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Disability Protection.

We are here to help look after your income when you can’t. We replace the lost income you and your family rely on in the unfortunate event that you become disabled.

PRINCIPAL
DISABILITY PROTECTION

Temporary disability protection that is as configurable as you need it to be.

Your income will not take leave when you get disabled.

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PRINCIPAL DISABILITY PROTECTION EXTENDER

We plan for worst case scenarios so you don’t have to.

This extends your ongoing Principal Disability Protection monthly payments past the maximum 2-year period in the event that you are still not able to return to work.

This product cannot be bought on its own.
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CREDIT
DISABILITY PROTECTION

Dynamic disability cover that evolves with your credit outstanding.

Never fall behind on essential payments on your home, car, or credit obligations in the event you become temporarily disabled.

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EXTENDER PRODUCT:

CREDIT DISABILITY PROTECTION EXTENDER

We plan for worst case scenarios so that you don’t have to.

This extends your ongoing Credit Disability Protection monthly payments past the maximum 2-year period in the event that you are still not able to return to work.

This product cannot be bought on its own.
COMING SOON

FAMILY-HEALTH
DISABILITY PROTECTION

Your health, or the health of your family, should never be put at risk.

Let us ensure that your and your family’s ongoing medical aid contributions can be paid if you were to become temporarily disabled.

COMING SOON
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EXTENDER PRODUCT:

: FAMILY-HEALTH DISABILITY PROTECTION EXTENDER

We plan for worst case scenarios so that you don’t have to.

This extends your ongoing Family-Health Disability Protection monthly payments past the maximum 2-year period in the event that you are still not able to return to work.

This product cannot be bought on its own.
COMING SOON
EXTENDER PRODUCT:

IMPAIRMENT DISABILITY PROTECTION

Sometimes covering lost income is just not enough.

Top up your temporary Disability Protection with lump sum cover in the event that you get a disability that will have a permanent impact on your body’s core abilities. This product cannot be bought on its own.

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Principal Disability Protection Benefits.

  • Cover can be set to replace anywhere between 30% to 100% of your pre-disability income.
  • Payments recur monthly from the time of becoming disabled and end at the shorter of 2 years or the return to your own occupation.
  • You have the choice of a wide range of premium and cover escalation patterns to match your needs and affordability constraints.
  • You Choose your waiting time of 30, 60 or 90 days.
  • Product features are fully flexible during the life of the policy allowing you to evolve your cover as do your circumstances.
  • Use the Elevate needs calculator at any time to make sure you and your dependents are fully covered.

Credit Disability Protection Benefits.

  • Cover can be set to cover your minimum payments due on your credit accounts for up to 2 years.
  • Payments recur monthly from the time of you becoming disabled and end at the shorter of 2 years, your debts being fully paid, or the return to your own occupation.
  • Cover is set to exactly match the minimum payments of your debt outstanding each month using your credit report.
  • As your credit is paid off the cover will decrease – together with your premium.
  • *You must consent for Elevate to be able to access your credit data on an ongoing basis in order to purchase Credit Life Protection.
  • You select which accounts you want to cover and what percentage of the minimum payments on these accounts.
  • You have the choice of waiting periods: 30, 60 or 90 days.

Family-Health Disability Protection Benefits.

  • Cover can be set to meet your and your family’s medical scheme contributions for up to 2 years.
  • Payments recur monthly from the time of you becoming disabled and end at the shorter of 2 years or the return to your own occupation.
  • Cover for yourself, your spouse/partner and up to 3 children.
  • Tell us your current medical scheme option and we will set cover to this level.
  • We will escalate your cover by the health component of CPI + 3% per annum to make sure your cover matches contribution increases over time.
  • You have the choice of waiting times: 30, 60 or 90 days.

Flexibility when you need it most.

  • Important life changes often mean that your cover needs to be increased to adequately match and keep in step with your current needs.
  • On all Elevate Life policies, you are able to (upon certain life events) increase your cover by up to 20% of your initial cover amount with no additional underwriting.
Get a Quote

We make your disability cover even more comprehensive as standard.

  • Elevate provides you with permanent disability payments that are based on your current Own Occupation, as opposed to a similar one.
Get a Quote

Premiums waived when times get tough.

  • For all Elevate risk products, no premiums are payable while you are partially or totally disabled.
  • You need all your strength and headspace to focus on adapting, not worrying about finances.
  • Premiums are waived from the onset of your disability event for up to 2 years.
Get a Quote

Sometimes you just need your bills to go on a holiday.

  • Some months can just be more expensive than others.
  • To help with this, all Elevate policies come with a 3-month premium holiday where your premiums are on us.
  • So, upon certain life events that may make life temporarily a bit more expensive, you do not have to worry about paying your Elevate premiums on top of everything else.
Get a Quote

Suffering from cancer requires tailored benefits.

  • This enhances all Disability Protection products in the unfortunate event that you are diagnosed with cancer.
  • All periods of unpaid leave while you are undergoing chemotherapy or radiation treatment for your cancer are paid at your full cover level.
  • Multiple rounds of treatment within a one-year period will be considered the same event regardless of the period in between rounds of treatment, and no new waiting periods will be applied.
  • This ensures that in the event you are being treated for your cancer, you can return to work without the anxiety of there being a delay in your cover reinstatement in the event your cancer persists and you need further treatment.
Get a Quote

Principal Disability Protection Extender Benefits.

