Life insurance
Our comprehensive and efficient range of life insurance benefits are backed by the Out of the Ordinary experience you’ve come to expect from us.
You were made to do the impossible. To turn a tide, raise a roof, or raise hell. You were made for the big and the small moments, to live each of them to the fullest.
That's why you need flexible life insurance policies that support you at every stage of your journey. Investec Life was made for you, not only for payouts on death, but with generous living benefits focused on helping you defy the odds and recover from illness or injury.
Access tailored life insurance solutions to protect what’s most important to you. From life and funeral cover, to income, illness and disability cover - to protect you, your loved ones, and your busines.
Life is unpredictable, but your financial security shouldn’t be. Whether you’re faced with illness, injury, disability, or loss of income, your cover is there to help you recover, rebuild, and keep living the life you’ve worked hard for.
Our seamless online application process takes the hassle out of getting cover. No endless, standardised paperwork - just a smarter, faster way to protect what matters most.
The video on this page contains factual information and should therefore not be regarded as financial advice.
Protect your income and lifestyle
Severe Illness Cover
Recover without financial shortfalls
If you are diagnosed with a severe illness like cancer, a stroke or heart attack, you need the breathing room to recover. Protect yourself against financial shortfalls – even from future unknown illnesses – and any treatment costs not covered by your medical aid.
Disability Cover
Enabling your lifestyle adjustment
When the unexpected happens and you’re forced to adapt, financial worries should be the last thing on your mind. We will pay you a lump sum to help you cover expensive rehabilitation or changes to your home and lifestyle so you can focus on recovery.
Income Protection Cover
Pays you a salary while you recover
Protect your ability to earn an income if you are unable to work due to an illness or injury. Income Protection Cover helps you meet monthly financial commitments with cover of up to 100% of your net of tax income. You are also protected for both temporary and permanent disabilities.
Business Overheads Cover
Keep your business going when life pushes pause
They say running a business is like raising a child – it needs constant care and attention to grow. When you’re unable to work due to an illness or injury, we will cover up to 100% of your business’s fixed expenses while you recover.
LifeStarter
Complimentary life insurance
As a young professional banking with Investec, you get R25,000 complimentary life insurance through LifeStarter until you turn 30. This benefit covers illness, disability or death – no fees, no obligations, no monthly premium.
Severe Illness Cover
Recover without financial shortfalls
If you are diagnosed with a severe illness like cancer, a stroke or heart attack, you need the breathing room to recover. Protect yourself against financial shortfalls – even from future unknown illnesses – and any treatment costs not covered by your medical aid.
Disability Cover
Enabling your lifestyle adjustment
When the unexpected happens and you’re forced to adapt, financial worries should be the last thing on your mind. We will pay you a lump sum to help you cover expensive rehabilitation or changes to your home and lifestyle so you can focus on recovery.
Income Protection Cover
Pays you a salary while you recover
Protect your ability to earn an income if you are unable to work due to an illness or injury. Income Protection Cover helps you meet monthly financial commitments with cover of up to 100% of your net of tax income. You are also protected for both temporary and permanent disabilities.
Business Overheads Cover
Keep your business going when life pushes pause
They say running a business is like raising a child – it needs constant care and attention to grow. When you’re unable to work due to an illness or injury, we will cover up to 100% of your business’s fixed expenses while you recover.
LifeStarter
Complimentary life insurance
As a young professional banking with Investec, you get R25,000 complimentary life insurance through LifeStarter until you turn 30. This benefit covers illness, disability or death – no fees, no obligations, no monthly premium.
Protect your family
Life Cover
Let your legacy be their future
Even in your absence, you can ensure your loved ones live an extraordinary life, enabling them to maintain their lifestyle, assets and aspirations. To make things easier, we’ll pay your family up to R100,000 within two business days while we assess the claim.
Funeral Cover
The freedom to honour life
Ease the burden on your loved ones by ensuring they’re able to cover funeral costs quickly. With Investec Life, a single Funeral Cover benefit covers up to 10 people and pays out within two business days of receiving all required documents.
Enhanced Mortgage Protection Cover
Get your first three premiums at no cost to you
Enhanced Mortgage Protection Cover will settle your home loan in the event of your passing, or if you suffer from an illness or injury that leaves you permanently disabled. Our first to market cover is specifically designed so that you only pay as long as you need it, saving you up to 50% in premiums over the term of the policy.
Life Cover
Let your legacy be their future
Even in your absence, you can ensure your loved ones live an extraordinary life, enabling them to maintain their lifestyle, assets and aspirations. To make things easier, we’ll pay your family up to R100,000 within two business days while we assess the claim.
Funeral Cover
The freedom to honour life
Ease the burden on your loved ones by ensuring they’re able to cover funeral costs quickly. With Investec Life, a single Funeral Cover benefit covers up to 10 people and pays out within two business days of receiving all required documents.
Enhanced Mortgage Protection Cover
Get your first three premiums at no cost to you
Enhanced Mortgage Protection Cover will settle your home loan in the event of your passing, or if you suffer from an illness or injury that leaves you permanently disabled. Our first to market cover is specifically designed so that you only pay as long as you need it, saving you up to 50% in premiums over the term of the policy.
Protect your business
Contingent Liability Cover
Release of personal guarantor liability
Settles loans taken out by a business where the owner has signed personal surety for the debt. It removes the risk of debt being paid from the signatory’s personal estate and enables continued operating without the burden of loan obligations.
Keyperson Insurance
Insuring business continuity
If a keyperson passes away or becomes permanently disabled, this insurance helps the company meet its financial obligations until an appropriate replacement is found.
Buy and Sell Agreements
Shareholder buyout certainty
If a shareholder dies or is permanently disabled, Buy and Sell Agreements regulate the purchase of that partners interest in the company – bringing certainty to both the dependents and the remaining shareholders of the company.
Contingent Liability Cover
Release of personal guarantor liability
Settles loans taken out by a business where the owner has signed personal surety for the debt. It removes the risk of debt being paid from the signatory’s personal estate and enables continued operating without the burden of loan obligations.
Keyperson Insurance
Insuring business continuity
If a keyperson passes away or becomes permanently disabled, this insurance helps the company meet its financial obligations until an appropriate replacement is found.
Buy and Sell Agreements
Shareholder buyout certainty
If a shareholder dies or is permanently disabled, Buy and Sell Agreements regulate the purchase of that partners interest in the company – bringing certainty to both the dependents and the remaining shareholders of the company.
Life insurance, made for you.
Whether you’re starting out in your career, building a business, or supporting a growing family, we have comprehensive life insurance solutions to help you protect what matter most.
For young professionals
Get complimentary cover when you bank with us
Start early. Affordable cover for severe illness or disability in your 20s, ensuring you're protected when it matters most.
For business owners
Protect your business's financial integrity
Life insurance solutions for shareholders, partners, or key employees, helping ensure continuity.
For young professionals
Get complimentary cover when you bank with us
Start early. Affordable cover for severe illness or disability in your 20s, ensuring you're protected when it matters most.
For business owners
Protect your business's financial integrity
Life insurance solutions for shareholders, partners, or key employees, helping ensure continuity.
Made for living
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Investec Life insights
Investec Life brings you a new perspective on protecting your life, income and lifestyle – empowering you to safeguard yourself and your loved ones by making informed financial planning decisions.
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