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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)

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

Income Protection


This benefit pays out a monthly income (partial or full) should you become disabled or severely impaired.

 

 

FNB Life Insurance


Does your bank help you with life insurance?

Life Insurance shouldn't be a one-size-fits-all. This is why we offer a product range which can be personalised to meet your unique needs and profile.

Our goal is to create life insurance products with you, our customer at the centre - in death, disability or critical illness. We've got you covered.

 

Earn up to 40% of your premium back in eBucks


Earn up to 40% back in eBucks on your FNB Life Insurance, Customised or Dynamic Life monthly premiums.

As an FNB Fusion or Cheque account holder, you could earn up to 2000 points towards your eBucks reward level each month.

To find out how to earn eBucks from your Life Cover, or for more details on the eBucks Rewards programme, please visit www.eBucks.com.

eBucks is embedded in the insurance product and earn depends on meeting and maintaining qualifying criteria.

Looking after your loved ones


Life Insurance

Taking care of your family the way you would have.

Read more

Critical Illness

Helping you deal with life's complexities if you suffer a serious illness.

Read more

Permanent Disability

Giving you peace of mind if you can't work again.

Read more

Income Protection

Protecting your income if you become disabled.

Read more

Dynamic Life≫ Home

Whatever happens, ensure you have a roof over your and your loved ones' heads.

Read more

Dynamic Life≫ Home


Cover that matches your need

  • Always have the right amount of cover even if you unexpectedly draw down or prepay your loan
  • Cover and premiums get updated automatically every month
  • Cover against death, disability and / or critical illnesses
  • Can nominate FNB/RMB Private Bank as a beneficiary and cessions are allowed

Superb value

  • Covers only the risk that you are worried about
  • Save by not paying for cover you don't need
  • Cover is fully underwritten - resulting in the best premium possible
  • No premiums until your bond is registered, but you keep FULL cover for up to 6 months

Income Protection


This benefit pays out a monthly income (partial or full) should you become disabled or severely impaired.

Permanent Disability


Our Permanent Disability cover offers a lump sum pay-out should you be unable to perform your own occupation or if you are diagnosed and suffer from a permanent impairment.

Critical Illness


Our Critical Illness cover offers a lump-sum pay-out should you be diagnosed with a critical illness. This benefit helps you cover unforeseen expenses which can arise with certain serious illnesses such as paying for medical specialists or high treatment costs, 24/7 care or any other lifestyle adjustments you may need.

All critical illnesses pay out 100% for related and unrelated events.

You will receive 100% of your cover if you are diagnosed with any of our listed critical illnesses. Our Critical Illness cover protects you against a wide range of conditions such as cancer, heart attack, coronary bypass, surgery stroke, dementia, kidney failure, multiple sclerosis etc.

You can choose to link your Critical Illness cover with your Life Cover or keep them separate. You can claim up to 3 times, each at 100% for related and unrelated events where your Critical Illness cover isn't linked to your Life Cover. This provides added protection should your illness worsen or even if you are diagnosed in future with an unrelated illness.

You can only claim once if cover is linked to your Life Cover.

FNB Life Insurance


Our benefits provide financial support to your dependants, help to settle outstanding debt, pay for your children's education or pay your estate taxes.

Proactive claims

We know how to pay out claims fast! We search home affairs and proactively find claims that need to be paid out. Over R200 million has been paid out to date.

Terminal Illness Benefit

Get paid out 100% of your death cover benefit should you be diagnosed with a terminal illness and have less than 12 months to live.

Help your family with immediate expenses

Your Life Customised policy includes an additional R30 000 Funeral and a Spend Protect Benefit. These benefits will be paid out to your nominated beneficiary within 24 hours of your claim.

Your Spend Protect Benefit, which is limited to 10% of your Life Insurance amount, pays out a multiple of your average monthly FNB/RMB Private Bank card swipes and any loan repayments to FNB/RMB Private Bank.

The multiple will be determined by your transactional account type held with FNB/RMB Private Bank.

Life insurance online


How to get Life Insurance online

Applying made easy


FNB Life Insurance

Qualifying criteria

You need to be an FNB/RMB Private Bank customer

How to get it

Apply now!

Other ways to apply


Complete the call me back form


Download the FNB App

Call us on 087 736 7774 and select option 2


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

Download the App

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

Download Apple Download Android