Improvement

2.1

Guaranteed Personal Insurability Benefit
You are now entitled to increase your life insurance without providing any medical evidence if you complete a post graduate degree or get divorced. This already applies for getting married, the birth or adoption of a child, taking out a mortgage, a child starting secondary school and a salary increase.

2.2

Child’s Crisis
You can now also make a claim under this option if your child suffers a heart attack.

2.3

Cardiomyopathy
You are now entitled to make a claim even if you are still able to perform your own occupation.

2.4

Primary Pulmonary Hypertension
You are now entitled to make a claim even if you are still able to perform your own occupation.

2.5

Total and Permanent Disability and Totally and Permanently Disabled
You are now entitled to make a claim even if you are capable of earning up to 25% of your annual income. Previously you had to be unable to earn 100% of your annual income to be able to claim. Further to this, you can now lodge a claim three months after becoming disabled, rather than having to wait six months to lodge a claim.