You will get to know what you are covered for and if there are benefits that you can use while you are still living. Here is what you need to know.

What is life cover?

Life insurance is one of the crucial safety nets you and your family will need. However, some people tend to delay having life cover because of overestimating the cost of life cover by five times more than what it actually costs. If your thoughts lean towards how your loved ones will continue life without you and who will support them financially, then you know you need life insurance.

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What does it cover?

Life insurance is a financial safety net that anyone who has a loved one puts in place to take care of their financial needs. It is a safety net that covers you for life's 'what if' moments, ensuring that you and your loved ones have peace of mind knowing that you are financially covered. It can act as a financial shield against some of life's unexpected expenses such as being diagnosed with a terminal illness like cancer which can cost a minimum of R10,000 - R1 million a year. Some of the key benefits that come with life cover are:

• Life insurance is paid out when you have been diagnosed with a terminal illness or have died.

• It's a safety net that offers peace of mind knowing that your loved ones are financially protected.
• Can be used to take care of medical bills, daily living expenses, paying for educational expenses, debt, purchasing of property, charity, investing or however your loved ones see fit.

This may differ from insurer to insurer. Therefore, make sure that you check what you are covered for before agreeing to a policy. 

Benefits you can use while you are alive 

There are benefits that you can use while you are still living, also known as living benefits. Being diagnosed with a terminal illness can be something that can happen at any time to anyone. It also comes with financial implications that can place a strain on you and your loved ones.

One of the living benefits that come with a life cover policy is the payout for terminal illnesses to assist you in paying for medical costs such as medication, a live-in nurse, transport, and renovations to your home without getting into debt.

Thinking ahead when it comes to protecting you and your family will be one of the best things that you can do. Not sure how much life cover will be enough cover for you? You can use our life insurance calculator to find out or get an obligation free quote to speak to us.