PURE LIFE INSURANCE

• 1Life Basic which:
  
  
• will pay out, to a beneficiary of your choice, a cash amount of up to R200 000 in the event of your death;
  
  
• is a level sum assured product, so the amount you are covered for will not decrease while your policy is active;
  
  
• can be taken for a specific number of years or for your whole life;
  
  
• immediately covers accidental death;
  
  
• includes terminal illness cover i.e. if you are diagnosed with a terminal illness and your life expectancy is less than 12 months, your cash amount will be paid out.

OR

• 1Life Elevated which:
  
  
• will pay out, to a beneficiary of your choice, a cash amount from R200 000 and upwards in the event of your death;
  
  
• is a level sum assured product, so the amount you will be covered for will remain the same while your policy is active;
  
  
• includes a guaranteed assurability option, which means that you can increase your cover amount if your lifestyle changes e.g. when you get married, buy a home or have a baby with limited underwriting;
  
  
• can be taken for a specific number of years or for your whole life;
  
  
• covers you immediately for death;
  
  
• also includes terminal illness cover.

You can further add some extra value to your life policy with our two additional products for disablement and dread disease:

• 1LIFE DISABLEMENT offers you a choice between cover for disablement which leaves you medically unfit to work and cover for events that result in a disability:
  
  
• Occupation-based Disablement
• pays out a cash amount if you become permanently and totally disabled and cannot do your normal job or any other work
  
  
• stands alone from your other benefits, so if this amount is paid out, your life cover amount will not be affected
  
  
• is a "level sum assured" up to 5 years before you turn 65 or retire
  
  
• covers you immediately if your disablement is the result of an accident
  
  
• covers you immediately for death;
  
  
• includes the option to increase your cover amount when your circumstances change



• Event-based Disablement
• pays out a percentage of your cover amount depending on the kind of disability you suffer, e.g. if you lose an eye, you get 50% of the amount, but if you become permanently blind in both eyes, a 100% will be paid out.
  
  
• also stands alone - so claim here will not affect the cover value of your other products
  
  
• covers you immediately for accidental disablement
  
  
• can be increased according to your lifestyle changes
  
  

• 1LIFE DREAD DISEASE
  
  
• pays a percentage of your "level sum assured" cover amount if you suffer a dread disease such as leukaemia or undergo a major heart operation or organ transplant
  
  
• is a stand-alone product which will not affect your other covers’ value
  
  
• can be taken for a specific period or for your whole life
  
  
• includes "guaranteed assurability" for lifestyle-related cover amount increases
  
  
• covers you immediately for death;
  
  

If you have disablement and/or dread disease cover under these additional products and claim from one of them, we will pay the premiums for your other policies to help you keep your cover active during difficult periods:

DISABLEMENT PREMIUM WAIVER pays the premiums of your 1Life Basic/ Elevated and 1Life Dread Disease cover (if you have this) on your behalf for a period of up to 5 years if you become disabled and the full cover amount of your 1Life Disablement policy is paid out.

DREAD DISEASE PREMIUM WAIVER pays the premiums of your 1Life Basic/ Elevated and 1Life Disablement cover (if you have this) on your behalf for a period of up to 5 years if you suffer a dread disease or have a major heart operation or organ transplant and the full cover amount of your 1Life Dread Disease policy is paid out.

Section:Life Insurance

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