Deferred Life benefit

Our Deferred Life benefit is an underwriting tool used to assess cases that traditionally would be declined for cover. A 3-year waiting period plus extra mortality applies, with only accidental death being covered during the waiting period.

After the waiting period has expired, all causes of death are covered. Should a claim occur from natural causes during the waiting period, no benefit is payable, but all premiums will be refunded.

This benefit:

• Is a standalone benefit
• Is available for life
• Has a minimum entry age of 18
• Has a maximum entry age of 70
• Has 2 guarantee periods: fixed (5 years) and experience rated (annually reviewable)
• Offers maximum cover of R4 million