Disablement Cover | Insurance Brokers

Disablement Cover

Make sure you and your loved ones are financially protected should the unexpected happen. Disablement Cover from 1life will pay out a lump sum should you be unable to continue within your occupational scope or should you become disabled due to an illness or physical injury.**

Be ready for the unexpected.

* Life Insurance policies underwritten by 1Life, FSP: 24769.
** Terms & Conditions Apply

Occupation-based disablement

Pays out from R200 000 to R10 million if you become permanently and totally disabled and cannot perform your normal job or other work to which you are suited**
If the full disablement benefit is paid out, your other life cover will not be affected
Your cover level will not decrease until five years before you turn 65 or retire
Includes a Guaranteed Assurability option, meaning that you can increase your cover amount with limited underwriting or on your third policy anniversary, if your lifestyle changes; for instance, when you get married, buy a home or start a family
Choose our Disablement Premium Waiver option, which pays the premiums of your pure life and dread disease policy on your behalf for a period of up to five years if you become disabled and the full cover amount of your disablement policy is paid out
Covers you immediately

Event-based disablement

Pays out a percentage of your cover amount (from R50 000 to R10 million), depending on the kind of disability you suffer; for instance, if you go blind or lose an eye, you get 50% of the amount and if you become permanently blind in both eyes, the full cover amount will be paid out**
Choose our Disablement Premium Waiver option, which pays the premiums of your pure life and dread disease policy on your behalf for a period of up to five years if you become disabled and the full cover amount of your disablement policy is paid out
Includes a Guaranteed Assurability option, meaning that you can increase your cover amount with limited underwriting or on your third policy anniversary, if your lifestyle changes; for instance, when you get married, buy a home or start a family
If the full disablement benefit is paid out, your other life cover will not be affected Covers you immediately for accidental disablement

Pays out from R200 000 to R10 million if you become permanently and totally disabled and cannot perform your normal job or other work to which you are suited**
If the full disablement benefit is paid out, your other life cover will not be affected
Your cover level will not decrease until five years before you turn 65 or retire
Includes a Guaranteed Assurability option, meaning that you can increase your cover amount with limited underwriting or on your third policy anniversary, if your lifestyle changes; for instance, when you get married, buy a home or start a family
Choose our Disablement Premium Waiver option, which pays the premiums of your pure life and dread disease policy on your behalf for a period of up to five years if you become disabled and the full cover amount of your disablement policy is paid out
Covers you immediately

Pays out a percentage of your cover amount (from R50 000 to R10 million), depending on the kind of disability you suffer; for instance, if you go blind or lose an eye, you get 50% of the amount and if you become permanently blind in both eyes, the full cover amount will be paid out**
Choose our Disablement Premium Waiver option, which pays the premiums of your pure life and dread disease policy on your behalf for a period of up to five years if you become disabled and the full cover amount of your disablement policy is paid out
Includes a Guaranteed Assurability option, meaning that you can increase your cover amount with limited underwriting or on your third policy anniversary, if your lifestyle changes; for instance, when you get married, buy a home or start a family
If the full disablement benefit is paid out, your other life cover will not be affected Covers you immediately for accidental disablement

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