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Daberistic
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    • Education plan
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    • Participation Bond
    • Deposits
    • Business investment accounts
    • Private investment accounts
    • Exchange Traded Funds
    • Share investing
    • Personalised share portfolio
    • Retirement income
  • Retirement Funds
    • Starting a Fund - What to Consider
    • Retirement Funds - Your Rights
    • What is Regulation 28?
  • Health
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      • How to Select a Discovery Medical Plan
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    • About Short Term
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      • Pocket Guide To Money
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      • Budgeting and cashflow management
      • Consumer Protection Act
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      • Retirement funds
    • Tax planning
    • Investment planning >
      • What are unit trusts?
      • Active and passive investing
      • Chasing fund performance may be hazardous to your wealth
      • Understanding risk on and risk off
    • Family trusts
    • Wills and estate planning >
      • Make a will
      • Administering an estate / Duties of an Executor
      • What the executor must do once appointed
    • Business planning
    • Frequently asked questions
  • Accounting & Tax
    • About us >
      • DAA Proatia Manual
    • Accounting
    • Tax >
      • 2022 South Africa Budget and Tax Guide
      • 2020 South Africa Budget and Tax Guide
      • 2019 South Africa Budget and Tax Guide
      • 2017 South Africa Budget and Tax Guide
    • Business Plan
    • Company Registration & Secretarial Services
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    • Frequently asked questions >
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  • About us
    • Who we are
    • What sets Daberistic apart
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    • Our clients
    • Community involvement
    • Company Documents >
      • Privacy Policy
      • Complaints Resolution Policy
      • Conflict Of Interest Policy
      • PAIA Manual
    • Disclosures >
      • POPIA Consent
      • Email Confidentiality Notice And Disclosure
    • Company News >
      • Heritage Day 2015
      • Mandela Day 2016
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      • 半百万富翁投资计划
      • Fedgroup飞达参与分红债券
    • 申请新保险 >
      • 员工团体保险
      • 寿险/意外险报价资料表
      • 国际学生医疗保险2023
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          • 非洲排名前100高中
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        • 为年老时存钱.
        • 闲钱投资.
        • 月领退休金.
        • 免税投资账户.
        • 投资型保单.
        • 股票.
        • 基金
        • 海外基金
        • 房地产基金.
        • 投资
      • 汽车保险报价
      • 店面投保
    • 现有保单管理 >
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        • 新生儿加保申请表格
        • 家属退保申请表格
        • 国际旅游医疗福利
        • Discovery医保怀孕生产幼儿福利
        • 下载Discovery医疗保险证明
        • 下载Discovery医保税务证明
        • Sirago附加险索赔提交
      • 投资账户管理
      • 产物保险管理
      • 客服满意度问卷
    • 申请索赔 >
      • 申请车险索赔
    • 住院
    • 常用专科医生名称中英文对照
    • 出车祸处理
    • 设立遗嘱 >
      • 遗嘱的生效和不生效
      • 遗嘱的处分
      • 遺囑執行人被任命後
    • 聘德博为经纪人
    • 非居民在南非开银行账户
    • 投资移民
    • 唐人街商铺联系方式
  • 财富管理
    • 如何选择投资产品
    • 企业投资账户
    • 私人投资账户
    • 孩子教育基金
    • 为年老时存钱 >
      • 退休需要認真金錢
    • 闲钱投资
    • 海外投资 >
      • 如何投资海外资产
      • 南非外汇管制规定
      • Investors Trust外幣投資
    • 免税投资帐户 >
      • 免税投资账户问答集(Q&A)
    • 月领退休金
    • 投资型保单
    • 基金 >
      • 如何挑选基金
    • 稳赢固定利率保单
  • 员工福利
    • 公司团体医疗保险Q&A
    • 员工福利Q&A
    • 公积金Provident Fund说明
    • 中小企业员工福利完整套餐
  • ​人寿保险
    • 为什么要购买人寿保险
    • 人寿保险的妙用
    • 人寿保险常见问题回答
    • 购买人寿保险流程
    • 美元人寿保险
    • 意外险
    • 特殊寿险产品
    • 重大疾病险 >
      • 身体健康检查重要指标
      • 全球癌症病例激增
      • 细数癌症之最
    • Sanlam意外险
    • Old Mutual绿光关怀计划.
  • 医疗保险
    • 南非的医疗保险介紹
    • 医疗保险Q&A 常见问题回答 >
      • Discovery COVID 疫苗注册
      • Discovery 非洲医疗福利
    • 如何选择医疗保险
    • Discovery医疗保险 2022更新摘要 >
      • Discovery医疗保险 2022 - 如何选择医保选项
    • Discovery医疗保险 2023更新摘要 >
      • Discovery医疗保险 2023 - 如何选择医保选项
    • Discovery Vitality活力健康计划 2023 >
      • 激活你的健活奖励
    • Bonitas医疗保险2023介绍
    • Momentum 2023
    • 医疗附加险 >
      • Discovery 附加险
      • Sirago 医疗附加险 2023 >
        • 医疗附加险法规改变
    • 紧急意外险
  • 财产险
    • 雇主责任保险
    • 建筑工程一切险
    • 商业火险
    • 车险
    • 暴动险 Sasria
    • 常见问题
  • 会计师事务所
    • 南非2021财政预算及税法
    • 南非2020财政预算及税法
    • 南非2019财政预算及税法
    • 南非2018财政预算及税法
    • 南非2017财政预算及税法
    • 南非2016财政预算及税法
    • 南非2015财政预算及税法
    • 南非2008财政预算及税法
  • 关于我们
    • 我们如何与众不同
    • 我們如何帮助客户 - 保险篇
    • 我們如何帮助客户 - 投资理财篇
    • 德博理财学院 >
      • 标准销售话术

