What happens after a tragedy? help your family live with dignity after an accident or death with cash payouts, a cash back bonus, continued coverage and cash for groceries.

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Here's the deal

Up to R30 000 death cover*

  • If you or your spouse dies get up to R30,000 cash, and up to R12,000 if a child passes away.

Up to R100,000 accident cash*

  • When you’re injured in an accident and hospitalised, get R1,000 per day for up to 100 days.

Family cover*

  • Your partner is already covered at no extra cost. Got kids? Easily activate child cover.
  • Looking after extended family? We cover additional dependants too.

Get a cash back bonus*

  • Get your first year’s payments paid back to you after four years, whether you’ve claimed or not.

Get R3,000 for groceries

  • Receive R1,000 a month for three months if you or your spouse pass away.

Get two years of cover for your spouse

  • Your spouse is covered for two years after the main member passes away.

Do you qualify?

To qualify, you must:

  1. Earn over R4,000 per month
  2. Have a South African ID.
  3. have a South African bank account.

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* Insurance benefits are underwritten by Santam Structured Life Limited (Reg no: 2002/013263/06).

Take the next step

Want this deal? Have any questions? Enter your details here and we'll call you right back.



Helpful hints:

  • The follow-up call usually takes 10 to 15 minutes.
  • We respect your privacy, and will never share your contact details.
  • Want to jump the queue? Call us at 0861 990 000 during office hours.

Product Details

*About your insurance benefits

  • Your insurance benefits are underwritten by Centriq Insurance Company Limited (1998/007558/06).
  • Child cover allows you to add up to five children.
  • You must be the legal guardian of your children, they must be financially dependent on you and under the age of 21 to qualify for child cover.
  • You can add up to three additional dependants.
  • Additional dependants must be legally related to you and financially dependent on you to qualify.

About death cover

  • This is not a funeral policy.
  • There is a six-month waiting period for death caused by natural causes and a twelve-month waiting period for death caused by an HIV/AIDS related illness.
  • There is no waiting period for death caused by accidents.
  • We don’t cover pre-existing conditions. For example, if you have hypertension before taking out this product, and you die of a stroke, you won’t be covered.
  • For more information about pre-existing conditions read our Policy Terms and Conditions

About accident cash cover

  • This is not a medical scheme and the cover is not the same as that of a medical scheme. This policy is not a substitute for medical scheme membership.
  • You are covered for accidents and injuries that result in hospitalisation.
  • There are no waiting periods and you are covered from your first successful payment.
  • This accident cash benefit pays out from day one (after one full day) in hospital.
  • This accident cash benefit is for accidental injury only, not illness.
  • If you are admitted to hospital and have another accident or illness product with us, your maximum payout will be R3,000 per 24-hour day.
  • About your cash back bonus, groceries benefit and two years of cover for your spouse
  • The cash back bonus, groceries benefit and two years of cover are dependent on your death cover claim being approved.
  • The two years of cover for your spouse requires that your spouse is covered under this policy, as an additional dependent, at the time of your death.
  • Your first year’s payments will be paid back to you after 48 consecutive successful debits.

General information

  • Your membership is active from your first successful payment. If any of your monthly payments fail, you will not be able to access your benefits and your waiting periods will reapply.



The Unlimited is an Authorised Financial Services Provider (FSP No. 21473). Address: 1 Lucas Drive, Hillcrest, Durban, South Africa.

The Unlimited abides strictly by the Financial Advisory and Intermediary Services (FAIS) Act of 2002


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