Ensure your family and loved ones are financially secure in the event of your passing. With our life cover, you can rest easy knowing they will be provided for.
Life cover ensures your financial responsibilities are taken care of in the event of your death. It replaces the income you would have earned during your working life, ensuring your family is financially secure.
Discuss the benefits of life cover with a financial adviser. It’s advisable to buy life cover early because you never know when you’ll need it, and it becomes more expensive as you age. If anyone depends on your income, you should consider taking out life cover as soon as possible. For example, married couples often rely on two incomes for their expenses. If one spouse dies, the other would need to cover those expenses alone.
To determine how much life cover you need, calculate the portion of your income your family would need if you were to pass away. Next, calculate the lump sum that will generate this income until your planned retirement age, taking inflation into account. You can select life cover amounts ranging from N$100,000 to N$5 million.
With life cover, your loved ones are protected, allowing you to enjoy moments together without worry.
Imagine the freedom of knowing your family is financially secure. Life cover from Momentum provides this assurance, helping you live fully today.
Momentum’s wide range of mortality benefits offers flexible, comprehensive, and cost-effective protection in the event of death and include a range of features such as Immediate Cover, Free Cover, Instant Cash, Terminal Illness, and Premium Guarantee Term Extender.
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.
Affordable Life Cover That Saves You Money
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.
At Momentum, our primary goal is to pay valid claims. Our clear and comprehensive risk benefit definitions demonstrate our commitment to delivering reliable claims outcomes for our clients. This dedication is reflected in our impressive track record, with over N$65 billion paid out in risk claims over the past 20 years.
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.
© 2026 Momentum Group
