MAKE FINANCIAL FITNESS HAPPEN

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1 MAKE FINANCIAL FITNESS HAPPEN 3

2 UNIT 6 INTRODUCTION TO NEDBANK INSURANCE AND ASSURANCE PRODUCTS At the end of this unit, you will: understand the difference between insurance and assurance; and understand the different insurance and assurance products. Unexpected events, crises and disasters are a fact of life and there is never a good time for them to happen. Whether it is a family issue, like the death of Lerato s father, or an event that affects several people, such as natural disasters, Nedbank Group Life offers a number of insurance and assurance products that can help you protect yourself and your family from the unforeseen. 54

3 FINANCIAL FITNESS NEDBANK INSURANCE AND ASSURANCE PRODUCTS WHAT IS THE DIFFERENCE BETWEEN INSURANCE AND ASSURANCE? Insurance products offer protection against mishaps or accidents and include such products as car insurance and personal liability insurance. This type of insurance is short-term in nature and the insured party can rest easy that they will be compensated in the event of loss. Assurance products guarantee protection against loss, such as loss of life or possessions, and include products like life cover and disability and health insurance. This type of assurance is long-term in nature. Let s take a look at the types of insurance and assurance products offered by Nedbank Group Life. 55

4 NEDBANK INSURANCE AND ASSURANCE PRODUCTS ASSET INSURANCE You work hard to afford the assets you own, and if they are damaged, destroyed or stolen, it could take a very long time to replace or repair them without short-term asset insurance. Nedbank Group life offers three types of asset insurance, set out below: Car insurance If you own a vehicle, it is wise to have vehicle insurance, as accidents and other disasters can easily strike. Whether you are liable or simply a victim of circumstance, having adequate cover means you ll be on the road again in no time. We cover private motor cars, motorcycles, boats, caravans, trailers and small watercraft. You can choose from several car insurance cover options, including comprehensive, thirdparty, fire and theft and third-party-only cover. We ll cover the costs of breakdowns, emergency repairs as well as replacing the keys and locks to your vehicle. We ll give you various car hire options should you need a replacement vehicle while yours is being repaired. You ll get access to home, road and medical assistance services 24 hours a day, all-year round. Home contents Fire, flood, theft any of these can damage or destroy your home s contents and being able to replace or repair them makes the impact of such an event easier to manage. Our household contents insurance covers the valuables inside your home such as your furniture, carpets and electronic devices. Our all-risks cover insures those items you take out of your home such as your clothing, sunglasses, briefcase or handbag. We can also cover the loss of important documents, the cost of data recovery should your computer crash or the cost of replacing your lost or stolen credit or debit cards. 56

5 Building insurance If you own a home, you know that a lot goes into maintaining it and making it a home. If disaster strikes, it can deal a blow to this effort, and building insurance is there to help. Our preapproved suppliers offer an efficient 24-hour claims service. Your premium is deducted by a direct debit against your bond, so you know you re always covered. We provide security guard cover at no extra cost. The sum insured is increased automatically, so your insurance always keeps up with inflation. You get R10 million in liability cover at no extra charge should someone claim from you as a result of an insured event. 57

6 NEDBANK INSURANCE AND ASSURANCE PRODUCTS LIFE ASSURANCE Your life is precious, and so are the lives of your family. If something were to happen to you, you would like to know they are taken care of, and Nedbank Group Life s suite of life assurance products will help you make sure they can carry on if you are unable to continue working or pass away. Life insurance Our options suit everyone whether you want a lump sum payout, a monthly income or cover for accidental death. Even if you re HIV positive or have another serious health condition, we fully underwrite all applications and we ll accept or decline cover based on an individual assessment. We price our products accurately for risk based on your specific lifestyle. You can customise your life insurance package by adding cover for funeral expenses for you and your family. Disability insurance Our range of lump sum benefits covers you whether you re fully or partially disabled or physically or functionally impaired. Our whole-life option gives you impairment protection long after you ve retired. Our Carer benefit pays you a monthly income for a specific term, which you can use to pay a caregiver. Accident and health insurance For accidental death and disablement you can choose your level of cover. If you re diagnosed with a critical illness, our insurance will help you make lifestyle adjustments and cover your bills. Travel insurance If you buy any kind of travel with your Nedbank credit card, you automatically get free basic travel insurance. Our basic insurance covers people who are between three months and 74 years old. You can top up your basic cover to increase your medical emergency expenses and extend the period of cover, as well as to include events such as baggage loss or delays. You can buy our comprehensive travel insurance even if you don t have a Nedbank cheque or credit card. 58

7 INCOME PROTECTION INSURANCE Whether you re the breadwinner in the family, or a young single person starting out in your career, losing your job can be a traumatic experience, and cause tremendous difficulty. Income protection helps you get through the tough times. Retrenchment protection You ll have peace of mind knowing that you ll have a source of income while you re looking for a new job. You won t incur further debt while you re unemployed. You ll still be able to take care of your family temporarily, even if you can t work. Disability cover You ll receive a monthly income if you become disabled as a result of an illness or accident and can t work. We ll pay you up to 75% of your normal income up to a maximum of R per year. 59

8 NEDBANK INSURANCE AND ASSURANCE PRODUCTS CREDIT PROTECTION As with income protection, if you are unable to work, whether through retrenchment, illness or temporary or permanent disability, it is good to know that your various credit obligations are covered with these credit insurance products. Credit card insurance You ll get peace of mind that your credit card debt will be taken care of so your family won t have to bear the financial burden. You can choose from two plans that have different cover limits: R or R It s quick and easy to apply, and you won t have to take any medical or HIV tests. Home loan/bond cover With our death benefit your home loan balance will be paid up to R1,5 million should you pass away. You can choose a bond insurance product that will either pay off the lump sum or pay your monthly instalments. We ll help you handle your debt so you can focus on your future. Overdraft cover If you pass away or are permanently disabled, we ll pay 10% of your overdraft balance for 10 months up to R If you re temporarily disabled, we ll pay up to six monthly instalments. If you re retrenched, we ll pay up to R so you can recoup some costs. Personal loan insurance If you pass away, we ll pay up to R to help cover your personal loan. If you are disabled, become critically ill or are retrenched, we ll pay your monthly instalments. You ll meet the compulsory requirement to have insurance with a Nedbank personal loan. 60

9 FUNERAL COVER Life is full of uncertainties, but one certainty is that you and your family will need to deal with funeral costs at one time or another. Nedbank Group Life s funeral cover helps you be prepared for this eventuality. Not only will your claims be processed and paid out quickly, but you will also have instant access to the Nedbank Value for Life programme, which provides support services to help your family organise a funeral. This means that we ll take care of the details so that you and your family don t have to. You can choose to cover yourself, immediate family members, extended family members and even your domestic workers. We ll pay out your valid claim within 48 hours of receiving the correct documentation. Funeral insurance payouts are tax-free. You won t have to take an HIV test to get funeral cover with us. Our Value for Life funeral support services give you access to transport and legal assistance, discounts on funeral packages and more. You ll also get instant accidental death cover from the date you pay your first premium. 61

10 Nedbank Limited Reg No 1951/000009/06. Authorised financial services and registered credit provider (NCRCP16). 70

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