Manage subscriptions

Update your info and subscription preferences

Personal Details

Communication

I would like to opt out of communication from Elite Mobile via:

Update subscription

Something went wrong, please try again.

Thanks! Your subscription has been updated

Close

Call me back

Products

Something went wrong, please try again.

Thank You, We will call you back shortly

Simply Life

Starting from119per month

From R119 per Month

Life cover from Viva Life 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 life expenses.

Simply Life offers you Life Cover, without the hassle of underwriting questions and medical examinations. Enjoy peace of mind and simplicity.

Key benefits:

Cover from R100 000 up to R500 000

No medical examination

No waiting periods for accidental death

Adding a beneficiary

You can add a beneficiary to your policy by calling our customer services team on 086 100 VIVA (8482) or via email to support@vivalife.co.za.

How to claim

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:

  • That your premiums are up to date
  • Correct and completed claims documents.

Disputed claims

  • We allow 90 (ninety) days from the date of the communication of our decision for your beneficiary or estate to question our decision on a claim.
  • Should we repudiate the claim again and they wish to start a legal process or log a complaint with the Long-term Insurance Ombud, they will have an additional 180 days, after the 90-day period, to do so.

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 due to inflation.

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 support@vivalife.co.za 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
Ombudsman for Long-Term Insurance
Private Bag X45
Claremont
7735
Office of the FAIS Ombud
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:
Ombudsman for Long-Term Insurance
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:
Office of the FAIS Ombud
PO Box 74571
Lynnwood Ridge
0040
Call: 0860 324 766
Email: info@faisombud.co.za
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 59 years of age 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 monthly renewable and reviewable.
  • If death occurs by accident or any non-natural cause, the full Sum Assured will be paid. If death occurs as a result of natural causes:
    • Within the first 6 months, premiums paid will be returned.
    • After 6 month and before 18 months, 50% of the Sum Assured will be paid.
    • After 18 months, and if 18 premiums were received, the full Sum Assured will be payable.

FAQ's?

Why Should I buy Simply Life 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. After 6 months and before 18 months, 50% of the sum assured will be paid. After 18 months, and if 18 premiums were received, the full sum assured will be payable.


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.


Terms and Conditions | Privacy Policy | Conflict of Interest | Complaints Resolution | PAIA Manual | Treating Customers Fairly | Manage Subscription


Viva Life Insurance Limited is an authorised Financial Services Provider (FSP Number: 39697) and a registered Long-term Insurer | Company Registration Number: 2008/014840/06 |
Directors: Emil Boeke, Alex van der Horst, Andre Jordaan, Dean Fonseca, Sarah Lokhat | Registered address: Culross on Main, Building 3, 34 Culross Road, Bryanston, 2191 | Postal address:
                PostNet Suite 33, Private Bag X75, Bryanston, 2021

© Copyright 2013 VivaLife