Protect your family’s future, not just today.
Life, last expense, personal accident and hospital cash cover for families and professionals. We help you choose what fits your family and your budget.
Four ways to protect your family
Each one does a different job. Many families combine two or more. Benefits and terms depend on the insurer’s policy wording.
Life cover
Pays a lump sum to your family if you die during the policy term, to help with school fees, loans and daily costs.
Last expense
Pays out quickly to help with funeral costs, so your family isn’t left to raise money at a hard time.
Personal accident
Pays benefits if an accident causes death, disability or time off work, and can include medical expenses.
Hospital cash
Pays a fixed amount for each day you’re admitted to hospital, to cover costs your medical plan doesn’t.
Spread your premium instead of paying it all at once.
Pay in full, in two payments (50:50) or three (40:30:30), or spread it over 10 months with premium financing powered by Invictus.
Family protection questions
How much life cover do I need?
It depends on your debts, your family’s living costs and how long they would need support. We work through it with you before recommending anything.
Can I cover my parents under last expense?
Some last expense plans let you add parents and extended family, subject to the insurer’s age limits and terms. We show you which options are available.
Is personal accident the same as health insurance?
No. Health insurance pays for medical treatment. Personal accident pays set benefits if an accident causes death, disability or time off work, and may include some medical costs.
How does my family make a claim?
They contact us first. We guide them through the documents the insurer needs and follow up until the claim is decided.