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page.keywordsLife insurance, Life cover, Disability insurance, Disability cover, Income protection, Critical illness cover, Impairment insurance
Mom and dad enjoying quality time with their young son.

Life cover

Get a life cover quote for peace of mind that your family and loved ones will be financially provided for in the event of your death.

Calculate your personalised life cover premium discount of up to 35% with LifeReturns® to save on your monthly premiums. LifeReturns® is a modern approach to calculating maximum discounts on your monthly life cover premium using the latest digital technology to quickly and accurately assess your health risk factors that are used to calculate your monthly premium price.

  • Settle significant debt like a bond, credit card or car repayment.
  • Ensure your legacy continues knowing there's enough money to pay for your children's education and living expenses.
  • Save up to 35% on your monthly premium with a personalised LifeReturns® premium discount.
Young mom and dad are walking in the park. The dad is carrying his son on his shoulders.


Save money on your life cover premium

Get affordable life cover that helps you save every month. LifeReturns® uses the latest technology to quickly and accurately assess your health risk factors to calculate your personalised life cover premium discount.

What is life cover?

Life cover ensures that your financial responsibilities are taken care of in the event of your death. It replaces the income you would have earned during your working life, ensuring that your family is financially secure.

When should I get life cover?

  • Discuss the benefits of taking out life cover with a financial adviser.
    It is advisable to buy life cover earlier because you never know when you are going to need it and, as you get older, life cover gets more expensive.
  • If anyone else depends on your income, you should consider taking out life cover – the earlier the better.
    For example, if you’re married, you and your spouse may want to take out life cover for each other. Many married couples rely on 2 incomes to cover their monthly expenses, and if one
    spouse dies, the other spouse would need to cover those expenses on one income.

How much life cover do I need?

To find out how much life cover you need, work out what portion of your income your family needs today. Because that is what they will need if you die tomorrow.
The next step is to calculate the lump sum that will generate this income up to your planned retirement age, taking inflation into account. You can select life cover from R100 000 up to R5m.
Find out how with our online life cover quote.

We’re keeping our promises, and paying on our promises

We have a solid reputation for always looking for reasons to pay all valid claims. We understand that every claim represents a family that has lost a loved one or experienced the impact of illness or disability. We’re committed to doing everything we can to ease the financial burdens of these families during this difficult time and remain dedicated to protecting our clients’ journeys to success, no matter what challenges they may encounter. In 2022, we paid 92.98% of the total claims submitted with no Ombud rulings against our claim decisions.

Want to know more?

Claims and payouts

When doesn't it pay out?

The life cover benefit won't pay out if the person insured dies due to suicide during the first two years of the policy.
Who gets paid?

The benefit amount will be paid out to the nominated beneficiaries on the policy.
How long does it take to pay out a claim?

Life cover claims are usually paid within 2 to 5 days of the death of the insured.
Is my claim payment taxable?

No. This benefit is tax-free.


How do you work out my premium?

The premium depends on the person insured's age, gender, smoker status, and health as well as the premium pattern chosen at the outset of the policy.
What if I skip a payment?

If you skip a payment, the policy won’t lapse as long as we receive a payment within the 30 days grace period.

Cover term and amount

Will the cover amount change over time?

If the person insured chose an increasing cover amount during the application process, the cover amount will increase annually and so will the policy premium.
How long am I covered for?

The person insured can choose how long he/she wants to be covered for - either for life or for a specific term (5 years being the minimum, and 20 years being the maximum).
Can I increase or decrease my cover amount?

Yes, the cover amount can be changed through an alteration process.

Want a quote?

You’ll get a quote reflecting your premium amount at the end of the process.

Need advice?

Discuss the benefits of having life insurance with a certified financial adviser.

Contact Momentum
life insurance


Business hours are Monday to Friday from 08:00 to 17:00. We're closed on weekends and public holidays.

Client service and policy alterations

Business hours are Monday to Friday from 08:00 to 17:00. Closed on weekends and public holidays.


[email protected]
[email protected]
[email protected]

Please use the applicable email address above for your relevant claim type. If you send your claim documents to the incorrect email, your claim handling could be delayed.

International number

+27 11 505 1552

Business hours are Monday to Friday from 08:00 to 17:00. We’re closed on weekends and public holidays.

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