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As a modern woman, we know that you have many people depending on you. And we get that it can be stressful worrying about what might happen to them when you’re no longer around. This is why at 1st for Women, we’ve put together a range of Life Insurance policies, specifically designed for women.
With our 1st for Women Insurance products, we'll do the worrying for you and make sure your loved ones are financially taken care of should you pass away.
Our Life Cover comes with loads of benefits specifically designed for women. You can add up to 10 beneficiaries onto your policy, get up to R10 million in cover, and best of all, your cover will never expire. Because we know that you’re busy, there’s no lengthy paperwork to slow you down. And should your circumstances change, like getting married or having a child, you can easily adjust your cover amount.
Live life to the fullest, knowing that your loved ones will be taken care of should something happen to you. Get a Life Insurance quote from 1st for Women today.
What is Life Insurance?
Life Insurance policies are there to provide financial protection to your loved ones in the event of your death. The beneficiaries listed on your policy will receive a lump-sum payment, which they can then use to continue living their lives as they were before your death.
Your loved ones are able to use the payout to help cover daily expenses, education fees, or outstanding medical bills. Allowing them to grieve their loss, without the added financial stresses that may come.
Life Insurance can be taken out no matter how young or healthy you are. In fact, the younger and healthier you are, the more cost-effective your Life Insurance premiums will be. You can think of Life Insurance as a risk management tool, rather than an investment.
Life Insurance from 1st for Women
We know that not every woman has the same needs, which is why we’ve included different covers that you can add on to your Life Insurance policy. This all depends on where you are in your life and your risk profile.
You can add extra cover to your life policy with All Woman Dread Disease Cover, which is specifically designed for women, standard Dread Disease Cover, and Disablement Cover, so you can continue to support yourself and your loved ones if you can no longer work. And, if you claim on any of these, it won’t affect your Life Insurance cover amount.
All Woman Dread Disease Cover
The love and support you give your family make you irreplaceable. That’s why we offer All Women Dread Disease Cover specifically designed for women, it covers you and your children for a wide range of woman-related and childhood cancers, like breast cancer, cervical cancer, ovarian cancer, uterine cancer, cancer of the fallopian tubes, choriocarcinoma, cancer of the vagina, cancer of the vulva, leukaemia, lymphoma, brain tumours, neuroblastoma, retinoblastoma, nephroblastoma, osteosarcoma, and rhabdomyosarcoma. You’ll also be covered for pregnancy complications and accidental HIV infection due to violent crime.
Our options range from R250,000 up to R1 million, so you get a tailor-made cover that is there for you when the unthinkable happens.
Dread Disease Cover
You can’t predict when illness may strike but you can be prepared for it. If you’re diagnosed with a severe illness such as cancer, are undergoing a major heart operation, or need an organ transplant, our Dread Disease Cover will pay you out a lump sum to help you cope with the financial burden. We’ll be your financial pillar during your greatest time of need, leaving you to focus on your health without the added worry.
Pure Life Cover
With 1st for Women’s Pure Life Cover Cover, you can get out there and live your life knowing your family will be taken care of if something were to happen to you. You can choose between 1st for Women Basic Life Cover and 1st for Women Elevated Life Cover, depending on how much money your loved ones will need if you were to pass away.
With the Basic cover option, a lump sum of up to R200,000 will be paid out to the beneficiary of your choice, whilst the Elevated cover option pays out from R200,000 upwards to the beneficiary of your choice. 1st for Women’s Pure Life Insurance covers you no matter what life stage you’re in, regardless of your age or current health situation.
You work so hard for yourself and your loved ones. If an accident were to happen and you became disabled, you deserve to have someone look after you. That’s why we offer Disablement Cover. If you become permanently disabled and can no longer work, we’ll pay out a portion of your Disablement Cover and it won’t affect your Life Insurance. We want you to feel supported and protected during the adjustment to your new lifestyle.
Who needs Life Insurance?
Not everyone may feel like they need to take out a Life Insurance policy, and we get that. Life Insurance is particularly important if you have anyone relying on you financially. Whether it’s your spouse, children, siblings, or parents. This is also true if you own a business and your employees or business partners are reliant on your income.
Life Insurance doesn’t simply put a monetary value on your life. It’s there to compensate for the inevitable financial costs of coming with the loss of life. It helps those left behind to cover the costs of final expenses, outstanding debts or bonds, planned educational expenses, and lost income. Life Insurance from 1st for Women can lessen the financial burdens at a time when surviving family members are dealing with the loss of a loved one. It also provides peace of mind for the policyholder, knowing that they won’t leave their loved ones behind without financial security.
Life Insurance is vital for not only the breadwinner of a single-income household but also for the stay-at-home spouse.
What life policy should you take out?
Like most things in life, there is no ‘one policy fits all’ type of Life Insurance. Everyone has different needs, and your needs will likely change as you go through the different stages in your life. When deciding on which life cover to take out, you need to consider your risk profile as well as your beneficiaries and how reliant they are on your income.
We’ll structure your policy according to your individual needs and requirements – including add-on policies, like Dread Disease Cover, where necessary.
You should note that the premium of your Life Insurance policy will depend on your specific risk profile, which factors in your age, gender, occupation, and current health.
When would a Life Insurance claim be rejected?
There are a few instances when a Life Insurance claim will be rejected. These instances include:
When the insured withholds information from 1st for Women at any stage.
When the death of the insured is by suicide within the first two years of taking out the policy.
When the insured dies as a result of the excessive consumption of alcohol and drugs or radioactivity and nuclear explosions.
Other exclusions – or conditions under which claims might be rejected – will also be listed in your policy schedule. Please ensure that you read through, and understand, these conditions.
Life Insurance quotes
We know that talking about Life Insurance isn’t always easy, as it involves thinking about death. But, taking care of the financial impact that your death may bring now, will make it easier for your family should the unexpected happen.
Making sure you and your family are looked after even when the unthinkable happens shouldn’t be a burden. That’s why you can get Life Insurance quotes with us online in minutes or through our call centre with one of our helpful consultants. Simply call 0861 11 16 67 or leave your details and we’ll call you back for a Life Cover quote specifically designed for women.