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.
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
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.
This benefit pays out a monthly income (partial or full) should you become disabled or severely impaired.
Cover that matches your need
Superb value
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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.
