We commit to giving you life cover with a disability benefit, and no medical tests. Together we can find the right life cover plan for you and your family.
Life doesn't always work out the way you plan. But our Metropolitan life cover plans do. Protect you and your family should something happen that stops you from earning a living.
Cover starting from R120 a month.
Protect your family’s future security.
Choose if you want to do medical tests or not.
Get built-in benefits for urgent expenses and add benefits for extra cover.
Life cover is an insurance policy that pays out a sum of money when you die. Having life insurance means you and your loved ones can enjoy living life knowing that you’ve taken care of business. The payout from your Metropolitan Life Cover Plan policy can be used to:
There are no rules for deciding how much cover is enough. The best answer to this is to balance what you need with what you can afford, and then decide how much to take.
Here’s a helpful checklist to determine how much life cover you would need:
If this amount is more than you can afford now, start where you are, with what you have, to secure your life insurance plan, then add an automatic yearly payment and cover increase.
We all want those we love to be taken care of when we pass away. Whether it is to provide them with enough money to take care of their daily needs, pay for your children's education, or to repay a loan, life cover allows you to achieve this goal.
Planning for your family’s financial future is important and with our Metropolitan life cover insurance solutions, you and your family can enjoy some financial stability. With the help of an experienced financial adviser, you can set a goal, and we’ll help you work towards it.
There is a life cover solution to suit your unique need. For example, as a breadwinner, you may want to protect your family while you are working. Our term cover plans will provide protection for a fixed period and the cover stops at the end of the plan term.
Or, you may want to protect your family and leave a gift of money when you die. Lifetime cover is more appropriate for this need because you’ll have cover until you die.
Depending on how much information you are willing to share, plans without medical testing tend to be more expensive because people who are less healthy usually buy this type of cover. While our plans with medical testing and by providing more information about your health and lifestyle, you may pay less for the same cover amount.
There are lots of things to consider, but a good starting point is to decide what you need and what you want and then compare like with like. For example, a term cover plan and a lifetime cover plan provide for different needs. Compare the cost; know how much cover you need and what you can afford to pay. Also, consider the benefits you need and want from a life cover solution and make sure the benefits and the solution you choose meets those needs and wants.
It is important that you give the correct information to the insurer when you apply for cover. This includes information like your age, gender, marital status, highest education level, current health status, and family history relating to health matters. An insurer may also ask about your habits, like smoking and drinking. It also considers how dangerous your work is and if you take part in dangerous sports or hobbies. This may differ from one insurer to another and there may be things we haven’t mentioned here. It is best to make sure about all the things that could affect how much you pay for life cover when you apply.
If you already have a Metropolitan financial adviser:
Contact your financial adviser and ask them to set up time to tell you more about Metropolitan’s life cover plans. Your adviser will help you figure out how much life cover you need and can provide you with a life cover quote.
If you don’t have a Metropolitan financial adviser yet:
You may request that your personal information held by Metropolitan be removed.
Please note that you will be contacted with regards to this request; as there may be other applicable laws that may prevent your data from being deleted.