Affordable life cover for a fixed term — ideal for covering a home loan, dependants' living expenses, or a specific financial goal with a clear end date.
Apply in minutes online, with underwriting decisions for standard cases within 48 hours.
Convert to Whole Life cover later without a new medical assessment, if your needs change.
Name multiple beneficiaries and adjust cover as your family grows.
| Cover feature | Detail |
|---|---|
| Minimum cover amount | R100,000 |
| Maximum cover amount | R20,000,000 |
| Available terms | 5, 10, 15, 20, 25 or 30 years |
| Premium reviews | Every 5 years |
| Waiting period | None for accidental death; 2 years for suicide |
Cover lapses after a grace period, typically 30 days, though reinstatement may be possible within a certain period subject to underwriting.
Only for larger cover amounts or older applicants — many applications are approved from a health questionnaire alone.
Yes, subject to further underwriting, for example after a major life event like having a child or increasing your bond.
An adviser at Mzansi Advisors can calculate your ideal cover amount based on your debts and dependants — at no extra cost.
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