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Life Plans

Life Cover FAQ's

Q Who can I cover on my life policy?
You can cover yourself and your spouse* on one life policy if you are between the ages of 18 and 75. You can also include your children on the policy if they are between the ages of 2 and 18 (or up to the age of 21 if they are full time students).

*Means the person married to the Main Insured Life and named in your Personal Policy Schedule. Cover is limited to one nominated spouse. Proof of such union will be requested at claims stage.
Q If I have a pre-existing health condition will this life policy cover me?
All pre-existing conditions are excluded on the Standard Life Policy so you will not be covered. Another life policy may be offered that will cover you for existing health conditions.
Q How long will it take for the cover to be paid to my beneficiary/ies in the event of my death?
The Funeral Comforter Benefit on your life policy will be finalised and paid within 24 hours after the receipt of the minimal required documentation. 

Should your Policy not contain the Funeral Comforter Benefit then a full assessment of the claim will be made once all the additional required documentation is received. We endeavour to finalise all claims as soon as reasonably possible. Additional documents include:

  • Post Mortem results for Unnatural death
  • Medical information for Natural death
  • Police documentation when required
  • Accident report (in the event of accidental death)
Q How are the premiums determined on my life policy?
Premiums are determined by the following factors: 

  • The age (next birthday) of the eldest family member applying for cover
  • If the policy is for you alone or if you are covering your family members
  • If you have any pre-existing health conditions
Q Does my life policy have any encashment or surrender values?
Our life products do not have any surrender or loan values. However if you are covered on the Lasting Dignity Cash Back Plan we will pay back 6 months’ premiums for every 60 premiums received.
Q Does this Policy have a Cash Back Benefit?
Yes, we will pay back 6 months' premiums for every 60 premiums received. Not all Premiums Life policies have a cash back benefit.
Q Who is eligible for Cover on the Premium Life Plan?
This policy covers one Insured Life only. Anyone between the ages of 18 and 65, who is a permanent resident of South Africa and in possession of a South African ID Document can apply. Qualification for benefits is determined by medical and financial tele-underwriting.
Q How are the premiums calculated?
Premiums are determined according to the specific risk profile of the Insured Life, and takes into account the following factors: 

  • Age
  • Smoker status
  • Gender Socio-economic class
  • Occupation
  • Health status
  • Travel
  • Hazardous pursuits
Q Does this Policy have a Cash Back Benefit?
Yes, we will pay back 6 months' premiums for every 60 premiums received.
Q Is an HIV blood test required?
Yes. After you have paid your first premium, Clientèle Life will arrange for a nurse to see you at your convenience. This is done at our expense.
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