Auto & General Life Insurance Review

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Auto & General Life Insurance at a Glance

Auto & General Life Insurance at a Glance

  • Expo-sure at no additional cost.
  • Obtaining an online quotation is an easy and straightforward process.

What we like:

Auto & General’s unique solutions are geared to the needs of the insured and their dependents. For example, the terminal disease benefit is included with Life Cover insurance at no extra cost to the policyholder. The life insurance policy will pay out the entire face value if the insured is diagnosed with a terminal disease with a prognosis of fewer than 12 months.

Best for:

Auto & General life insurance product is best for South Africans who are looking for a life insurance package that offers them the liberty to choose from a wide array of life insurance products. Individuals over 65 will also find Auto & General life insurance suitable. 

  • Wide range of life insurance options to choose from.
  • Available life insurance products for people over 65.
  • Seamless quotation and claims process.
  • Recurring life insurance customers are not given discounts.
Table of Content

With its extensive choice of life insurance products, Auto & General strives to protect South African policyholders from everything that could happen. You may assure your loved ones that they will be financially secure in the event of your untimely death by purchasing life insurance from Auto & General. Expo-Sure is a benefit included in all life insurance plans that assists you and your loved ones in dealing with the financial and emotional consequences of unintentional HIV exposure.

The aim of this review is to provide you with a detailed and thorough analysis of the life insurance products offered by Auto & General. Our objective is to assist you in making informed decisions by evaluating whether these products align with your requirements and those of your family. Additionally, we will highlight the advantages and disadvantages of these products and share our opinions on what we find noteworthy about them.

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What Makes Auto & General Life Insurance Different?

Auto & General has over 30 years of expertise in providing customers with life insurance coverage that may be customized to their specific requirements and budgets. If you or a family member is inadvertently exposed to HIV, Expo-Sure is available at Auto & General to assist. The Expo-Sure product comes as an add-on to all the life insurance products at the company.  

Auto & General Life Coverage Options and Benefits

Auto & General Pure Life Cover

Auto & General Pure Life Insurance will financially protect your loved ones in the event of your death. Pure Life Insurance may pay out anywhere between R200,000 and R10,000,000 to up to ten recipients. It also allows for a R50,000 funeral payment to be paid to your dependents within 24 hours after submitting a valid claim. If you are diagnosed with a terminal disease with a prognosis of less than a year, your insurance company will pay you the maximum.

Auto & General Disablement Cover

Auto & General Disablement cover is a policy that will pay you a lump sum if you become disabled due to a disease or accident. It protects you against more than horrifying diseases and may assist you in replacing at least a portion of your income in the event of incapacity.

When looking for disability coverage via Auto & General, you have two options: occupational disability insurance and event disability insurance. Each of these plans will ensure that you and your loved ones receive benefits if you become incapacitated and unable to work. 

The occupation-based disablement product offers monetary compensation if you become completely and permanently unable to execute the obligations of your regular job. In contrast, under the event-based disablement product, the insured will get a portion of the guaranteed amount if they become disabled and match the policy’s set requirements. Blindness, arm or leg amputation, wheelchair confinement, and other ailments are covered eventualities.

Auto & General Dread Disease Cover

If you are diagnosed with an illness that prevents you from working and providing for your family, Auto & General’s Dread Disease Cover can assist you. This illness might cause anything from temporary or permanent blindness to organ failure. If you are diagnosed with a catastrophic illness or undergo a life-saving procedure such as a heart or organ transplant, the Auto & General Dread Disease Cover will cover a percentage of your policy value (between R50,000 and R4 million). The maximum dread illness payment does not affect your insurance levels, including pure life and disability.

Life Cover Options in South Africa

South Africans may select between two types of life insurance: term life insurance and whole life insurance. Before deciding on the best solution, many variables should be considered.

Whole life cover

It makes no difference whether you are 65 or 105; your coverage will continue in effect, and a lump sum payment will be made to your designated heirs when you die. Since coverage extends throughout your life, this kind of life insurance is known as “whole life cover.”

Because of the higher risk associated with your age group, your whole life premium cost may rise as you age. Your loved ones will be assured of a payment that increases in line with inflation.

