Life and Disability Cover

Metropolitan Life Cover

We commit to giving you life cover with a disability benefit, and no medical tests. Together we can find the right life cover plan for you and your family.

Learn more Call me back
Metropolitan Life Cover

Life and Disability Cover

We commit to giving you life cover with a disability benefit, and no medical tests. Together we can find the right life cover plan for you and your family.

Learn more Call me back
OVERVIEW
Metropolitan Life Cover. It's your life. Cover it your way.

Life doesn't always work out the way you plan. But our Metropolitan life cover plans do. Protect you and your family should something happen that stops you from earning a living.

Cover starting from R95 a month. 

Protect your family’s future security. 

Choose if you want to do medical tests or not. 

Get built-in benefits for urgent expenses and add benefits for extra cover. 

Life cover is an insurance policy that pays out a sum of money when you die. Having life insurance means you and your loved ones can enjoy living life knowing that you’ve taken care of business. The payout from your Metropolitan Life Cover Plan policy can be used to:

  • Replace lost income by covering household and other daily expenses.
  • Pay off debt such as a bond, vehicle finance loan, or credit card.
  • Contribute towards a child’s education.
COMPARE

Let's plan for your family's future

You want options. We've got them. Compare our life cover plans, and chat to an adviser to get started.
With medical tests
No Medical Tests
Cover up to age 60
Helps you protect your family while you are still working
Pay fixed monthly life insurance premium or start with lower payment that increase over time.
Pay the same amount every month or start with a lower payment that increases over time.
Got it
Get urgent cash for day-to-day expenses before policy claim pay outs.
The Immediate Needs benefit covers urgent expenses on a valid claim for accidental death or terminal illness before we settle the claim.
Got it
Option to add Value Protection benefit to your policy to protect against disability and economic inflation.
Disability cover pays out when an illness or injury permanently stops you from working. The Value Protection benefit is an automatic yearly payment increase that helps protect your plan payout so that it keeps up with the rising cost of living.
Got it
Option to skip up to 6 premiums in tough times.
Struggling to make your monthly payments? We allow you to skip up to 6 monthly payments during your plan term.
Got it
Choose to receive your life policy payments back at the end of the plan, if there’s no claim.
You pay extra for this benefit. When you have a plan with cover for life, your plan has no term and only ends when you pass away.
Got it
Get up to
R5 000 000
From as little as
R95
pm
Call me back
Cover for life
Leave a gift of money or help your family build a better financial future
Pay fixed monthly life insurance premium or start with lower payment that increase over time.
Pay the same amount every month or start with a lower payment that increases over time.
Got it
Get urgent cash for day-to-day expenses before policy claim pay outs.
The Immediate Needs benefit covers urgent expenses on a valid claim for accidental death or terminal illness before we settle the claim.
Got it
Option to add Value Protection benefit to your policy to protect against disability and economic inflation.
Disability cover pays out when an illness or injury permanently stops you from working. The Value Protection benefit is an automatic yearly payment increase that helps protect your plan payout so that it keeps up with the rising cost of living.
Got it
Option to skip up to 6 premiums in tough times.
Struggling to make your monthly payments? We allow you to skip up to 6 monthly payments during your plan term.
Got it
Monthly policy payments automatically stop at age 85, or choose to stop them at age 65, but stay covered till you pass away.
On a plan with cover for life you stop making payments at age 85, but you have cover until you pass away.
Got it
Get up to
R5 000 000
From as little as
R 95
pm
Call me back
Cover up to age 60
Helps you protect your family while you are still working
Pay fixed monthly life insurance premium or start with lower payment that increase over time.
Pay the same amount every month or start with a lower payment that increases over time.
Got it
Get urgent cash for day-to-day expenses before policy claim pay outs.
The Immediate Needs benefit covers urgent expenses on a valid claim for accidental death or terminal illness before we settle the claim.
Got it
Option to add Value Protection benefit to your policy to protect against disability and economic inflation.
Disability cover pays out when an illness or injury permanently stops you from working. The Value Protection benefit is an automatic yearly payment increase that helps protect your plan payout so that it keeps up with the rising cost of living.
Got it
Option to skip up to 6 premiums in tough times.
Struggling to make your monthly payments? We allow you to skip up to 6 monthly payments during your plan term.
Got it
Choose to receive your life policy payments back at the end of the plan, if there’s no claim.
You pay extra for this benefit. When you have a plan with cover for life, your plan has no term and only ends when you pass away.
Got it
Get up to
R1 000 000
From as little as
R120
pm
Call me back
Cover for life
Leave a gift of money or help your family build a better financial future
Pay fixed monthly life insurance premium or start with lower payment that increase over time.
Pay the same amount every month or start with a lower payment that increases over time.
Got it
Get urgent cash for day-to-day expenses before policy claim pay outs.
The Immediate Needs benefit covers urgent expenses on a valid claim for accidental death or terminal illness before we settle the claim.
Got it
Option to add Value Protection benefit to your policy to protect against disability and economic inflation.
Disability cover pays out when an illness or injury permanently stops you from working. The Value Protection benefit is an automatic yearly payment increase that helps protect your plan payout so that it keeps up with the rising cost of living.
Got it
Option to skip up to 6 premiums in tough times.
Struggling to make your monthly payments? We allow you to skip up to 6 monthly payments during your plan term.
Got it
Monthly policy payments automatically stop at age 85, or choose to stop them at age 65, but stay covered till you pass away.
On a plan with cover for life you stop making payments at age 85, but you have cover until you pass away.
Got it
Get up to
R1 000 000
From as little as
R 120
pm
Call me back

