Our products revolve around you.

slide-icon

Life Protection.

We are here to help honour your time on earth. Our unique Needs Assessment, together with the personal data you consent to share, helps tailor your cover to best suit your family’s needs when you pass on. Leaving your family debt-free and able to fund life’s expenses. So that when the time comes, you can rest in peace knowing you have done all the right things.

PRINCIPAL LIFE PROTECTION

Life insurance cover that is as configurable as you need it to be.

We can help ensure your family’s needs are covered and that the void left by your passing is not bigger than it needs to be.

SEE BENEFITS

CREDIT LIFE PROTECTION

Dynamic life cover that evolves with your credit outstanding.

With your consent, we utilise your credit data to match your cover to your outstanding balance on your chosen accounts – each month for the life of your policy.

COMING SOON

FAMILY-HEALTH LIFE PROTECTION

The health of your family should never be put at risk.

Let us help you ensure that the ongoing medical scheme contributions of your family can be paid when you pass away – money earmarked for this important need.

COMING SOON

ESTATE LIFE PROTECTION

Your loved ones should receive their full inheritance, without the tax (wo)man taking a big chunk.

We ensure that your cover takes into consideration the full dutiable value of your
assets and adjusts to match this amount on an ongoing basis.

COMING SOON

TERM LIFE PROTECTION

Affordable cover that provides rich protection for a set period of time.

As our entry-level life protection offering, this offers lump sum protection over a term set by you, at a very affordable premium.

COMING SOON

life-protection-page-worry-less-img-2
Worry Less.

Live More.

GET A QUOTE

Principal Life Protection Benefits.

  • Lump sum cover.
  • Cover is fully flexible, with the level of cover adjustable at any point.
  • You have the choice of a wide range of premium and cover escalation patterns to match your needs and affordability constraints.
  • Use the Elevate needs calculator at any time to make sure your dependents are fully covered.

Credit Life Protection Benefits.

  • Lump sum cover equal to your debt outstanding.
  • Cover is set to exactly match 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 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 these accounts.

Family-Health Life Protection Benefits.

  • Cover levels in the form of monthly payments designed to match your medical scheme contributions.
  • Cover for your spouse/partner and up to 3 children for 10 years after your passing.
  • 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 that your cover closely matches contribution increases over time.

Estate Life Protection Benefits.

  • Cover in the form of a lump sum equal to your calculated dutiable amount.
  • We automatically match your cover to your calculated dutiable amount at each policy anniversary.
  • *You must consent for Elevate to access your financial data on an ongoing basis in order to purchase Estate Life Protection.

Term Life Protection Benefits.

  • Lump-sum cover for your chosen set term between 1 and 30 years.
  • You have the choice of a wide range of premium and cover escalation patterns to match your needs and affordability constraints.
  • Cover is fully flexible, with the level and form of cover adjustable at any point.
  • Use the Elevate needs calculator at any time to make sure your dependents are fully covered.

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 Protection 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

Honouring a life well lived.

  • We believe that life insurance cover can benefit a wider community than just your immediate family.
  • This is a benefit for a life well lived.
  • You can enable this through increasing your cover by up to 20% for a beneficiary outside of your family.
  • The additional allocation, and to whom it is allocated, can be adjusted at any point.
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

Urgent relief. When you urgently need it.

  • When your family is in mourning, they shouldn't have to worry about not having the money that is so necessary for their immediate expenses during this time.
  • In the event that claims processing takes longer than 48 hours, we will make sure that the smaller of R50 000 or the full cover amount is paid within this time.
Get a Quote

For when the unimaginable happens.

  • When the absolutely unthinkable happens, all Life Protection policies will pay out 2.5% of the cover level (up to a maximum of R20 000) upon the death of any of your nominated spouse/partner or child beneficiaries.
Get a Quote

Got your attention? Download the full suite here.

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

Got your attention? Download the full suite here.

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

Got your attention? Download the full suite here.

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

Got your attention? Download the full suite here.

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

Got your attention? Download the full suite here.

Click here to download the comprehensive Term Life 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).