Lifelong life cover that pays out whenever you pass away, with a cash value that grows over time and can be borrowed against.
Cover never expires as long as premiums are paid, unlike Term Life.
A portion of every premium builds a cash value you can access via a policy loan.
Often used to cover estate duty and ensure a smooth, liquid inheritance for your family.
| Cover feature | Detail |
|---|---|
| Minimum cover amount | R100,000 |
| Maximum cover amount | R10,000,000 |
| Premium structure | Level premiums for life |
| Cash value access | Available from year 3, via policy loan |
| Waiting period | 2 years for suicide |
Whole Life never expires and builds cash value; Term Life is cheaper but only covers you for a fixed period with no cash value.
Yes, via a policy loan against the accumulated cash value, though this reduces the payout if not repaid.
No — premiums are set at the start and remain level for the life of the policy.
An adviser at Mzansi Advisors can show you how Whole Life cover fits into a broader estate plan — at no extra cost.
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