How much life insurance do you need?

There are no rules for deciding how much cover is enough. The best answer to this is to balance what you need with what you can afford, and then decide how much to take.

Here’s a helpful checklist to determine how much life cover you would need:

  1. Start by writing down the income you and your family would need every month.
  2. Multiply that amount by 12 to get a yearly income amount and then multiply that by the number of years you would need this income - This depends on your situation, but it would usually be between 10 and 20 years.
  3. Do an analysis of all debts, like a home loan, vehicle finance, and creditors’ accounts you may have.
  4. Add any functional needs that would need financing in the future like the cost of tertiary education for children.
  5. This will give you a ballpark figure of the cover amount you need.

If this amount is more than you can afford now, start where you are, with what you have, to secure your life insurance plan, then add an automatic yearly payment and cover increase.

Your questions answered
Your questions answered
Why do I need life cover?

We all want those we love to be taken care of when we pass away. Whether it is to provide them with enough money to take care of their daily needs, pay for your children's education, or to repay a loan, life cover allows you to achieve this goal.

Planning for your family’s financial future is important and with our Metropolitan life cover insurance solutions, you and your family can enjoy some financial stability. With the help of an experienced financial adviser, you can set a goal, and we’ll help you work towards it.

What are the different types of life cover solutions?

There is a life cover solution to suit your unique need. For example, as a breadwinner, you may want to protect your family while you are working. Our term cover plans will provide protection for a fixed period and the cover stops at the end of the plan term.

Or, you may want to protect your family and leave a gift of money when you die. Lifetime cover is more appropriate for this need because you’ll have cover until you die.

Depending on how much information you are willing to share, plans without medical testing tend to be more expensive because people who are less healthy usually buy this type of cover. While our plans with medical testing and by providing more information about your health and lifestyle, you may pay less for the same cover amount.

How do I compare life cover solutions?

There are lots of things to consider, but a good starting point is to decide what you need and what you want and then compare like with like. For example, a term cover plan and a lifetime cover plan provide for different needs. Compare the cost; know how much cover you need and what you can afford to pay. Also, consider the benefits you need and want from a life cover solution and make sure the benefits and the solution you choose meets those needs and wants. 

What other factors affect how much I pay for life cover?

It is important that you give the correct information to the insurer when you apply for cover. This includes information like your age, gender, marital status, highest education level, current health status, and family history relating to health matters. An insurer may also ask about your habits, like smoking and drinking. It also considers how dangerous your work is and if you take part in dangerous sports or hobbies. This may differ from one insurer to another and there may be things we haven’t mentioned here. It is best to make sure about all the things that could affect how much you pay for life cover when you apply.

How to apply for a life cover plan

If you already have a Metropolitan financial adviser:

Contact your financial adviser and ask them to set up time to tell you more about Metropolitan’s life cover plans. Your adviser will help you figure out how much life cover you need and can provide you with a life cover quote.

If you don’t have a Metropolitan financial adviser yet:

  • Use our chatbot on our website and a qualified financial adviser will get in touch with you.
  • You can also start the process by sending a WhatsApp to 0860 724 724 and typing “Hi”.
  • Call our Service Centre on 0860 724 724 and ask the agent to arrange for a financial adviser to contact you.
  • Contact or visit your nearest Metropolitan branch and ask to speak to a financial adviser who can tell you more about Metropolitan’s life cover plans.
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