Life Cover

What is Life insurance?

“Apparently there is nothing that cannot happen today.” – Mark Twain

You may be an eternal optimist, but no matter your outlook, things will inevitably happen that take the wind out of your sails. Being prepared doesn’t mean changing your optimistic nature. It only means that you care for your future and for the future of your family.

By taking out risk insurance, you are simply asking a company with years of experience to take the lead when unexpected things happen. You are providing a safety net that helps you and your family to get back up when life knocks you down.

Meditop offers you and your family the necessary financial help that enables you to deal with unexpected life-changing events.

At Meditop we strive to eliminate pitfalls through dependable advice, informed assessments and compassionate service. We offer you the right amount of cover to suit your age, income, lifestyle and family composition. The cover caters for future needs that you are not aware of.

Whether you want a simple option or a comprehensive, customised risk solution, we have you covered.

Life Cover

Death Benefit

Pays a lump sum to ensure that your dependents, debt, estate duty, business and other needs are taken care of if you die.

Accidental Death Benefit

Pays a lump sum in the event of your accidental death. No medical testing is necessary when you apply.

Final Expenses Benefits

Provides readily available cash to cover final expenses such as relatives having to travel to the funeral, the funeral itself, and clearing debts such as credit cards. You can also cover your partner, your biological or legally adopted children, and up to four extended family members, including your parents.

Definition of ‘Disability-Income (DI) Insurance’

An insurance product that provides supplementary income in the event of an illness or accident resulting in a disability that prevents the insured from working at their regular employment. Benefits are usually provided on a monthly basis so that the individual can maintain their standard of living and continue to pay their regular expenses.

Lump Sum disability insurance

provides a lump sum benefit if the insured becomes totally and permanently disabled as defined by the policy. The definition may require that the insured is unable to work in their own occupation, or that the insured is unable to work in any occupation (the insured will normally select a total and permanent disability definition when applying for the policy).

Severe Illness Cover

also referred to as critical illness insurance – provides a lump sum benefit if the insured is diagnosed with a number of trauma medical conditions. The actual conditions covered will be specific to a policy and described in the product disclosure statement, but in general may include conditions like cancer, stroke, heart attack, heart disease and other serious illnesses.

Final Expenses

There are a number of funeral plans available so identify what you need up front before making your choice. Is it cover for yourself; for yourself and immediate family; cover for your extended family, which could include your mother, father, brother, aunt, uncle, even your in-laws? Take a look at a few of our funeral cover solutions.

Request a Life Quote Here