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page.keywordsLife insurance, Life cover, Disability insurance, Disability cover, Income protection, Critical illness cover, Impairment insurance
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Disability cover

If you were unable to work because of an illness or injury, how would you pay for your expenses? Get a disability cover online quote to protect your biggest asset – your ability to earn an income.

  • Replaces your income.
  • Pays for home or car premium or even groceries.
  • Pays for expenses caused by the disability, like altering your vehicle or home.

What is life and disability cover?

Compensates you if you're unable to work and earn an income because of an illness or injury.

Disability cover ensures that you’ll continue to have an income, even if you're no longer able to work due to illness or injury. It provides for expenses that occur because of the disability suffered, for example, alterations to your vehicle or home. It isn’t just about planning for the worst to happen. It’s a positive step toward protecting your financial future.

How much disability cover do I need?

Disability cover benefits are tailored to your individual needs.

It is available both as a lump sum pay-out and in the form of monthly payments through income protection products. It’s important to consider whether you will choose one over the other, or a combination of both.

Lump sum products pay a single amount in the event that you are permanently unable to work. This amount must be sufficient to fund your lifestyle for the rest of your life.

A combination of lump sum and monthly income benefits is generally recommended, depending on your particular situation and affordability.

We’re keeping our promises, and paying on our promises

COVID-19 has caused devastation for many people, and the risk of dying, becoming critically ill or disabled can have an equally negative impact on peoples’ lives. Having the support of a sound partner that provides claim certainty for our clients has never been more critical than now.

  • In 2020 we paid R486 million in disability claims.
  • The largest disability claim payout was R19.6 million.
  • Most disability claims were paid to clients aged 50 to 59 years.

Want to know more?

Claims and payouts

When doesn't it pay out?

If the person insured is not totally and permanently unable to perform the normal duties of his/her own occupation.
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.


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?

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 age 65 or 70 years, or for a specific term (of which five years is the minimum and 20 years is the maximum), after which he/she has the option to convert the disability cover to functional protector cover.
Can I increase or decrease my cover amount?

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

Additional benefits

You can add this benefit to your disability cover.

Discuss the advantages of taking out this additional benefit with a certified financial planner.

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Longevity Protector™ disability benefit

Pays 10% of the lump sum disability benefit pay-out every 5 years over the term of the benefit (typically to age 65 or 70 years). If you never claim, the unique Longevity Enhancer pays 20% of the disability benefit when you reach age 80.

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Momentum Multiply rewards and discounts

Your benefits don’t just add up – they Multiply

As a Momentum Multiply member, you'll get cashbacks and save up to 60% on your life insurance monthly premiums.

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.

Contact Momentum
life insurance

Client service and policy alterations

Business hours are Monday to Friday from 08:00 to 17:00. Closed on weekends and public holidays.


[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

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

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