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Enhanced Mortgage Protection Cover

Get your first three premiums at no cost to you

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Mortgage protection insurance for your home loan 

Your home loan is a meaningful part of the wealth you’re building. It’s a place where families are raised, and memories are made. Isn’t that something worth protecting?

If something happens to you, conventional life cover can settle the bond, but the payout usually goes through your estate or a nominated beneficiary first, which can delay settling the loan, while interest and repayments continue. Enhanced Mortgage Protection Cover settles your home loan directly with the bank, so your family keeps the home without unnecessary costs or delays. Read more.

Our first to market cover settles the outstanding balance on your home loan if you pass away or suffer from an illness or injury that leaves you permanently disabled.  

How it works
First three premiums at no cost

Investec Bank Limited will cover your first three premiums with Investec Life. Thereafter, your monthly premium will be debited from your nominated bank account.  

Save in the long run

Cover and premiums auto-adjust every month, saving you up to 50% over the term of your policy compared to traditional life insurance policies on the market.

Get cover in minutes

Applying is an easy digital-only process, and most clients do not require medical testing. You can get a quote or apply online through Investec Online or the App today.

Enhanced Mortgage Protection Cover Brochure PDF 1.1 MB

The video on this page contains factual information and should therefore not be regarded as financial advice.

Get a quote or apply now

If you are an Investec Private Banking client, you can get a quote or apply for our life insurance solutions via Investec Online or the Investec App. Simply navigate to the "Insure" tab in the main menu to get started.

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FREQUENTLY ASKED QUESTIONS

Enhanced Mortgage Protection Cover offer

Because you have a home loan with us, Investec Bank Limited will cover the first three premiums on your Enhanced Mortgage Protection Cover with Investec Life, leaving you to focus on what matters most – creating memories with those who make your house a home.

  • What is the offer?

    If you have an Investec Private Bank Home Loan, you qualify to get your first three consecutive premiums on a new policy at no cost to you. This means that the first three premiums on your Enhanced Mortgage Protection Cover policy will be funded by Investec Bank Limited. Thereafter, your monthly premium will be debited from your nominated bank account.

  • How do I qualify for this offer?

    If you have an existing Investec Private Home Loan (IPHL) or if you are taking up a new IPHL, you qualify to get your first three consecutive premiums on a new policy at no cost to you. An IPHL that has previously been linked to any policy which was either cancelled or lapsed would not qualify for this offer.

  • Will I need to apply for cover?

    Yes, in order to access this offer, you will need to apply for Enhanced Mortgage Protection Cover with Investec Life. Cover is granted subject to underwriting.

  • When do I start paying a monthly premium?

    Investec Bank Limited will fund the first three consecutive premiums of your Enhanced Mortgage Protection Cover policy, at no cost to you. You will only start paying from the fourth premium collection date.

  • What will my monthly premium be?

    Your monthly premium will be confirmed once you have completed the application process. Cover is granted subject to underwriting.

  • Am I able to cancel this policy?

    Even if you apply for Enhanced Mortgage Protection Cover during the offer period, you can cancel this benefit at any time by contacting Investec Life.

  • What if I already have Mortgage Protection Cover?

    This offer is not applicable to existing Mortgage Protection Cover policies.

  • Is Enhanced Mortgage Protection Cover mandatory for Investec home loans?

    No, Enhanced Mortgage Protection Cover is an optional benefit that will ensure your home loan is appropriately protected.

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Statutory information and disclaimer

Investec Life Limited, a member of the Investec Group, is a licensed Life Insurance Company (Reg.No. 1944/017130/06) and an authorised Financial Services Provider (FSP number 47702).

With the Protection of Personal Information Act in effect, please take a moment to review Investec’s Data Protection Statement so that you understand how Investec processes your personal information and the rights you have in relation to your personal information

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Statutory information

Investec Life Limited, a member of the Investec Group, is a licensed Life Insurance Company and an authorised Financial Services Provider (FSP number 47702). Terms and conditions apply.