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Life Insurance South Africa

Having dependents can be stressful at times, especially when planning for unfortunate yet inevitable events. When you are no longer around, will someone be around to take care of your family financially? Probably not.
You can, however, ensure that they are looked after, even when you’re not around. By taking out life insurance, you’ll be able to live knowing that even after you are gone, your loved ones will be financially taken care of.

Who Should Get Life Cover

Anyone who is planning or has already started a family should get life cover. If you are financially responsible for anyone, or anything – such as house or car payments – you should have some form of life cover.
If you have any debts, which would then fall to your family to pay after your death, you should have life cover that will pay off the debt once you are gone. If you have your own business, life insurance is also important, since your employees become your dependents.

Types of Life Cover

There are many types of life insurance available. When speaking to an insurance broker, make sure they give you all of your 
options, and explain which of these would best benefit you.

Whole Life

Whole Life Insurance is the most common. It will keep you insured for the duration of your life – or until you reach the age of 95.


This is life insurance for a specific term – namely, 5, 10, 15 or 20 years. Your cover will expire once this period of time has elapsed.

Dreaded Disease

This insurance will pay out a tax-free lump sum in the event that you are diagnosed with a dreaded disease.

Senior Parents

You can take out life cover for your elderly parents, provided they consent and are able to undergo a medical exam.

Minor Children

Not an often necessary cover, life insurance can be taken out for minor children in certain circumstances.


Couples can be insured under the same policy. The policy will pay out to one of you when the other passes away.


This specifically covers repayments to your mortgage. In the event of your death, the policy will pay out to your house mortgage.


For those who have high-risk habits, hobbies or jobs. High-risk insurance is usually more expensive than other insurance.

Pre-existing Condition

If you have any pre-existing conditions or illnesses, life insurance will be harder to get and have more expensive premiums.

Life Insurance FAQs

You can get life insurance on anyone you have insurable insurance on. This includes elderly parents whose death would financially impact you.

There is no age limit, although to get your own life insurance you must be 18 – your parents can start a policy before you turn 18. The younger and healthier you are, the lower your premiums will be.

Most life insurance policies will not refund you if you cancel them. So you can cancel, but you will lose all the premiums that you have paid.

Funeral cover usually covers the cost of your funeral. Either by paying the funeral vendors or paying out to your beneficiary. Life cover pays out a lump sum or monthly payments to keep your dependents financially stable after your death.

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