Starting from57per month
The Viva Life Income Protection plan is a simple and effective way to ensure that you maintain your lifestyle and meet your financial commitments in the event that you are no longer able to work. In the event that you become permanently disabled, due to bodily illness or injury, this product will provide a regular monthly benefit.
Key benefits:
Cover up to R15 000 payable monthly
There is no medical examinations
If you are totally and permanently disabled, you will need to contact us by emailing claims@vivalife.co.za or calling 086 100 VIVA(8482). We will request the relevant documents, to ensure the claim is assessed efficiently.
We require notification of your disability within 90 (ninety) days of it happening. If we are not informed within that time, the claim could be repudiated.
For your claim to be paid, we require:
Disputed Claims
Premiums are payable in advance on the selected debit order date. Your premiums are subject to change, depending on the claims, expense and investment experience of Viva Life Insurance Limited.
Premiums will increase annually due to inflation
We will communicate any changes in premiums to you with a 31-day notice.
If you have any issues or questions about your cover, feel free to email us on support@vivalife.co.za or call us on 086 100 VIVA (8482) to get more information on the policy.
For complaints and compliance
We appreciate you as a client, so if at any point you are unhappy with our service or product, please contact us using the following:
Please | Then | Or |
Give us a chance to resolve the matter. To ensure our focused attention, please contact us using the following details: | If complaints about our products don't get resolved, we are also accountable to the Long-Term Insurance Ombud. Their contact details are: | If complaints about our service are not resolved, we are accountable to the FAIS Ombud. Their contact details are as follows: |
Viva Life Head Office Postnet Suite 33, Private Bag X75 Bryanston 2021 |
![]() Private Bag X45 Claremont 7735 |
![]() PO Box 74571 Lynnwood Ridge 0040 |
Call: 086 100 VIVA (8482) Email: complaints@vivalife.co.za Fax: 086 681 3311 |
Call: 0860 103 236 Email: info@ombud.co.za Fax: 021 674 0951 |
Call: 0860 324 766 Email: info@faisombud.co.za Fax: 012 348 3447 |
Please |
Give us a chance to resolve the matter. To ensure our focused attention, please contact us using the following details: |
Viva Life Head Office Postnet Suite 33, Private Bag X75 Bryanston 2021 |
Call: 086 100 VIVA (8482) Email: complaints@vivalife.co.za Fax: 086 681 3311 |
Or |
If complaints about our products don't get resolved, we are also accountable to the Long-Term Insurance Ombud. Their contact details are: |
![]() Private Bag X45 Claremont 7735 |
Call: 0860 103 236 Email: info@ombud.co.za Fax: 021 674 0951 |
Then |
If complaints about our service are not resolved, we are accountable to the FAIS Ombud. Their contact details are as follows: |
![]() PO Box 74571 Lynnwood Ridge 0040 |
Call: 0860 324 766 Email: info@faisombud.co.za Fax: +27 12 348 3447 |
How does Income Protection work?
If you become permanently disabled, Viva Life will pay the selected lump sum in line with the benefit limitations. The cover will cease:
Why should I buy Income Protection Cover?
Income Protection Cover is ideal for a long-term solution when it comes to protecting yourself against financial pressure in the event of disability. We tend not to confront the reality of disability and the dramatic effect it could have on ourselves and families. The best thing about using an independent provider as opposed to company perks is that your cover is not tied up with your current job, meaning you're cover is managed by you, not your employer.
When does my cover begin?
Cover begins once your application has been assessed and approved by Viva Life and your first due premium has been paid.
What happens if I miss a payment?
Should you miss a payment for any reason, we will collect a double debit order the following month for up to a maximum of 3 months. If your policy lapses and you would like to reinstate and resume payments, waiting periods would reapply.
Are the proceeds from an insurance policy taxable?
The proceeds from an insurance policy are not taxable because of their nature. The proceeds are of a capital nature and are therefore not taxable as income. All proceeds that are of a capital nature are subject to Capital Gains Tax. However, the proceeds from insurance are exempt from Capital Gains Tax.
Is there a waiting period when I cannot claim?
There is a 6 month waiting period (from Commencement Date) where claims cannot be made for payment. We will also only pay 50% of your claim amount if you are disabled after month 6 and before month 18. We will however honour your claim in the first 6 months if your disability was the result of an accident.
What is the difference between Disability Cover and Income Protection?
Disability cover is there so that you can make changes to your lifestyle and home while Income Protection is there to replace your income should you become disabled. Disability cover provides a once off lump sum payment, while Income Protection is a monthly payment in to your bank account.