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

Today people are living longer. Life insurance covers you in the event of your death, but what about getting cover for outliving your retirement capital? You could become a burden on your loved ones when you run out of money. At Momentum we don't only cover you when you die, but also if you stay alive.

  • Protection against outliving your retirement.
  • Protection against the risk of living a long and expensive life without an income due to disability or critical illness.

What is Longevity Protector?

Be able to support yourself for longer - whether you're sick or healthy.

Medical advances have extended our life expectancy and, as a result, people are living longer. It's important that you have enough income to support yourself for longer.

A one-of-a-kind in the market, Longevity Protector Cover transfers the risk of you outliving your capital, whether you are critically ill, disabled, or simply living a long life. Longevity Protector Cover pays regular lump sum amounts as you reach various longevity milestones:

  • Staying alive 5 years after becoming critically ill or disabled and every 5 years thereafter, over the term of the benefits.
  • Reaching retirement, whether you have claimed or not (when combined with a qualifying retirement annuity).
  • Reaching age 80, if you stayed healthy and never claimed.

How does it work?

Simply add Longevity Protector Cover to your existing Myriad disability and/or critical illness benefits. Discuss the benefits of taking out Longevity Protector Cover with a certified financial planner.

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Longevity Protector™ - Critical Illness Benefit

Your cover will never run out, no matter how long you live. If you claim, in addition to the normal lump sum payment under your critical illness benefit, this benefit pays 10% of the critical illness benefit amount every 5 years for moderate to severe claim events. If you never claim, it will pay you 20% of the critical illness benefit at age 80, through the unique Longevity Enhancer.

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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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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.

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. We're 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

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

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