Life insurance

Life Cover, without the babble.

A lump sum for the people who depend on you, when they need it most.

Life cover pays a lump sum to the people who depend on you if you pass away — so the home loan gets settled, the children stay in school, and your family keeps the life you've worked to build. It's one of the most important financial decisions you'll make on their behalf.

Ample compares life cover across South Africa's leading life insurers — Old Mutual, Sanlam, Discovery, Momentum and more — and helps you choose the right amount of cover and the right structure, with honest advice and no jargon.

What Life Cover covers

Lump-sum death benefit

A tax-free cash payout to your nominated beneficiaries when you pass away.

Debt settlement

Enough to clear your home loan, car finance and other debts so your family isn't left with them.

Income replacement

Cover sized to replace your income for the years your family would need it.

Children's education

Provision for school and university fees so your kids' future is secure.

Add-on benefits

Optional disability, critical-illness and accidental-death cover on the same policy.

Whole-of-life or term

Cover for a set period or for life — structured around your goals and budget.

Who life cover is for

Anyone with a spouse, children or dependants
Homeowners with a bond to protect
Business owners and breadwinners
Parents wanting to secure school and university fees

Life Cover FAQs

How much life cover do I actually need?

A good starting point is enough to settle your debts, replace your income for several years, and fund big future costs like education. We work it out with you properly rather than guessing — too little leaves a gap, too much wastes money.

Is the payout taxed?

Life cover payouts to beneficiaries are generally tax-free in South Africa, though estate duty can apply depending on how the policy is structured. We'll help you set it up correctly.

What's the difference between life cover and funeral cover?

Funeral cover is a small, fast payout for funeral costs. Life cover is a much larger lump sum to support your family long-term. Most families benefit from both.

Will I need a medical exam?

It depends on your age and the cover amount. Smaller amounts may need only a few health questions; larger amounts may require medical tests. We guide you through it.

This page is general information, not financial advice. Cover varies by policy and provider — your dedicated Ample broker tailors it to your needs.

Get a personalised quote

Let’s prove our reliable insurance cover.

Tell us a little about what you need and your dedicated broker will be in touch — usually within one business day. No bots, no pressure.

Call us0861 112 466
Email usinfo@ampleinsurance.co.za
Office hoursMon–Fri, 08:00–16:30