Starting from99per month
Life cover from Viva Life will ensure that your family's financial needs are securely and reliably taken care of should you pass on or develop a terminal illness.
Key benefits:
Cover of up to R500 000
No medical examination
Immediate cover for accidental death
Downloads
Add a beneficiary to your policy so that we can pay them directly in the event of your death. You can do this by calling our customer services team on 086 100VIVA (8482) or via email to support@vivalife.co.za.
In the event of your death, your beneficiary 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 death within 30 days of it happening. If we are not informed within that time, the claim could be declined.
There is a 6 month waiting period (from Commencement Date) where claims cannot be made for payment. However, if your death is a result of an accident we will pay out within the first 6 months.
For your claim to be paid, we require:
Disputed claims
Your premiums are subject to change, depending on the claims, expense and investment experience of Viva Life Insurance Limited, an authorised Financial Services Provider which underwrites, administers and issues the Viva Life insurance products.
It is expected that premiums can increase over time due to inflation, and the upward pressure that HIV claims are likely to have on the portfolio.
Should your premium increase or decrease we will communicate any changes with you straight away.
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 service are not resolved, we are accountable to the FAIS Ombud. Their contact details are as follows: | If complaints about our products don't get resolved, we are also accountable to the Long-Term Insurance Ombud. Their contact details are: |
Viva Life Head Office Postnet Suite 33, Private Bag X75 Bryanston 2021 |
![]() PO Box 74571 Lynnwood Ridge 0040 |
![]() Private Bag X45 Claremont 7735 |
Call: 086 100 VIVA (8482) Email: complaints@vivalife.co.za Fax: 086 245 4931 |
Call: 0860 324 766 Email: info@faisombud.co.za Fax: 012 348 3447 |
Call: 0860 103 236 Email: info@ombud.co.za Fax: 021 674 0951 |
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: 086 245 4931 |
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 |
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 |
How does it work?
Life Cover is an insurance policy that pays out a lump sum to your beneficiary or estate should you pass away or develop a terminal illness. A premium is paid every month in exchange for the assurance that Viva Life will pay a lump sum of money to ensure the financial protection of your family and dependants after your death.
In the event that a claim is submitted for a terminal illness, premiums will continue to be billed until you pass away
When should I buy Life cover?
While it is best to begin Life Insurance as soon as you can, someone with dependants (such as non-working spouse, children, other family) is likely to gain more from the investment than if you are a single person or a spouse of someone who earns enough for your family to live on should you pass away.
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.
Is there a waiting period when I cannot claim?
If your death is a result of an accident you will be covered immediately. There is a 6 month waiting period where claims won't be paid if your death is due to natural causes. We will also only pay 50% of your benefit amount if you die after month 6 and before month 18, however, you will be fully covered after this period.
What happens if I miss a payment?
Should you miss a payment for any reason, Viva Life will collect a double debit the following month and if your policy lapses you will have to reapply for cover, and the applicable waiting period applies.
Starting from165per month
The Viva Life Deluxe Family Funeral policy provides affordable and simple cover, giving you peace-of-mind that in the event of your death, your family or loved ones are protected against unexpected funeral costs from R165 per month.
Key benefits:
Cover of up to R50 000 for yourself and up to 10 additional family members including your spouse, parents, children and domestic worker.
Double accidental death cover.
Grocery, airtime, unveiling and transport benefits as additional benefits on top of the sum assured.
No more premiums if the policyholder dies before the age 65 or up until the Policyholder would have reached 65.
No more premiums once the policyholder reaches the age of 70.
Payment of a valid claim within 48 hours of us receiving all the necessary claims documentation.
No waiting periods for accidental death.
Add a beneficiary to your policy so that we can pay them directly in the event of your death. You can do this by calling our customer services team on 086 100VIVA (8482) or via email claims@vivalife.co.za
In the event of your death, your beneficiary 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 death 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: 086 245 4931 |
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: 086 245 4931 |
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: 012 348 3447 |
Why Should I buy Deluxe Family Funeral 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. However there is a 6-month waiting period in the event of death due to natural causes.
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.
Starting from79per month
The Viva Life Elite Family Funeral policy provides affordable and simple cover, giving you peace-of-mind that in the event of your death, your family or loved ones are protected against unexpected funeral costs from R79 per month.
Key benefits:
Cover of up to R50 000 for yourself and additional family members including your spouse, parents and children.
Double accidental death cover.
Grocery, airtime and transport benefits as additional benefits on top of the sum assured.
No more premiums once the Policyholder reaches the age of 70.
Payment of a valid claim within 48 hours of us receiving all the necessary claims documentation.
No waiting periods for accidental death.
Add a beneficiary to your policy so that we can pay them directly in the event of your death. You can do this by calling our customer services team on 086 100VIVA (8482) or via email to support@vivalife.co.za.
In the event of your death, your beneficiary 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 death 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: 086 245 4931 |
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: 086 245 4931 |
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: 012 348 3447 |
Why Should I buy Elite Family Funeral?
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. However there is a 6-month waiting period in the event of death due to natural causes.
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.
Starting from29per month
The Viva Life Umndeni Funeral policy provides affordable and simple cover, giving you peace-of-mind that in the event of your death, your family or loved ones are protected against unexpected funeral costs from R29 per month.
Key benefits:
Cover of up to R50 000 for yourself and up to 9 additional family members including your spouse, parents and children.
Payment of a valid claim within 48 hours of us receiving all the necessary claims documentation.
No waiting periods for accidental death.
Add a beneficiary to your policy so that we can pay them directly in the event of your death. You can do this by calling our customer services team on 086 100VIVA (8482) or via email to support@vivalife.co.za.
In the event of your death, your beneficiary 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 death 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: 012 348 3447 |
Why Should I buy Umndeni Family Funeral?
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. However there is a 6-month waiting period in the event of death due to natural causes.
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.