  • This product can only be purchased as an enhancement to your Principal Disability Protection to cover you for permanent disabilities.
  • Cover can be set to replace anything between 30% to 100% of your pre-disability income.
  • Payments recur monthly if the disability event which you claimed under Principal Disability Protection is deemed permanent, after 2 years of payments.
  • Payments will continue until you reach your chosen retirement age or your return to your own occupation.

Credit Disability Protection Extender Benefits.

  • This product can only be purchased as an enhancement to your Credit Disability Protection to cover you for permanent disabilities.
  • Payments recur monthly if the disability event that you claimed for under Credit Disability Protection is deemed permanent after 2 years of payments.
  • Cover is set to exactly match the minimum payments of your debt outstanding each month using your credit report.
  • As your credit is paid off the cover will decrease – together with your premium.
  • Payments will continue until you have no debts outstanding in your selected accounts or you reaching 65 years of age or your return to your own or similar occupation.

Family-Health Disability Protection Extender Benefits.

  • This product can only be purchased as an enhancement to your Family-Health Disability Protection to cover permanent disabilities.
  • Payments recur monthly if the disability event for which you claimed under Family-Health Disability Protection is deemed permanent after 2 years of payments.
  • Cover for yourself, your spouse/partner and up to 3 children for up to an additional 10 years from the end of your Family-Health Disability Protection.
  • We will escalate your cover by the health component of CPI + 3% per annum to make sure your cover matches contribution increases over time.
  • Payments will continue until you or your spouse/partner reach 65 years of age or your children reach 18 years of age or your return to your own or similar occupation; for a maximum of 10 years.

Impairment Disability Protection Benefits.

  • This product can only be purchased as an enhancement to your temporary Disability Protection cover (whether Principal, Family-Health or Credit).
  • Cover in the form of a chosen lump sum.
  • Benefits are paid out immediately in the event you experience one of a set list of impairment conditions.

Flexibility when you need it most.

  • Important life changes often mean that your cover needs to be increased to adequately match and keep in step with your current needs.
  • On all Life Protection policies, you are able to (upon certain life events) increase your cover by up to 20% of your initial cover amount with no addition underwriting.
Get a Quote

We make your disability cover even more comprehensive as standard.

  • Elevate provides you with permanent disability payments that are based on your current Own Occupation, as opposed to a similar one.
Get a Quote

Premiums waived when times get tough.

  • For all Elevate risk products, no premiums are payable while you are partially or totally disabled.
  • You need all your strength and headspace to focus on adapting, not worrying about finances.
  • Premiums are also automatically waived from the onset of disability/severe illness for up to 2 years.
Get a Quote

Sometimes you just need your bills to go on a holiday.

  • Some months can just be more expensive than others.
  • To help with this, all Elevate policies come with a 3-month premium holiday where your premiums are on us.
  • So, upon certain life events that may make life temporarily a bit more expensive, you do not have to worry about paying your Elevate premiums on top of everything else.
Get a Quote

Suffering from cancer requires tailored benefits.

  • This enhances all Disability Protection products in the unfortunate event that you are diagnosed with cancer.
  • All periods of unpaid leave while you are undergoing chemotherapy or radiation treatment for your cancer are paid at your full cover level.
  • Multiple rounds of treatment within a one-year period will be considered the same event regardless of the period in between rounds of treatment, and no new waiting periods will be applied.
  • This ensures that in the event you are being treated for your cancer, you can return to work without the anxiety of there being a delay in your cover reinstatement in the event your cancer persists and you need further treatment.
Get a Quote

MUST BE BOUGHT IN CONJUNCTION WITH:

Principal Disability Protection

Principal Protection Product Brochure

Click here to download the Principal Protection Product Brochure for additional product information.

Credit Disability Protection Product Brochure

Click here to download the comprehensive Credit Disability Protection Product Brochure for additional product information, as well as our terms and conditions.

Family-Health Disability Protection Product Brochure

Click here to download the comprehensive Family-Health Disability Protection Product Brochure for additional product information, as well as our terms and conditions.

Extended Principal Disability Protection Product Brochure

Click here to download the comprehensive Extended Principal Disability Protection Product Brochure for additional product information, as well as our terms and conditions.

Extended Impairment Disability Protection Product Brochure

Click here to download the comprehensive Extended Impairment Disability Protection Product Brochure for additional product information, as well as our terms and conditions.

Extended Credit Disability Protection Product Brochure

Click here to download the comprehensive Extended Credit Disability Protection Product Brochure for additional product information, as well as our terms and conditions.

Extended Family-Health Disability Protection Product Brochure

Click here to download the comprehensive Extended Family-Health Disability Protection Product Brochure for additional product information, as well as our terms and conditions.

All Elevate Life policies are underwritten by Centriq Life Insurance Company Ltd. (“Centriq”), a licensed life insurer and authorised financial services provider (FSP 7370).