The Standalone option will not affect your Life Cover amount when a claim is made.
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.
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.
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. |
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
Please log in to online banking to apply for FNB Life Insurance. Alternatively, you can apply on the app.
Apply online
Apply on the app
This benefit pays out a monthly income (partial or full) should you become disabled or severely impaired.
Cover that matches your need
Superb value
This benefit pays out a monthly income (partial or full) should you become disabled or severely impaired.
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.
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.
Our Critical Illness cover protects you against an extensive range of conditions such as cancer, heart attack, coronary bypass, surgery stroke, dementia, kidney failure, multiple sclerosis etc.
Summary of benefits include:
Additional benefits include:
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.
Let us help you protect your income by adding cover for retrenchment or inability to earn an income.
The benefit will help you manage your monthly financial obligations.
The benefits include:
Important information to note:
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, critical illness or retrenchment.
Earn up to 40% back in eBucks on your FNB Life Customised or Dynamic Life monthly premiums.
Earn up to 25% back in eBucks on your FNB Life Simplified monthly premiums.
As an FNB Fusion or Current account holder, you could collect up to 2500 points towards your eBucks reward level each month.
To find out how to collect points and 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.
Whatever happens, ensure you have a roof over yours and your loved ones' heads.
How to get Life Insurance online
You need to be an FNB/RMB Private Bank customer
Other ways to apply
Complete the call me back form
Download the FNB App
Call us on 087 736 7774 and select option 2