Disability Insurance

‘Usual occupation’ cover

Make sure that you are protected against loss of ability to perform your skills.

Lump Sum for Permanent Disability

Select an amount that you will receive all at once for a permanent disability diagnosis.

Lump Sum for Accidental Death

Protect your income against an accident or an illness that prevents you from attending your usual.

Weekly benefit for Temporary Disability

Get funds deposited for a disability that is temporary but substantial.

Get a Quote

Take the first step and find out what it will take to get this policy into your budget.

Get started

Policy Wording

Read the details and understand the policy. We know you want to understand it.

Coming Soon


View an overview of the features and schedule of benefits.

Coming Soon

Download Forms

Essential documents required for the application process are available to download.

Protecting Your Future

Permanent Disability Insurance


What would you do if an accident or illness permanently stopped you from being able to attend your normal occupation? What alternative occupations are accessible? What would happen to your earning potential?

Our income replacement insurance pays you a lump sum in the event that you are unable to attend your normal occupation due to an accident or an illness – securing the financial future for you and your family and put your destiny back in your hands.Permanent Total Disability benefits are available up to ten times your normal gross annual salary, for people aged between 18 to 65 years of age.

Accidental Death


Your death is likely to have an effect on your family beyond the physical loss that is endured; the financial loss of the death of a primary wage earner is difficult to appreciate.A lump sum payment, decided by you at the outset of the policy, is paid to your designated grantee, affording your family with financial security in the event of your death.

Cover is available for 18 – 65 year olds, with an amount payable of up to 10 times for gross annual salary.

Temporary Total Insurance


You don’t have to be permanently disabled to suffer a financial loss. Long term disability through accident or illness is likely to affect your income and your ability to pay your bills.

Our Temporary Total Disability cover provides a number of choices to allow you to tailor cover to match your own personal circumstances.

Benefits are payable weekly and are calculated based on your net weekly salary when the cover is purchased. Benefit payments can start from as soon as your 14th day of disability; payable for up to 2 years.

The weekly benefit payments provide you with the peace of mind to know that, when you can’t work through accident or illness, you will still be able to continue to meet your financial commitments.