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Why HIV testing is crucial

HIV testing is a crucial requirement when securing a life insurance policy. Undergoing this test ensures that you receive the full coverage for which you have applied, providing your loved ones with the financial protection they deserve. Failure to complete the test will result in your policy automatically converting to Accidental Cover, meaning you will only be insured for accidental incidents and not for natural causes. Completing the test is a straightforward yet essential step to ensure that your policy offers comprehensive protection when it is needed most.

Benefits

Stable Premiums

With Old Mutual Life Insurance, your premiums remain unchanged for the first 23 months of your policy, providing financial stability and predictability. This means you won’t experience unexpected cost increases during this period. After 23 months, your premiums will increase by only 5% annually, ensuring gradual, manageable adjustments while maintaining your valuable cover.
Unlimited Beneficiaries

Unlike some policies that limit the number of beneficiaries you can include, Old Mutual allows you to add as many beneficiaries as you wish. This flexibility ensures that all your loved ones can benefit from your life insurance payout, giving you peace of mind that your financial support will reach those who need it most. You also have the freedom to adjust or update your beneficiary list as your circumstances change.
Flexible Cover Options

Old Mutual Life Insurance offers cover amounts ranging from R500,000 to R3 million, allowing you to select a level of cover that aligns with your financial responsibilities and future planning. Whether you need a smaller policy to cover immediate expenses or a larger sum to secure your family's long-term financial well-being, you can tailor your policy to suit your specific needs and budget