Looking for life insurance?

Picture
You have come to the right place for information and advice! A life insurance policy provides you and your family with comprehensive cover for a range of life-changing events. A good life insurance policy from a reputable life insurance company offers you flexible financial protection at a cost- effective premium
to suit your needs.

Below are the benefits you may choose to include in your life insurance policy:

Life cover

A lump-sum payout to protect your family’s financial security in the event of your death. You can also access your life cover for a number of  life-changing events.

More info on Life Cover

Capital disability Benefit

A lump-sum payout to aid you if you become disabled.

More on Lump Sum Disability benefit

Global Education Protector

Ensures your children's education costs will be covered, both locally and globally, if anything happens to you.

Payback benefit

Some life insurance companies will pay a percentage of your premiums back to you after a number of years. This may depend on the other products you have with that company, as well as how well you manage your health and wellness.

Fixed premium

Ensures your premium stays the same, rather than escalating every year. You pay a higher initial premium, typically 30% to 40% higher. You will reap the reward a number of years later when it becomes easier and easier to keep up with premium payment.

Severe Illness Benefit

A lump-sum payout to aid you if you suffer a severe illness, such as cancer.

More on Severe Illness benefit

Income Continuation Benefit

A monthly payout to protect you if you are unable to earn an income due to injury or illness.

More on Income Continuation Benefit

Upfront premium discounts

Some life insurance companies will give you a premium discount if:
- you have multiple products with it;
- you have done an assessment; or
- you pay the premium annually in advance.

Paid-up benefit

Some life insurance companies offer you the option to stop paying premiums after age 65, while you still enjoy cover after age 65. This is a great option for retirement planning, as most people have reduced income in the old age and needs to reduce their spending.

Accidental cover

A lump-sum payout to protect your family’s financial security in the event of your death or disability after an accident.

More info on Accidental cover

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Discovery explains how life insurance works in the video below.

Further information on life insurance policy

Tax consideration

Your life insurance premiums are not tax deductible. In the event of a claim, the money you receive is tax free.

Transfer of wealth

You may nominate one or more beneficiaries on your life insurance policy. In the event of your death, the sum assured is paid out to your beneficiaries. Your beneficiaries do not have to wait for the process of winding up your estate in order to get the money.

