Rand Life Cover
Serving Africa. Supporting Africans Living And Working In South Africa
Mutual Life Africa’s Rand Life Cover provides up to R2,000,000 in life insurance for Zimbabweans, Malawians, Mozambicans, Nigerians, Congolese, and other foreign nationals living in South Africa.
“As an expat living far from home, Mutual Life Africa’s Diaspora Funeral Cover has provided me with incredible peace of mind. The USD‑based policy and fast repatriation benefits made everything simple and dignified for my family.”
We had to file a claim recently, and I was truly impressed by how quickly Mutual Life Africa handled it. Their professionalism and empathy made a difficult time easier — my family felt supported and honored.”
appreciate how this policy blends affordability with respect for our cultural traditions. The coverage options are clear, the process was easy, and I felt cared for every step of the way — even from thousands of miles away.”
Mutual Life Africa’s Rand Life Cover
Affordable Life Insurance for Foreign Nationals in South Africa
Mutual Life Africa’s Rand Life Cover is a South African Rand (ZAR) life insurance policy designed for foreign nationals, migrant workers, and expatriate families living in South Africa.
With cover of up to R2,000,000, this plan ensures your loved ones are financially protected against life’s uncertainties, whether they remain in South Africa or return to their home country.
Our policy provides long-term financial security, covering essential needs such as education, housing, healthcare, and daily living expenses — ensuring your family’s future is safeguarded, no matter what happens.
Mutual Life Africa’s Rand Life Cover
Why Rand Life Cover Matters for Foreign Nationals
For many Zimbabweans, Malawians, Mozambicans, Nigerians, Congolese, and other Africans working in South Africa, life abroad is built on supporting family both locally and back home. Without proper life insurance, an untimely passing can leave loved ones financially vulnerable.
With Mutual Life Africa’s Rand Life Cover, you can provide your family with a reliable lump-sum payout in South African Rand, offering peace of mind and financial stability during the most difficult times.
Key Benefits of Rand Life Cover
- Up to R2,000,000 life insurance cover.
- Premiums and payouts in South African Rand (ZAR) – no currency exchange risk.
- Eligibility: Ages 18 – 65 – for individuals, couples, and families.
- No medical exams for standard cover – fast and simple approval.
- Quick claims processing – payouts made within days.
- Affordable monthly premiums – designed for migrant workers and expat budgets.
- Family protection – extend cover to your spouse and dependents.
- Flexible options – choose cover levels to fit your financial goals.
Frequently Asked Questions (FAQs)
You’ll need proof of identity (passport or national ID), proof of residency, and basic medical information. Additional documents may be requested based on your application.
Applicants must be between 18 and 60 years old at the time of application.
No. We accept foreign passports, asylum documents, and refugee IDs. You do not need a South African ID or permanent residency to qualify.
Yes. Our Family Cover add-on allows you to include your spouse and up to 20 family members under one affordable plan.
Cover amounts range from R250,000 to R2,000,000, depending on your needs and affordability.
Your policy continues even if you relocate, as long as you continue paying your premiums. We serve clients living across Africa and abroad.
Your policy continues even if you relocate, as long as you continue paying your premiums. We serve clients living across Africa and abroad.
For most cover levels under R2 Million, no medical tests are required. You simply complete a health questionnaire during the application process.
Yes. You can cancel your policy at any time with no penalties. However, no refunds are issued for premiums already paid
⏳ What is a Waiting Period?
A waiting period is a specific amount of time that must pass after your policy starts before you can claim certain benefits — particularly for natural death (death due to illness or non-accidental causes).
🕒 Why Is There a Waiting Period?
Waiting periods are a standard practice in the insurance industry. They help protect the policy from being misused by individuals who may already be seriously ill at the time of applying. This allows Mutual Life Africa to keep premiums low and offer fair cover to everyone — including foreign nationals living in South Africa, expats, and locals.
✅ Types of Waiting Periods
1. Natural Death Waiting Period
- A 6-month waiting period typically applies from the start date of the policy.
- During this period, claims for death caused by illness or natural causes will not be paid out.
- However, your premiums still build your cover, and your policy becomes fully active after this period ends.
2. Accidental Death
- You are fully covered for accidental death from day one — there is no waiting period.
- If the policyholder dies due to an accident, the payout is made immediately, even if it happens the day after signing up.
📌 Important Notes
- The waiting period starts the moment your first premium is received.
- If you miss a premium during the waiting period and later resume, the waiting period may restart.
- For family members added to your policy (like spouse or children), the same waiting periods apply individually.
💬 Example:
If you purchase Rand Life Cover on August 1st and pass away due to natural illness on October 10th, the claim would not be paid, as this falls within the 6-month waiting period.
However, if you pass away due to a car accident on August 5th, the full benefit would be paid — because accidental death is covered immediately.
Life and Repatriation Cover for foreigners and locals in South Africa.
Mutual Life Africa’s Rand Life Cover is built for the foreign national community in South Africa, including:
- Zimbabweans living in South Africa
- Malawians living in South Africa
- Mozambicans living in South Africa
- Nigerians and Congolese in South Africa
- South Africans, African nationals, migrant workers and expatriates
Our cover is inclusive, reliable, and culturally sensitive, supporting the unique needs of African families abroad.