Flexible Cover

The Flexible Cover benefit allows the life, critical illness, disability and physical impairment cover on a policy to be increased or decreased at any time, to suit the policyholder’s financial circumstances. The future increases in cover can be taken as either an increase to the base policy or as a new standalone policy. It’s available on a personal and business basis, with limited underwriting. Business cover and personal cover can be changed at any point. Personal cover can also be changed specifically within 3 months of marriage, divorce, the death of a spouse, or at the birth/adoption of a child. The Flexible Cover benefit:

  • Offers maximum personal cover of 3x the largest initial amount, up to R5 million
  • Offers maximum business cover of 4x the largest initial amount, up to R20 million
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