Life Cover in South Africa
The people who depend on you rely on more than just your presence — they rely on your income too. Life cover makes sure that if the worst happens, your family or business has the financial support to carry on.
What life cover does
Life cover pays a benefit to your beneficiaries if you pass away — support that can cover living costs, settle debts, fund your children's education, or keep a business running. It's longer-term protection built around the people and things that depend on you.
Our life cover options
We help you compare and arrange life cover suited to your needs, underwritten by our product partners.
My Life Plus
Combined life and funeral cover in one plan — a simple, accessible way to protect your family on both fronts.
Learn more about My Life Plus →Lifestyle Protector
Comprehensive life cover for individuals and business owners who want broader, more tailored protection.
Learn more about Lifestyle Protector →Business Life Cover
Protect your business against the loss of a key person, fund a buy-and-sell agreement, or secure a business loan.
Learn more about Business Life Cover →Personal and business protection
Life cover isn't only about families. For business owners, it can keep a company stable when a key person is lost, fund the transfer of ownership between partners, or back the finance a business relies on. We help with both sides — personal and commercial.
Life cover FAQs
What is life cover?
How much life cover do I need?
Can life cover protect a business?
How do I arrange life cover with Excessible?
Life cover is underwritten by our product partners, including 1Life (FSP 24769) and Liberty (FSP 2409). Terms, conditions, underwriting and eligibility criteria apply. Benefit and premium details are confirmed at application — speak to us for current terms.