Simply Life

You can add a beneficiary to your policy 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. If we are not informed within that time, the claim could be repudiated.

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

• We allow 90 (ninety) days from the date of the communication of our decision for your beneficiary or estate to question our decision on a claim.
• Should we repudiate the claim again and they wish to start a legal process or log a complaint with the National Financial Ombud Scheme, they will have an additional 180 days, after the 90-day period, to do so.

Premiums are payable in advance on the selected debit order date. Your premiums are subject to change, depending on the claims, expense and investment experience of Viva Life Insurance Limited. Premiums will increase annually by at least 6% on the anniversary of the policy.

We will communicate any changes in premiums to you with a 31-day notice.

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 years and not older than 59 years of age on your next birthday to be eligible for cover.
• We will not pay out if your death or disability is as result of deliberate involvement in an illegal act, riot, civil commotion, terrorist attack, or war.
• Your premiums will be monthly renewable and reviewable.
• If death occurs by accident or any non-natural cause, the full Sum Assured will be paid. If death occurs as a result of natural causes:
  • After 6 month and before 18 months, 50% of the Sum Assured will be paid.
  • After 18 months, and if 18 premiums were received, the full Sum Assured will be payable.

Life cover from Viva Life provides affordable and simple cover, giving you peace-of-mind that in the event of your death, your family or loved ones are protected against unexpected life expenses.

Simply Life offers you Life Cover, without the hassle of underwriting questions and medical examinations. Enjoy peace of mind and simplicity.

Cover begins once your application has been approved by the insurance company and your first premium due, has been paid.

Should you miss a payment for any reason, we will collect a double debit order the following month for up to a maximum of 3 months. If your policy lapse and you would like to reinstate and resume payments, waiting periods would reapply.

The proceeds from an insurance policy are not taxable because of their nature. The proceeds are of a capital nature and are therefore not taxable as income. All proceeds that are of a capital nature are subject to Capital Gains Tax. However, the proceeds from insurance are exempt from Capital Gains Tax.

There are no waiting periods if your death is as a result of an accident. However there is a 6-month waiting period in the event of death due to natural causes. After 6 months and before 18 months, 50% of the sum assured will be paid. After 18 months, and if 18 premiums were received, the full sum assured will be payable.

Your beneficiary can receive payment within 48 hours of the claim. Promptness of payment is dependent on the correct documentation being supplied to us.