Personal & Life
Personal Lines Insurance
Protecting individuals and their families against unforeseen financial losses that may otherwise be difficult to manage independently.
Our personal lines insurance solutions help safeguard the things that matter most, from your vehicle and home to your personal assets and any other personal items that you treasure. We aim to provide peace of mind by ensuring that you have appropriate protection against life’s unexpected events, allowing you to focus on living with greater confidence and financial security.
Protect what matters. Secure your lifestyle. Live free.
Credit Life Insurance
When you take a loan or enter a credit agreement, you commit to repaying it over time. If something happens that makes you unable to repay, the debt does not disappear, and it can land on your family. Credit Life Insurance is cover linked to a loan or credit agreement. If an insured event occurs, as defined in your policy, the cover helps settle or support the outstanding balance.
What the cover can include
The events covered depend on the policy and insurer. Credit life cover can include:
- Death: The outstanding balance is paid or reduced if the borrower dies.
- Disability: Support with repayments, or settlement of the balance, if the borrower becomes disabled as the policy defines it.
- Retrenchment or loss of income: Support with repayments for a period, where the policy includes it.
- Critical illness: Settlement or support if the borrower is diagnosed with a covered illness, where the policy includes it.
Waiting periods, qualifying conditions and limits apply.
What is typically not covered
- Events that occur during a waiting period
- Pre-existing conditions, where the policy excludes them
- Death or disability from intentional self-injury or criminal acts, as the policy specifies
- Debts above the maximum cover amount
Exclusions vary. We go through them with you.
Who it’s for
Individuals with personal loans, vehicle finance or other credit agreements, and lenders and credit providers who want cover arranged for their borrowers.
How it works
- The cover is linked to your loan or credit agreement.
- We explain the events covered, the waiting periods and the limits.
- The premium is paid as agreed, often alongside your repayments.
- If an insured event occurs, you or your family notify us.
- We assess the claim against the policy and arrange settlement as the policy provides.
What we need to arrange cover
- Details of the loan or credit agreement
- The borrower’s ID and personal details
- Employment details where the policy covers income loss
- Health information, where the insurer requires it
Funeral Cover
Group and individual funeral insurance solutions designed to provide financial support to families and loved ones following the loss of a family member.
We understand that losing a loved one is an emotionally difficult experience. Our funeral cover solutions aim to ease the financial burden associated with funeral expenses, while ensuring that policy administration and claims support are handled with care, efficiency and compassion.
Providing support when it matters most. Supporting families through life’s most difficult moments.