Protect the People You Love
Compare life cover, funeral insurance, and income protection offers from South Africa's leading FSPs. We connect you with the right cover for your family's future.
Cover Options
Choose the Right Life Cover
From affordable term cover to lifelong protection — we'll connect you with an FSP that matches your needs and budget.
Term Life Cover
Affordable cover for a fixed period — typically 10, 20, or 30 years. Pays a lump sum to your beneficiaries if you pass away during the term.
- Fixed premium for the term
- Lump sum payout to beneficiaries
- Flexible cover amounts
- Optional disability add-on
- Convertible to whole life
Whole Life Cover
Lifelong protection that never expires. Builds cash value over time and guarantees a payout whenever you pass away.
- Cover for your entire lifetime
- Guaranteed payout
- Builds cash value
- Loan facility available
Funeral Cover
Quick, affordable cover to take care of funeral costs for you and your family — with payouts typically within 48 hours.
- Cover for entire family
- Payout within 48 hours
- No medical exam required
- Affordable monthly premiums
Enhance Your Cover
Add-On Benefits
Strengthen your life policy with add-ons designed to protect your income, health, and family's future.
Disability Cover
Replaces your income if you become permanently or temporarily disabled and can no longer work.
Critical Illness Cover
Pays a lump sum on diagnosis of a serious illness like cancer, heart attack, or stroke — giving you financial breathing room.
Income Protection
Monthly benefit paid to you if illness or injury prevents you from earning an income — up to 75% of your salary.
Dread Disease Cover
A lump sum benefit for life-altering conditions, helping cover medical costs, home modifications, or lost income.
Retrenchment Cover
Covers your premium payments for a set period if you are retrenched, so your policy stays active when you need it most.
Education Protector
Ensures your children's school and university fees are covered even if you are no longer around to provide for them.
Our Partners
Compare Offers from Top SA Life Insurers
Why Cover Now
The Smarter Way to Get Life Cover
Compare Instantly
See multiple life cover offers side by side — no phone calls, no waiting.
Trusted SA FSPs
Only authorised, reputable South African life insurers on our platform.
Tailored to You
Quotes based on your age, health profile, and the cover amount you need.
We Connect You
We pass your details to the right FSP — they handle the rest, fast.
What Our Customers Say
"I finally got life cover for my whole family including my parents. The FSP Cover Now connected me with was so helpful and the premium is very affordable."
Nomsa Khumalo
Soweto
"Added income protection to my life policy after being retrenched once before. Peace of mind knowing my family is covered no matter what happens."
Pieter Botha
Pretoria
"Got funeral cover for R89 a month covering my whole family. The payout process was fast and dignified when we needed it most."
Zanele Moyo
Durban
FAQ
Common Questions
How much life cover do I actually need?
A common rule of thumb is 10–12 times your annual income. Consider your outstanding debts, dependants, future education costs, and how long your family would need financial support. Our connected FSPs can help you calculate the right amount.
Do I need a medical exam to get life cover?
Not always. Many FSPs offer simplified underwriting for lower cover amounts, requiring only a health questionnaire. Higher cover amounts may require a medical exam or blood tests.
What is the difference between life cover and funeral cover?
Life cover pays a large lump sum (typically R500,000+) to your beneficiaries and is designed to replace income and settle debts. Funeral cover pays a smaller, faster amount (typically R10,000–R50,000) specifically to cover funeral expenses.
Can I get life cover if I have a pre-existing condition?
Yes, in most cases. FSPs may apply exclusions for specific conditions or charge a higher premium, but cover is generally still available. Our platform connects you with FSPs who specialise in various health profiles.
What happens to my policy if I miss a premium payment?
Most policies have a grace period of 30 days. If you miss a payment, your cover typically remains active during this period. After that, the policy may lapse. Some policies include a premium waiver or retrenchment benefit to protect against this.
Ready to Protect Your Family?
Compare life cover offers from top South African FSPs. Takes less than 5 minutes.