Islamic Family Funeral Cover. Futuristic thinking... September Essential Life, is an authorised financial services provider

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1 September 2013 Essential Life, is an authorised financial services provider Islamic Family Funeral Cover FSP License no: 42980

2 Naturally you don t want to burden your family with funeral expenses should you, or one of your loved ones pass away unexpectedly. The Essential Life Islamic Family Funeral Cover was designed to cater for the Islamic faith in which Sharia law requires burial on the same day, which is why valid claims are paid within 6 business hours providing all required documentation is received. Although claims are only processed during normal business hours, this product can remove the hassles associated with arranging finance which needs to be paid back at a later stage. Essential Life can offer you a fuss free solution by covering yourself, spouse, up to 6 children and extended family members with the Essential Life Islamic Family Funeral Cover. This is total peace of mind 24 hours a day, 7 days a week and pays out a lump sum of cash within 6 business hours to take care of your funeral expenses without having your loved ones sit with the financial burden. Quick claims turnaround time is of vital importance in order save you lots of effort and time. This product not only take care of funeral expenses, but brings you fantastic value for money benefits that contributes positively towards you, our client. Essential Life Family Funeral Cover can assist with making the necessary funeral arrangements and take care of admin, and contribute towards your household electricity for a few months after an insured life has passed away. Basing your monthly premium on your chosen cover amount provides you with maximum flexibility to suite your needs and pocket.

3 Essential Life Islamic Funeral Cover: Cover for main member, spouse and up to 6 children. Main member entry age years of age. Minimum of R3, combined household income required to qualify. Cover amounts of R5,000.00, R10,000.00, R15, or R18, per life insured. Natural death waiting period: 7 Calendar months for adults 14 to 85 years of age & 1 calendar month for children under 14 years of age. Unnatural death waiting period: Covered from inception once first premium is paid. Pays valid claims within 6 business hours providing all required documents are received. Optional benefit to cover extended family members. Plan A: For Family Funeral Cover, Individual with/without children & Islamic Family Funeral Cover includes the following benefits: Emergency Medical Services, Trauma Counselling, Funeral Assistance, Legal Assist, Electrosure, Airtime Benefit, Personal Health advisor, Repatriation of Mortal Remains, and the Reality Programme. For 66-74, 75-85, includes the following benefits: Emergency Medical Services, Legal Assist, Funeral Assistance, Repatriation of Mortal Remains and the Reality Programme. Plan B: Excludes all additional benefits listed under Plan A and is a risk based funeral cover only. The below rate table with cover amounts and monthly premiums is all inclusive for a couple only or a couple including up to six children. Cover amount Premium per month Plan A Premium per month Plan B R5, R90.00 R46.00 R10, R R90.00 R15, R R R18, R R142.00

4 What else do I get? Emergency Medical Services. In the event of a medical emergency such as a heart attack, drowning, snakebite, gunshot wound or motor accident injury Essential Life can be contacted, 24 hours a day to arrange emergency medical assistance, anywhere in South Africa, Essential Life will dispatch a road or air ambulance. Personal Health Advisor. Personal Health Advisor is a revolutionary healthcare system offering access to a professional assistance service that deals with any health query 24 hours a day, 365 days a year. This service is offered in the majority of the official South African languages. The product includes: Emergency Medical Advice Assessing day-to-day symptoms Important health knowledge Drug database Poisoning Health Counselling Trauma Counselling HIV Assistance/education/information Trauma Counselling. Should you need assistance following a traumatic experience such as a death in the family, hijacking or serious illness, guidance and counselling will be provided 24-hours a day from experienced and caring counsellors. Essential Life offers telephonic counselling as well as face to face.

5 Funeral Assistance. In the event of a death in the family, Essential Life will assist the family with the arrangement of the funeral, assistance with death certificates, trauma counselling, R500 paid towards accommodation should the family need to identify the deceased. Repatriation of mortal remains. Should death occur away from home, a case manager will make all the arrangements in the event of death. Repatriation is arranged when the deceased s body is more than 100km from their place of residence, within South Africa. Legal Assist. Legal Assist is a 24-hour telephonic advice line manned by qualified and experienced attorneys who provide guidance and information on all legal matters. A 30 minutes free consultation with a lawyer will be included in this offering. Airtime Benefit. In the event of an insured event occurring, the surviving family is provided with: Airtime to the value of R250. Electrosure In the event of an insured event occurring, the surviving family is provided with: Electricity to the value of R250 per month for a period of 3 6 months is provided. Now you can enjoy peace of mind knowing that you and your loved ones are taken care of in every aspect.

6 Reality Programme. Reality offers a lifestyle and wellness programme for Essential Group clients called Essence, and aim to: Save you time and money on lifestyle purchases. Rewards you for healthy behaviour. Provides you access 24/7. Reality Programme. Reality offers a lifestyle and wellness programme for Essential Group clients called Essence, some of the benefits include: R30 for two 2D movies at Nu Metro cinemas - Easy SMS code system & redeem your movie ticket, saving of R70! 2 DVD s via SAPO for R99 15% off on any Virgin Active contract 20% off on any Planet Fitness contract 10% discount from Preggi Bellies Discounts at Pick n Pay clinics Discounts with Reality partners as per Reality website (www.reality.co.za) The following cover options are also available: Family Funeral Cover Individual with/without children Funeral Cover Funeral Cover Funeral Cover Funeral Cover Contact us now: Call us on Send us an Visit our website:

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