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A woman's hand gesture of sign language to someone with a hearing impairment.

Impairment cover

If you become disabled, your life changes drastically. Proper financial support can ease the emotional impact on you and your loved ones. Functional impairment cover helps you maintain your lifestyle and ensures financial security when you cannot work.

Provides financial support for lifestyle adjustments like rehabilitation or alterations to your home or car.
Pays for ongoing costs like that of a private nurse or a frail care facility.
You could save up to 35% on your monthly premium with a personalised LifeReturns® premium discount.

Call me for a quote

Young mom and dad are walking in the park. The dad is carrying his son on his shoulders.

YOUR LIFE. YOUR DISCOUNT.

Save money on your life insurance premium

Get life insurance that helps you save every month. LifeReturns uses the latest technology to quickly and accurately assess your health risk factors to calculate your personalised life insurance premium discount.

Learn more

What is impairment insurance?

Provides financial support if you are diagnosed with a permanent illness or injury.

Protects you against the long-term financial impact of permanent illnesses or injuries such as paraplegia, blindness and dementia.

Cover starts at R100 000, and you can increase or decrease your premium whenever you want.

Claims are paid out to the policyholder, and payouts are tax-free.

Want to know more?

Claims and payouts

When doesn't it pay out?

Momentum will not pay a claim if the insured person is not permanently impaired and if they are not receiving, or are refusing, the medical treatment they could reasonably be expected to undergo according to current best practice medical protocols; and which could substantially improve or remove the condition being claimed for.

Who gets paid?

The benefit amount will be paid out to the policyholder.

How long does it take to pay out a claim?

We will pay out as soon as permanence is established.

Is my claim payment taxable?

No. This benefit is tax-free.

Premiums

How do you work out my premium?

The premium depends on the person insured's age, gender, smoker status, and health as well as the premium pattern chosen at the outset of the policy.

What if I skip a payment?

If you skip a payment, the policy won’t lapse as long as we receive a payment within the 30 days grace period.

Cover term and amount

Will the cover amount change over time?

If the person insured chose an increasing cover amount during the application process, the cover amount will increase annually and so will the policy premium.

How long am I covered for?

The person insured can choose how long he/she wants to be covered for up to retirement age 65 or 70 years.

Can I increase or decrease my cover amount?

Yes, the cover amount can be changed through an alteration process.

What is the minimum and maximum cover amount I can get?

Minimum: R100 000
Maximum: R25 000 000

Want a quote?

You’ll get a quote reflecting your premium amount at the end of the process.

Get an online quote

Need advice?

Discuss the benefits of having life insurance with a certified financial adviser.

Call me for a quote

Contact Momentum
life insurance

Sales

+27 11 505 1199

[email protected]

Business hours are Monday to Friday from 08:00 to 17:00. We're closed on weekends and public holidays.

Client service and policy alterations

0860 665 432

[email protected]

Business hours are Monday to Friday from 08:00 to 17:00. We're closed on weekends and public holidays.

Claims

0860 441 111

[email protected]
[email protected]
[email protected]

Please use the applicable email address above for your relevant claim type. If you send your claim documents to the incorrect email, your claim handling could be delayed.

International number:

+27 11 505 1552

Our business hours are Monday to Friday from 08:00 to 17:00. We’re closed on weekends and public holidays.

Other Momentum contacts

Impairment cover

YOUR LIFE. YOUR DISCOUNT.

Want to know more?

Premiums

Cover term and amount

Want a quote?

You’ll get a quote reflecting your premium amount at the end of the process.

Need advice?

Discuss the benefits of having life insurance with a certified financial adviser.

Critical illness cover

Disability cover

Income protection cover

Life cover

Contact Momentumlife insurance

Sales

Client service and policy alterations

Claims

Critical illness
cover

Disability
cover

Income protection
cover

Life
cover

Contact Momentum
life insurance