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.