Life is full of surprises and not all of them are good. If you are the breadwinner in your family, your death could leave your partner and children financially vulnerable.

Leaving a legacy for your loved ones and family is all about planning. Life Cover will take care of your family and financial commitments when you no longer can.

Life Cover ensures that your financial responsibilities are taken care of in the event of your death. It replaces the income you would have earned during your working life, ensuring that your family is financially secure.

It can provide your family with money to pay for living expenses.

It can settle debt, like car repayments or a bond.

It can pay for your children’s education.


Critical illness, dreaded disease or disability can strike even the healthiest people. Capital Disability Benefit provides a lump sum to ensure you remain financially secure if you become disabled. This lump sum can also be used to pay debt like a bond on your property.


Severe Illness cover protects you from the financial impact of a critical illness by paying you a lump sum when you are diagnosed with a Severe Illness. This money can be used to provide for needs such as modifying your lifestyle and your home, it can cover the cost of a caregiver or it can pay medical aid shortfalls.


One of our client’s biggest concerns is that being unable to work could mean they do not have any income, and how can they protect themselves financially. Income Protection Cover protects your financial security by providing you a monthly income when you are unable to work due to accident, injury or illness. This pays you a monthly income while you are temporarily or permanently unable to work in your current occupation.


A parent’s biggest concern is how will they pay the cost of their children’s education if they die, get a severe illness, or are disabled. The Education Protector covers the actual costs of your children’s education, from crèche to tertiary education, if you or your spouse pass away or suffer a severe illness or disability. This cover pays your child’s education costs from creche to university.


By taking out an offshore life insurance policy denominated in the most widely used global currency, the US Dollar, you are protected against the financial impact of a life-changing event – no matter where you and your family may find yourselves in the future.

US Dollar Life Insurance pays a benefit in US Dollars Internationally and allows you to pay a premium off a South African Bank Account in Rands

Capital Disability and Severe Illness can also be added to your US Dollar Life Insurance Policy which will pay a lump sum in US Dollars in the event you become disabled or get a severe illness.