RMA Group Life Cover
Add more value to your employee benefits
- Simple, quick and easy to buy
- Up to R2m cover for each employee
- R500k guaranteed cover for 5+ employees
- 3 simple medical questions for extra cover
- Cover starts immediately
- Legally employed foreigners welcome
- Total premiums from R299 p.m.
What you can give
to your employees
People who work in our businesses are an important part of our daily lives. They are often family breadwinners and if tragedy strikes, their dependents may be left destitute. As their employer, you may be the one left with a moral responsibility towards their family if something happens to them. RMA Group Life Cover includes any combination of the following to suit the needs of your employees and your budget.
Life Cover
The amount of cover you select will be paid as a lump sum to your employees’ beneficiaries if they die.
You can select the same amount of coverage for everyone (anywhere between R50k and R2 million), or you can set the cover as a multiple of each employee’s annual salary (anywhere between 1X and 5X annual salary).
Beneficiaries will also receive an additional R500 cash per month for 6 months to help cover the cost of groceries.
If they are diagnosed with a terminal illness and are expected to die within 12 months, they can choose to have up to 100% of their lump sum paid in advance to them or their beneficiary. If they opt for a 100% pay out, their policy will be terminated, even if they recover from the illness.
Occupational Disability Cover
The amount of cover you select (up to the maximum of R2 million for Group Cover) is paid if the insured person is permanently occupationally disabled.
This means they suffer from a bodily injury, illness, disease or surgical operation which results in them being, in our opinion, totally and permanently unable to perform their current occupation’s duties, or the duties of another suitable occupation.
Determining what a suitable alternative occupation will take into account the insured person’s education, previous training, abilities and work experience, and need not be with the existing employer. There is a 6 month deferred period before your employee is eligible for this benefit.
Funeral Cover
The amount of cover you select (between R5,000 and R50,000) will be paid if your employee or any of their family members covered under the policy die. You can cover them, their spouse, and any number of children under the age of 21. You can also add new children later (any number of children under the age of 21).
The benefits are defined as follows:
- Main member or spouse 100% of cover
- Child aged 14-21 100% of cover
- Child aged 6-14 50% of cover
- Child aged 0-6 50% of cover (maximum R10,000)
The benefit will be paid out within 24 hours of receiving all the claim information we need. The policy does not terminate on the death of your employee’s spouse or children. If your employee dies, their spouse and children will continue to be covered for a further 6 months at no cost.
Only family members who are resident in South Africa can be covered under our Family Funeral Plan, and children are only covered until they turn 21.
Get started today
with RMA Group Life Cover
Step 1
Get your quote
To get your quote, you will need the following employee details:
- First name
- Gender
- Age or date of birth
- Monthly income before tax
You can add your employees one at a time or upload your own spreadsheet (eg. an export from your payroll system).
There is also an Excel spreadsheet template we created to help you get started.
Step 2
Choose the products
You can choose to get cover by multiple of salary or an equal amount per person.
You can then choose a combination of:
- Life cover
- Disability cover
- Family funeral cover
Select the cover amounts you want to provide. The premium will change as you adjust your selections.
Step 3
Get your policy
Once you’re happy and want to take out the cover, simply provide the remaining employee details:
- Surname
- Cellphone number
- Employment start date
- ID/Passport number*
- Email address (optional)
Company details are needed and they include:
- Company name
- Registration number
- Contact details
*Passport expiry date and nationality required
What you can give
to your employees
People who work in our businesses are an important part of our daily lives. They are often family breadwinners and if tragedy strikes, their dependents may be left destitute. As their employer, you may be the one left with a moral responsibility towards their family if something happens to them. RMA Group Life Cover includes any combination of the following to suit the needs of your employees and your budget.
Life Cover
The amount of cover you select will be paid as a lump sum to your employees’ beneficiaries if they die.
You can select the same amount of coverage for everyone (anywhere between R50k and R2 million), or you can set the cover as a multiple of each employee’s annual salary (anywhere between 1X and 5X annual salary).
Beneficiaries will also receive an additional R500 cash per month for 6 months to help cover the cost of groceries.
If they are diagnosed with a terminal illness and are expected to die within 12 months, they can choose to have up to 100% of their lump sum paid in advance to them or their beneficiary. If they opt for a 100% pay out, their policy will be terminated, even if they recover from the illness.
Occupational Disability Cover
The amount of cover you select (up to the maximum of R2 million for Group Cover) is paid if the insured person is permanently occupationally disabled.
This means they suffer from a bodily injury, illness, disease or surgical operation which results in them being, in our opinion, totally and permanently unable to perform their current occupation’s duties, or the duties of another suitable occupation.
Determining what a suitable alternative occupation will take into account the insured person’s education, previous training, abilities and work experience, and need not be with the existing employer. There is a 6 month deferred period before your employee is eligible for this benefit.
Funeral Cover
The amount of cover you select (between R5,000 and R50,000) will be paid if your employee or any of their family members covered under the policy die. You can cover them, their spouse, and any number of children under the age of 21. You can also add new children later (any number of children under the age of 21).
The benefits are defined as follows:
- Main member or spouse 100% of cover
- Child aged 14-21 100% of cover
- Child aged 6-14 50% of cover
- Child aged 0-6 50% of cover (maximum R10,000)
The benefit will be paid out within 24 hours of receiving all the claim information we need. The policy does not terminate on the death of your employee’s spouse or children. If your employee dies, their spouse and children will continue to be covered for a further 6 months at no cost.
Only family members who are resident in South Africa can be covered under our Family Funeral Plan, and children are only covered until they turn 21.
Get started today
with RMA Group Life Cover
Step 1
Get your quote
To get your quote, you will need the following employee details:
- First name
- Gender
- Age or date of birth
- Monthly income before tax
You can add your employees one at a time or upload your own spreadsheet (eg. an export from your payroll system).
There is also an Excel spreadsheet template we created to help you get started.
Step 2
Choose the products
You can choose to get cover by multiple of salary or an equal amount per person.
You can then choose a combination of:
- Life cover
- Disability cover
- Family funeral cover
Select the cover amounts you want to provide. The premium will change as you adjust your selections.
Step 3
Get your policy
Once you’re happy and want to take out the cover, simply provide the remaining employee details:
- Surname
- Cellphone number
- Employment start date
- ID/Passport number*
- Email address (optional)
Company details are needed and they include:
- Company name
- Registration number
- Contact details
*Passport expiry date and nationality required