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Defender Life Plan

The Defender Life Plan provides funeral cover, disability and retrenchment cover, and grocery annuity benefit under one plan.


Enquire about Defender Life Plan

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Plan Benefits

  • Funeral cover ensuring that you, your spouse and dependent children have a dignified funeral in the event of death.
  • Disability cover to provide an income to take care of your financial commitments when you are unable to work.
  • Retrenchment cover to take care of your daily bills in the event of your being retrenched.
  • Grocery annuity benefit to provide funds for your loved ones' groceries in the event of your death.

Plan Features

  • Instant accidental-death cover from the date you pay your first premium.
  • No HIV testing.
  • Tax-free death claim payouts.
  • Funeral cover for the whole family (spouse and up to four dependent children).
  • Flexibility to change your level of cover to suit your budget and need (up to a maximum of three Defender Life Plans and/or Striker Life Plans can be purchased).
  • Premium: R85 per month.
  • Claims: Settlement of all valid funeral claims within just 48 hours of receiving all the required documentation. There is a 12-month waiting period on death and disability due to natural causes.

Commencement of Cover

0 - 12 months
Benefits are in force from receipt of first premium. Funeral cover and grocery annuity benefit are payable in the event of accidental death only.
  12 months and onwards
Funeral cover, disability and retrenchment cover, and grocery annuity benefit commence after 12 months of premium payments.


  • Funeral cover is a lump sum benefit.
  • Disability and retrenchment cover is payable monthly – up to six months.
  • Grocery annuity benefit is payable monthly over six months.

Value for life

The Defender Life plan provides you with a variety of benefits. As long as you pay your premiums, you enjoy access to a range of services and discounts that you can use in your everyday life. You, your life partner, dependent children and domestic worker have access to the following benefits:

  • Funeral support services.
  • Trauma, assault and HIV services.
  • Legal services.
  • Personal health advisory services.
  • Discount on magazine subscriptions, luxury busliner tickets, movie tickets and prepaid airtime as well as CDs and DVDs.

For more information, please contact us.


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Striker Life Plan

Defender Life Plan
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