Disability Insurance

from 1Lifedirect

You can add value to your life policy with 1Lifedirect's two additional products:

1Life Disablement offers you a choice between cover for:

• Disablement which leaves you medically unfit to work at your own or suited occupation

  • Occupation-based Disablement
    • pays a cash amount if you become permanently and totally disabled and cannot do your normal job or other work to which you are suited;
    • is a stand-alone benefit – so if this amount is paid out, your other life cover will not be affected;
    • is a level sum assured up to 5 years before you turn 65 or retire;
    • covers you immediately for disablement;
    • includes the option to increase your cover amount when your circumstances change.

AND

• pays out a percentage of your cover amount depending on the kind of disability you suffer e.g. if you go blind or lose an eye, you get 50 % of the amount, but if you become permanently blind in both eyes, a 100 % will be paid out;
   
• is a stand-alone benefit – so if this amount is paid out your other cover amounts will not be affected;
   
• covers you immediately for accidental disablement;
   
• includes the option to increase your cover amount when your circumstances change.

DISABLEMENT PREMIUM WAIVER pays the premiums of your 1Life Basic/ Elevated and 1Life Dread Disease cover (if you have this) on your behalf for a period of up to 5 years if you become disabled and the full and total cover amount of your 1Life Disablement policy is paid out.