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Supplement your existing life insurance with affordable gap cover. Ensure your family receives the full financial protection they need when it matters most.
Affordable premiums • Quick approval • Supplement existing cover
Death Gap Cover is supplementary life insurance designed to bridge the shortfall between your existing life cover (like group life through your employer) and what your family actually needs.
Many people rely solely on employer-provided group life insurance, but this is often insufficient to cover all debts, living expenses, and future needs. Gap cover provides an affordable way to increase your total death benefit without replacing your existing policies.
Most employer group life policies only provide 2-4 times your annual salary, which may not be enough to pay off your mortgage, settle debts, and provide ongoing income for your family.
Employer group life and standard policies often leave significant shortfalls
Ensure your home loan is fully paid off so your family doesn't face the risk of losing their home.
Cover personal loans, car finance, credit cards, and other debts that group life may not fully address.
Provide sufficient funds for your family to maintain their lifestyle and cover living expenses for years to come.
Secure funding for your children's schooling and university education, ensuring their future isn't compromised.
Cover estate duty, executor fees, and other costs associated with winding up your estate.
Maintain consistent coverage even if you change employers or lose your group life benefits.
Gap cover is typically less expensive than standalone life insurance because it supplements existing cover rather than providing full coverage.
Simplified underwriting process with faster approval times compared to traditional life insurance policies.
Choose exactly how much additional cover you need to bridge your specific gap, from hundreds of thousands to millions.
Your gap cover stays with you even if you change jobs, ensuring continuous protection regardless of employment status.
Many gap cover policies don't require extensive medical underwriting, making it accessible to more people.
Works alongside your employer benefits and other policies, providing layered protection for comprehensive coverage.
Gap cover is particularly valuable if you fall into any of these categories
With large mortgages, dependents, and years of income to replace
Where group life multiples don't provide adequate income replacement
Who need to ensure business debts and partner buyouts are covered
Whose families would struggle financially without their income
We assess your existing life cover and compare it to your actual financial needs.
We obtain competitive quotes for gap cover that bridges your specific shortfall.
Simple application process with fast approval and minimal paperwork required.
Your gap cover is in place, working together with your existing life insurance for complete peace of mind.
Don't leave your family's financial security to chance. Affordable gap cover ensures your loved ones receive the full protection they deserve.
Prefer to reach out directly? Our team is here to help — contact us using the details below.
Office
53 General Alberts Avenue, Randhart, Alberton, 1449
Business Hours
Mon–Thu: 08:00 – 16:30
Fri: 07:30 – 16:00
Sat – Sun: Closed