Make sure your family’s livelihood is protected.

Our Life Protector product is picture perfect to make sure your family’s livelihood is protected in case of death, critical illness, permanent disability, temporary disability or retrenchment. This product also includes a premium waiver benefit where we’ll cover one month's worth of your current facility premium for every month where we make a payment for a retrenchment or a temporary disability claim. If we make a payment for a death, critical illness or permanent disability claim, we will cover 12 months’ worth of your current facility's premium!

Want to know the best part?

Your spouse and children will also be covered under our family funeral benefit, which pays out within 48 hours of receiving all requested documentation!

Different to typical life insurance, you won’t need to undergo any medical tests (however, any conditions that you were aware of before cover started, will be excluded from your cover).

Your cover can be specifically linked to any outstanding debt that you may have.

Product features.

Our Life Protector Plan is structured around the specific cover that you selected.

Comprehensive cover.
We’ll pay out the Sum OUTsured on the first occurrence of:

  • Death
  • Critical illness: The critical illness section of our product will pay the Sum OUTsured, in the event that you’re diagnosed with one of 17 major critical illnesses (i.e. cancer, major organ transplants, kidney failure).
  • Permanent disability: We’ll also pay you the Sum OUTsured if you should become permanently disabled and you’re no longer able to perform your own or any other suitable occupation.


If you’re temporarily disabled and unable to perform your own occupation, we’ll pay you 3% of the Sum OUTsured on a monthly basis.

Also, if you’re retrenched or made redundant, we’ll make monthly payments of 3% of the Sum OUTsured during this time period.

Death-only cover

We’ll pay out the Sum OUTsured if you pass away.

For more information, please download the LifeProtector@OUT facility document.