Funeral benefit

Life cover typically includes an upfront benefit, in an effort to support your nominated beneficiaries with funeral arrangements in the event of your death, With this benefit, R50,000 will be paid within 48 hours of submitting a valid death certificate.

Regulatory protection

Life insurance companies in South Africa are regulated by the Financial Services Board. South Africa enjoys excellent financial services regulations and supervision, giving you the confidence that a life insurance company will pay according to the insurance contract you have signed up.

Medical underwriting

Underwriting is the process used by a life insurance company to assess your risk factors. When you apply for a life insurance policy, the life insurance company will do medical tests on you. If you are not healthy, the life insurance company may increase the premium it will charge you, decline certain benefits, or decline your application. 

General exclusion

While all reputable life insurance companies in South Africa will honour life policies and pay death claims, life insurance companies will not pay death claims due to suicide within 24 months of inception of a life insurance policy. Some life insurance companies will recognise prior insurance in determining the 2 year period.

More info on general exclusions:
Exclusion grid summary 2014 (courtesy Wealth Associates)
Exclusion grid 2007 (courtesy National Financial Partners)

Who should consider investing in a life policy?

You should invest in a life policy if:

- You have financial dependants, people that are financially dependant on you. For example, you have your family to look after.
- You have financial obligations, such as a home loan, vehicle finance, personal loan.
- You want to insure your ability to earn an income. This is where a disability benefit will help you financially when you become disabled and unable to work.
- You want to have money to help you when you suffer a severe illness, such as cancer.
- you want to insure the breadwinner of a household, so that in the event of his untimely death, you will have money to help your family financially.
- You and your business partners are in business together, you want to insure each other's life to ensure the continuity of the business in the event of death or disability of one of you.
- You want to insure a key person in your business, a person that has a significant impact on your business. In the event of death of disability of this key person, your business will receive money to compensate for the loss of income and expenses for finding a replacement.

What is the minimum premium?

The minimum premium is R200 per month. So a life insurance policy is affordable.

What if I don't pay my premium?

If you miss a premium payment, the life insurance company will try to debit your account again later in the month, or debit this month and next month's premiums next month. If you miss the premium payment again next month, the life insurance company will debit 3 months' premiums the following month. If the debit order is again unsuccessful, the life insurance company will have no choice but to terminate your policy.

After your policy is terminated, for a limited period of time, the life insurance company will allow you to reinstate your policy if you manually pay all the outstanding premiums into the insurance company's bank account, provide the proof of payment and complete a satisfactory declaration of health form.

Our product providers

As an independent financial planning practice, we have contracts with the following product providers in order to offer you a product that suits your needs:

Discovery, Hollard, Liberty, Momentum, Old Mutual, Sanlam, Brightrock, PPS

Our preferred providers

We have done the necessary due diligence in selecting the following preferred providers:

Discovery

Picture
We select Discovery Life as our preferred provider for the following reasons:
1. Reputable financial services group
2. Financially sound
3. Innovative product features
4. AccessCover offers client the opportunity to convert part of life cover to cash in times of suffering a severe illness
5. Integration benefits lead to reduced premiums
6. Unique Health Plan Protector with health premium refund
7. Option to receive global treatment benefit on Severe Illness Benefit claim
8. Comprehensive disability benefits
9. Immediate upgrade to 100% of your pre-disability income if you become permanently disabled
10. Payback benefits giving up to 60% of life insurance premiums back to client annually for first
10 years;
11. Clever use of technology to provide excellent client service;
12. Clients able to make premiums paid up at age 65, as part of retirement planning;
13. Cash conversion provides a lump sum tax free at age 65 at low additional premiums;
14. Class leading travelling nurse service

More info: Discovery Life Overview Brochure

Old Mutual

Picture
We select Old Mutual as our preferred provider for the following reasons:
1. Reputable global financial services group
2. Financially sound
3. Easy to understand product design
4. 100% payout on core dread disease conditions
5. Easy to add a savings component with minimal amount (R100), giving client cash values
6. Easy electronic application process
More info: Old Mutual Greenlight Brochure
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