Instant4Life

Add a beneficiary to your policy so that we can pay directly to them. You can do this by calling our customer services team on 086 100 8482 or via email to support@vivalife.co.za.

In the event of your death, your beneficiary will need to contact us by emailing claims@vivalife.co.za or calling 086 100 8482. We will request the relevant documents, to ensure the claim is assessed efficiently.

We require notification of death within 90 (ninety) days of it happening, and the claim in writing within 6 months.

• That your premiums are up to date
• Correct and completed claims documents.

• If your beneficiary does not agree with our decision, they can ask us to look at it again within 90 (ninety) days of the date we communicate it, or contact the National Financial Ombud Scheme.

Premiums are payable in advance on the selected debit order date.

If you have any issues or questions about your cover, feel free to call us on 086 100 8482, or email us on support@vivalife.co.za to get more information on the policy.

We appreciate you as a client, so if at any point you are unhappy with our service or product, please contact us using the following:

• You must have a valid South African Identity Document.
• You must be over 18 and under 65 to be eligible for cover.
• We will not pay out if your death is as a result of suicide or a self-inflicted injury in the first 24 months of your cover.
• We will not pay out for a claim in your first 12 months that is caused by an illness or injury you knew about, or were treated or advised for, in the 12 months before your cover started.
• We will not pay out if your death is as result of deliberate involvement in an illegal act, riot, civil commotion, terrorist attack, or war.

Your cover begins as soon as we receive your first premium.

There is no waiting period. A claim in your first 12 months that is caused by an illness or injury you already had, and suicide in the first 24 months, are not covered (see Terms and Conditions).

10% of your cover, up to R50 000, is paid within 48 hours of us being notified of your death to help with final expenses. The rest is paid if the claim is approved.

If your policy has been in force for 24 months and a doctor confirms you are expected to pass away within 12 months, we pay 50% of your cover to you. The rest is paid to your beneficiary when you pass away.