Term life cover

Term life insurance charges consistent monthly payments in return for coverage for a certain period. Even though it is typically the cheapest choice, that does not mean it is the best. Consider a term life insurance policy that pays out until age 65. If you wish to retain your current level of coverage after reaching this age, you will need to get new insurance. It also implies that you would have spent money on insurance premiums without obtaining any benefits, which is a bad financial choice. Neither the level of coverage nor the rates will rise over time. This implies that the money you get may not be enough to keep up with the rising cost of living. If the insured dies, life insurance is intended to enable their loved ones to continue living in the same manner or at least to help them get out from under perplexing financial responsibilities. Depending on the terms of your term life insurance policy, this may or may not be feasible.

Life Plans

Unlike other types of insurance, life insurance is purchased largely for the benefit of someone other than the insured. It enables a family to continue living well even after the breadwinner has died by providing financial stability via several techniques. When a family member dies, they lose access to the financial assistance they had been used to. Upon the insured’s death, the life insurance policy pays the beneficiary or beneficiaries a lump sum. This helps alleviate the financial burden of losing a loved one. 

You have the authority to pick who receives the money, allowing you to assist those in genuine need. This might be one person or numerous people, and how the money is distributed is entirely up to you. The face value of the insurance is determined by your yearly earnings and the amount your dependents would need in the event of your death.

Life Insurance for Those Over 65

Those over the age of 65 can purchase a type of life insurance coverage known as “life insurance for individuals over the age of 65.” However, because of how life insurers evaluate risk, it may be difficult for persons over 65 to obtain life insurance, particularly if they purchase life coverage for the first time. This is particularly true for first-time life insurance purchasers. As a result, Auto & General makes it a point to make it simple for people over 65 to get this insurance coverage.

Terminal Illness Cover

Terminal Illness Insurance is included with Pure Life Cover at no additional cost rather than being sold separately. You may be eligible to collect the entire value of your insurance if you are diagnosed with a terminal disease with a life expectancy of less than one year while the policy covers you.

The terminal illness benefit is included in the Auto & General Life Insurance policy at no extra cost to the insured. Your coverage determines the amount you get; normally, this varies from R200,000 to R10,000,000.

Pricing and Discounts of Auto & General Life Insurance Products

Auto & General provides its customers with a wide range of solutions at reasonable pricing regarding life insurance. Customers may first choose an appropriate life insurance plan and submit a quotation request to get pricing information online. Auto & General does not offer a unique discount on any of its life insurance products, despite offering a large range of them.

Where Auto & General Life Insurance Can Improve

Auto & General may push the envelope to better serve its most loyal clients by offering discounts on life insurance premiums in exchange for continuous policy purchases or expansions. Since there are no reductions for returning clients, new and returning customers currently seem to pay the same amount.

How to Request a Quote for Auto & General Life Insurance

You can easily request a quote for Auto & General life insurance through the following processes.

  •       Visit the website and fill out the life insurance quote form

  •       Provide all your essential details in the form and submit it to receive your quote

  •       Alternatively, you can inquire by calling 0861 600 124.  

You can also request a free quote by providing your name and telephone details in the “Request a quote” tab on the “Contact Us” page. After submitting your information, a representative from the company will contact you by phone to discuss your quote further.

Frequently Asked Questions (FAQ)

Every life insurance policy includes an Expo-Sure add-on that pays out if you or a family member is accidentally exposed to HIV.

Life insurance is obtained to ensure your loved ones’ financial stability after your death. If your dependents rely financially on you, you must ensure they can continue living as they did before your death. Since you specified them as beneficiaries on your policy, they will receive a lump sum payment in the event of your death to assist with bereavement expenses.

Disability Cover insurance allows you to choose how much coverage you want, allowing it to be customized to your specific requirements. If you are fully and permanently incapacitated and unable to work, the Occupation-Based Disability Program may offer you compensation ranging from R200,000 to R10,000,000. Compensation may range from R50,000 to R10,000,000, depending on the degree of your condition and the amount of coverage you have. For example, one eye loss or permanent blindness would entitle you to 50% of the policy’s maximum payment.

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