Protect Your Greatest Asset – Your Ability to Earn.
Disability cover is a crucial part of your life insurance portfolio, designed to safeguard your ability to earn an income. It provides financial protection against the risk of permanently losing your income due to illness or injury and helps cover the additional costs associated with living with a disability.
Our claim definitions are unsurpassed in the market. The benefits offer objective impairment and illness definitions for certainty in the claim assessment process, as well as the best elements of disability income benefits.
Disability cover is a type of insurance that provides financial support if you become unable to work due to an illness or injury. This coverage ensures that you continue to receive an income or a lump sum payment, helping you manage your expenses and maintain your standard of living during difficult times.
Disability cover benefits are tailored to your individual needs.
It is available both as a lump sum pay-out and in the form of monthly payments through income protection products. It’s important to consider whether you will choose one over the other, or a combination of both.
Lump sum products pay a single amount in the event that you are permanently unable to work. This amount must be sufficient to fund your lifestyle for the rest of your life.
A combination of lump sum and monthly income benefits is generally recommended, depending on your particular situation and affordability.
Personalised disability cover premium discount of up to 35% with LifeReturns®.
Momentum’s LifeReturns® offers straightforward, powerful savings on your life insurance premiums. Save up to 35% on your monthly premium with a personalised discount, without the hassle of complex procedures. Using a smartphone-based digital screening process that takes just 90 seconds and a brief questionnaire, you can secure significant discounts on your premiums.
Protect yourself with Momentum’s range of disability benefits, featuring built-in functional impairment coverage.
Choose from tailored lump sum disability benefits that provide a tax-free lump sum in the event of permanent disability.
For lifetime coverage, convert your lump sum benefits to our Functional Protector or Complete Functional Protector Benefit at the expiry age, allowing you to receive up to 100% of your cover amount monthly for life if you become severely impaired.
At Momentum, we reward you for your resilience and longevity. Our Unique Longevity Protector Benefit offers ongoing funds if you survive a qualifying critical disability claim, ensuring financial support during challenging times. Additionally, we provide a lump sum payment at age 80, even if you’ve never made a claim, celebrating your milestone and enhancing your financial security. Experience peace of mind with comprehensive protection designed to support you throughout your life.
Enjoy peace of mind with immediate coverage as soon as your policy is accepted, even before the first premium payment is made.
A life insurance policy with a premium guarantee ensures your premium payments remain unchanged throughout the policy, providing financial stability and predictability. Momentum goes further with our Premium Guarantee Term Extender. This free feature extends your premium guarantee term by one year for every two qualifying increases in premiums or benefits. This effectively doubles the initial guarantee term, making Momentum’s premium guarantees the longest in the market.
Free Cover is included for all stand-alone and additional benefits if you didn’t set a future start date, or if Momentum brought the start date forward. Momentum will cover any valid claims if the event happens on or after the policy acceptance date.
Momentum offers an Instant Cash feature on its Death Benefit and Estate Provider Benefit, paying a portion of the benefit within one working day of submitting a death claim, after deducting any debt. Currently, this amounts to 10% of the benefit, capped at N$ 50,000 per insured life. The balance is paid upon claim approval, provided the insured life dies more than two years after the benefit start date. This two-year period resets with any benefit restart or increase. All required documents must accompany the claim, and the Instant Cash does not validate the claim’s acceptance. If the claim is denied, the Instant Cash must be returned. Instant Cash is only paid if a beneficiary is designated; otherwise, the full amount goes to the estate.
A life insurance policy with a premium guarantee ensures your premium payments remain unchanged throughout the policy, providing financial stability and predictability. Momentum goes further with our Premium Guarantee Term Extender. This free feature extends your premium guarantee term by one year for every two qualifying increases in premiums or benefits. This effectively doubles the initial guarantee term, making Momentum’s premium guarantees the longest in the market.
In 2022, we honoured our commitment to our clients by paying N$500 million in lump sum disability claims. Notably, our largest disability claim payout was N$15.7 million, demonstrating our dedication to supporting our clients in their time of need.
Disability cover compensates you if you cannot work and earn an income due to an illness or injury. It covers expenses related to your disability, such as modifications to your home or car and medical costs not covered by your medical aid. It’s a proactive step toward securing your financial future.
Life cover, on the other hand, ensures your loved ones are financially provided for in the event of your death. With Momentum, you can have both disability cover and life cover to ensure comprehensive protection.
Find the right life insurance cover option for your specific needs. Our range of life insurance solutions offer choice and flexibility to suit your current life stage.
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