Needs-matched life insurance

• Introducing needs-matched life insurance by BrightRock

  What makes a BrightRock policy different? You do. It’s made just for you at the start, and changes with you throughout your life.

  With us, you get:

  	The most relevant and suitable financial protection, because it’s created specifically to meet your and your family’s needs. With BrightRock, you can decide exactly how to cover each of your financial needs if you were to get ill, suffer an injury or die. You tailor your cover across six key financial needs and you can choose the best pay-out for each specific need – a lump-sum for your capital needs and a regular monthly pay-out for your income-related needs.
  	Cover that stays the course, because it’s designed to change with you throughout your lifetime. You choose exactly how your cover for each financial need should grow, so your cover keeps pace with your changing needs. And we’ve made sure you can change your cover when your needs change with fewer underwriting requirements on easier terms than any other product on the market.

  

   

  Greater affordability, value and efficiency, because you pay only for cover you need. There’s no waste in your BrightRock policy, so every premium rand you spend with us works so much harder for you. When you no longer need cover for a specific need, that cover will fall away – so you can use that part of your premium to use to buy more cover for another need, or pocket the savings.

• More sustainable premiums, because – unlike many other insurance plans – you don’t have to “buy now, pay later” to get the cover you need today. With us, you’ll know exactly what you’re paying for today and exactly how it will increase over time. Working with your adviser you can make informed decisions and choose the option that works best for you now and tomorrow.

  

   

  Unrivalled flexibility and protection when you claim. You have the option, if you choose a lump-sum for your income-related needs, to change your choice at claim-stage. So you can receive a recurring pay-out instead, on guaranteed terms and in the most tax-efficient structure. No other insurer can offer you the same level of choice and flexibility.

   

  Market leading definitions, certain cover available in the market today. We use objective medical criteria based on clinical best practice guidelines to assess your claims for illness and injury. But we’ve also added the Personal Job Fitness Test to ensure you can get the benefit, where appropriate, of a pay-out based on your inability to work. Which means greater choice and flexibility for you – and above all, greater certainty that we’ll pay your valid claims.