A plain-English breakdown of how lump-sum disability cover works, and why the occupation definition matters as much as the amount.
Book a free 15-minute callA single payout when you meet the policy's definition of permanent disability.
Usually falls under income protection instead, not a lump-sum disability policy.
Certain policies pay a proportional amount for partial, not only total, disability.
Specific conditions flagged and excluded at application won't be covered later.
Both causes are typically covered, subject to the policy's specific wording.
As with life cover, non-disclosure at application can void a claim.
Physically demanding occupations are priced differently to office-based roles.
Underwriting at application directly shapes the premium you're offered.
The lump sum amount chosen is the primary driver of cost.
Own-occupation cover typically costs more, reflecting the broader payout trigger.
Disclosed conditions can be excluded, loaded, or in some cases declined.
We'll confirm the actual definition on your policy and whether the amount still matches your real financial exposure.
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No. This page is educational only. Personalised advice only happens after a proper needs analysis on a call, as required under South African financial services regulation.
No — disability cover typically pays a lump sum for permanent disability; income protection pays an ongoing monthly income.
It means the policy pays out if you can't do your specific job, even if you could still do a different one.