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Disablement Cover by 1Life*

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