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  1. Login to your Online Banking profile
  2. Select 'Insurance'

Qualifying criteria


Standalone Disability Cover


The Standalone option will not affect your Life Cover amount when a claim is made.

Combined with Life Cover


The combined option will reduce your Life Cover amount by the disability amount claimed. This type of cover is sometimes referred to as accelerated cover or a rider benefit.

Temporary Premium Waiver Benefit


Critical Illness Cover also offers a Temporary Premium Waiver Benefit. If you submit a Critical Illness claim that meets FNB's requirements, all premiums on your policy will be waived for 6 months.

Cover options


Own Occupation Cover Activities of Daily Living Cover Disability Combination
The own occupation disability option covers you in the event that you become permanently disabled and can no longer perform your own occupation, before retirement age. By your occupation we mean your trade, profession or type of work you do for profit or pay. It is not a specific job with any particular employer and is irrespective of location and availability. The activities of daily living option covers you in the event that you become permanently unable to look after yourself and require help or supervision to perform daily tasks, like getting dressed for example. You can choose to have either Own Occupation or Activities of Daily Living Cover, or you could choose to have both. If you have cover for both disability covers, you will be paid out for the first instance of disability in the event of a claim. For example, if you have Own Occupation and Activities of Daily Living Cover and you become permanently disabled and are not able to perform your occupation, then you will be paid out for this disability only.

Terms and conditions apply


Financial Service Provider: First National Bank ("FNB"), a division of FirstRand Bank Limited, Registration No. 1929/001225/06. Authorised financial services provider (FSP No. 3071).

Product Supplier and Insurer: FirstRand Life, Reg. No. 2014/264879/06, insurer no 00102/001. Address: 4 Merchant Place, Cnr Fredman Drive and Rivonia Road, Sandton, 2196

Get in touch


Please call us on 087 736 7774 (option 2)

Life Cover


Life Cover

We understand that you want to be confident that your family will be taken care of financially when you're no longer around.


We've kept your options simple:

Receive comprehensive cover up to R10 million, with the flexibility to add on benefits such as Critical Illness and Disability Cover.

Cover offers


An Immediate Cash Benefit

To help you deal with life's complexities, Life Cover also offers you:

An amount within 24 hours to help with unforeseen expenses - all at no additional cost, provided your beneficiary is 18 years or older and has an FNB/RMB Private Bank transactional banking account for at least 24 months at the date of the claim.

A Terminal Illness Benefit

To help you deal with life's complexities, Life Cover also offers you:

A benefit that pays out 100% of the sum insured if you are diagnosed by a certified medical practitioner with a terminal illness and have less than 12 months to live.

Critical Illness cover


Standalone Cover

We understand that illness or injury can have a significant financial impact on you, which is why we cover you for 33 specified illnesses and injuries. To further help you financially, when a claim is approved, you'll make no premium payments for six months.

Pays out up to three times and does not affect your Life Cover amount when you claim.

Combined with Life Cover

We understand that illness or injury can have a significant financial impact on you, which is why we cover you for 33 specified illnesses and injuries. To further help you financially, when a claim is approved, you'll make no premium payments for six months.

Pays out only once and reduces your Life Cover by the amount claimed, but offers more affordable premiums as it is combined.

Disability Cover


Comprehensive Disability Cover

Dealing with disability can be emotionally, physically and financially challenging. We also understand that everyone has different circumstances. This is why we offer you a choice of cover to best help you if you become permanently disabled.

Pays out a cash lump sum when you can no longer perform your own occupation (even if you can perform a similar one) or care for yourself.

Whichever option suits your needs, you have the flexibility of selecting either:

Standalone Cover - Pays out without affecting your Life Cover amount when you claim.

Combined with Life Cover - Reduces your Life Cover by the amount claimed, but offers the advantage of more affordable premiums.

You'll also get a 6-month Premium Waiver Benefit, which means you'll make no premium payments for six months when your claim is approved.

Activities of Daily Living

Dealing with disability can be emotionally, physically and financially challenging. We also understand that everyone has different circumstances. This is why we offer you a choice of cover to best help you if you become permanently disabled.

Pays out a cash lump sum when you can no longer care for yourself or need help with simple daily tasks.

Whichever option suits your needs, you have the flexibility of selecting either:

Standalone Cover - Pays out without affecting your Life Cover amount when you claim.

Combined with Life Cover - Reduces your Life Cover by the amount claimed, but offers the advantage of more affordable premiums.

You'll also get a 6-month Premium Waiver Benefit, which means you'll make no premium payments for six months when your claim is approved.

Apply now


Please log in to online banking to apply for FNB Life Insurance. Alternatively, you can apply on the app.

Apply online

  • Log in to your Online Banking profile
  • Select the 'Insurance' tab at the top of the screen
  • Select 'Apply now'
  • Follow the application prompts

Apply on the app

  • Log in to the app
  • Select 'Insurance' from the menu
  • Select 'Add a policy' and follow the application prompts

Contact us

FNB Life Call Centre number:
087 736 774

Email address:
fnblife@fnb.co.za

Don't have the app?

Keep up to date and download the latest version of the FNB Banking App on your device.

Download Apple Download Android

Life Insurance


Simpler, smarter life insurance

We're changing how life insurance works, to work with your life.

We've made it simpler, giving you the control of choosing what really suits you and your needs.
With easy-to-understand choices in straightforward language, and an application process that takes minutes, right from your phone.

All because we believe life insurance shouldn't get in the way of living life.

Life cover from R200 000 to R10 million


Looking after your loved ones

Life Cover

Taking care of your family even after you're no longer around.

Read more

Cover offers

Helping you deal with life's complexities.

Read more

Critical Illness cover

Giving you peace of mind.

Read more

Disability Cover

Offering you cover to best suit your circumstance.

Read more
 

Earn eBucks for choosing


Simpler, smarter life
cover

Earn up to 15% of your monthly premiums back in eBucks on your FNB Life Simplified Cover or FNB Life Customised Cover, if you meet the qualifying criteria.

As an FNB Premier, Private Clients or Private Wealth account holder, you also earn 1 000 points towards your eBucks reward level each month.

eBucks Rewards Terms and Conditions apply. For more details on the eBucks Rewards programme, and how to become a qualifying member, please visit www.eBucks.com.

Getting it made easy


FNB Life Insurance

Qualifying criteria

You need to be an FNB/RMB Private Bank customer

How to get it

Call me back

Other ways to apply

Complete the call me back form


Download the FNB App

Call us on 087 736 7774 and select option 2

How to apply

Documents provided

Download brochure