Accidental Death Family Cover

The Viva Life Accidental Death Family Cover ensures that you and your family are taken care of in the event of an untimely loss of life. This cover will assure that you, and those you love, do not incur financial burdens during difficult times.

Key Benefits
  • Low and affordable premiums from only R29 per month.
  • Cover of up to R150, 000.
  • No medical examinations.
  • No waiting periods.

Adding a beneficiary

The benefits under your policy will be paid to your nominated beneficiary if you pass away, and to you if one of your dependent family members pass away.
You can add a beneficiary to your policy by calling our customer services team on 086 100 VIVA (8482) or via email to

How to claim

Claims must be reported to Viva Life by emailing or calling 086 100 VIVA(8482).

  • Cover is provided for insured events occurring between the dates the policy starts and ends.
  • Claims must be reported within 90 days after the occurrence of an insured event
  • Claims must be submitted to Viva Life in writing by completing and submitting all the necessary documentation within
    6 months after the occurrence of an insured event:
    • A completed official claim form available upon request
    • A certified copy of the policyholder’s Identity Document or Smart Card
    • A certified copy of policyholder’s death certificate
    • A certified copy of the notification of death (DHA-1663)
    • A copy of the beneficiary’s South African bank statement or proof of account
    • Any such other documents as may be required by Viva Life in its sole discretion

In the event that Viva Life rejects a claim or disputes the amount of the claim, you or your beneficiary may make representations to Viva Life within 90 days of receiving of the notification of repudiation or dispute of the claim, and will have at least 6 months after the expiry of the 90-day period to institute legal action in a court of law, lodge a complaint with the Long-term/Insurance Ombudsman or commence arbitration proceedings.

Monthly Premium

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 by 6% on policy anniversary. We will communicate any changes in premiums to you with a 31-day notice.

Any problems or issues?

If you have any issues or questions about your cover, feel free to call us on 086 100 VIVA (8482), or email us on 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:


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

Call: 086 100 VIVA (8482)
Fax: 086 681 3311


If complaints about our products don't get resolved, we are also accountable to the Long-Term Insurance Ombud. Their contact details are:

Ombudsman for Long-Term Insurance

Private Bag X45

Call: 0860 103 236
Fax: 021 674 0951


Give us a chance to resolve the matter. To ensure our focused attention, please contact us using the following details:

Office of the FAIS Ombud

PO Box 74571
Lynnwood Ridge

Call: 0860 324 766
Fax: 012 348 3447

Terms and Conditions

  • You must have a valid South African Identity Document.
  • You must be over 18 years and not older than 60 years on your next birthday to be eligible for cover.
  • We will not pay out if your death or disability is as result of deliberate involvement in an illegal act, riot, civil commotion, terrorist attack, or war.
  • Your premiums will be renewed and reviewed monthly.


Why Should I buy Accidental Death Family Cover?

Many individuals prefer to postpone the purchase of any insurance until such a time that they have dependents. It is important to ask yourself if anyone will suffer financially if you were to die. It would be unwise to delay purchasing such insurance.

When does my cover begin?

Cover begins once your application has been approved by the insurance company and your first premium due, 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 lapse 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 are no waiting periods if your death is as a result of an accident.

How long does it take my beneficiary to receive my money after I die?

Your beneficiary can receive payment within 48 hours of the claim. Promptness of payment is dependent on the correct documentation being supplied to us.