Site url:
Pagecontext: org.apache.jasper.runtime.PageContextImpl@934cc5fd
page.keywordsLife insurance, Life cover, Disability insurance, Disability cover, Income protection, Critical illness cover, Impairment insurance
Young man seated in a wheelchair, busy doing an online disability cover quote on his cell phone. He’s smiling because he knows he could qualify for up to a 35% discount on his monthly premiums with Momentum Life Returns.

Disability cover

Disability cover protects your biggest asset – your ability to earn an income. Disability cover is a vital benefit in your life insurance portfolio. It financially protects you against the risk of permanently losing your income if you suffer an illness or injury and covers the extra costs of living with the disability.

Calculate your personalised disability cover premium discount of up to 35% with LifeReturns® to save on your monthly premiums. LifeReturns® is a modern approach to calculating maximum discounts on your monthly disability cover premium using the latest digital technology to quickly and accurately assess your health risk factors that are used to calculate your monthly premium price.

  • Tailor your cover to suit your needs. Receive a lump sum payment, monthly payments or a combination of both.
  • Get your discounted disability cover quote in 3 minutes.
  • Save up to 35% on your monthly premium with a personalised LifeReturns® premium discount.
Young mom and dad are walking in the park. The dad is carrying his son on his shoulders.


Save money on your disability insurance premium

Get disability 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 disability insurance premium discount.

What's the difference between life and disability cover?

Disability cover compensates you if you cannot work and earn an income because of an illness or injury.

It provides for expenses that occur because of the disability suffered, for example, alterations to your car or home or covering medical expenses that your medical aid may not cover. It isn't just about planning for the worst to happen. It's a positive step toward protecting your financial future.

Life cover gives you peace of mind that your loved ones will be financially provided for in the event of your death. You can take out both disability cover and life cover with Momentum.

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.

Disability cover 2022 claims stats

Having the proper financial support is everything when the unthinkable happens.

  • In 2022 we paid R500 million in lump sum disability claims.
  • The largest disability claim payout was R15.7 million.
  • The largest number of claims were cancer-related in both women and men.

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.

Disability benefits

Discuss the advantages of taking out this additional disability benefit with your financial adviser.

Elderly man sitting at a table in café drinking a cup of coffee and looking out the window with a view of the shops in front of him.

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.

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


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

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.

We and our selected partners use cookies to enhance and personalise your experience on our website.Please see our cookie policy for more information.

To enhance your user experience on our site, learn more about our supported browsers

Your browser's cookies are disabled. Enable cookies to ensure our website functions correctly. View our Privacy Notice.

Tell us more!

We're always looking for ways to improve your online experience. Please take a moment to complete the
2-minute questionnaire.