• You must have a valid South African Identity Document.
  • You must be over 18 years and not older than 59 years of age on your next birthday to be eligible for cover.
  • We will not pay out if your death or disability is as result of deliberate involvement in an illegal act, riot, civil commotion, terrorist attack, or war.
  • Your premiums will be monthly renewable and reviewable.
  • If death occurs by accident or any non-natural cause, the full Sum Assured will be paid. If death occurs as a result of natural causes:

    • Within the first 6 months, premiums paid will be returned.
    • After 6 month and before 18 months, 50% of the Sum Assured will be paid.
    • After 18 months, and if 18 premiums were received, the full Sum Assured will be payable.