60s Life Insurance

Life cover that's
never too late to start

Straightforward, guaranteed-acceptance cover designed for South Africans in their 60s, 70s and beyond.

FSCA-Authorised Advisers | Whole-of-Market Access

Explore Your Options

Whatever you need to protect, we'll help you compare the right cover.

A one-off tax-free lump-sum payment for your loved ones in the event of your death.

A tax-free lump sum if you are diagnosed with a serious illness like cancer, heart attack or stroke.

Monthly tax-free payments if you are unable to work due to long-term sickness or injury.

Step 1

Pick a monthly cover amount that fits your budget.

Step 2

No medical exam, just a few basic questions about your age and residency.

Step 3

You can't be turned down for cover if you're within the eligible age range.

Step 4

Your policy usually starts with a waiting period before full cover applies.

Apply without any health checks or medical questionnaires.

Your monthly payment is locked in and will never increase.

It's never too late to take out a policy, right up to 85.

Provides a tax-free lump sum to ease the financial burden on your family.

Am I too old for life insurance?

No — guaranteed acceptance policies are specifically designed to accept applicants well into their 60s, 70s and 80s.

How is this different from Over 50s cover?

The products work the same way, but Over 60s cover is priced and positioned for slightly older applicants, often with a higher starting premium.

Is there a maximum cover amount?

Yes, guaranteed acceptance policies typically cap cover at a lower amount than fully underwritten policies, since no medical is required.

Can I cancel anytime?

Yes, you can cancel your policy at any time, though premiums already paid are not usually refunded outside of the waiting period rules.