Our product

BrightRock’s needs-matched life insurance is different from other products in the market

It’s uniquely structured to allow you and your financial adviser to work together to create the best life insurance solution – just for you.

Most life insurance policies bundle your needs into a large, single lump-sum that grows every year. But you have different needs: some long-, and others short- or medium-term.

With BrightRock you don’t pay for cover you don’t need

Your cover is designed to exactly match each specific financial need. Because your cover is the perfect fit for your needs, there’s no waste. So it’s more cost efficient and sustainable. And if your life should change and you need more cover, it’s easy to get it thanks to our unique needs-matched design.

Without unnecessary cover, every premium rand you spend with us works so much harder for you. That’s how we’re able to save you money and give you, on average, 40% more cover for every premium rand!

You get a unique BrightRock policy, designed to meet your specific needs

With BrightRock, you decide exactly how to cover your different financial needs if you were to get ill, suffer an injury or die. For your different needs, you can choose:

  • Whether you want your cover to pay out as a lump-sum or regular monthly payment;
  • How your cover should grow and change to keep meeting your needs over time
  • The most appropriate duration for your cover; and
  • You can change your cover when your needs change.

You have the certainty that you can get more cover when you need it

The following features are built into standard BrightRock policies at no extra cost:

  • Cover conversion facility – Only BrightRock gives you the flexibility to redirect your premiums for cover you no longer need to other financial needs and insurance events – free of medical underwriting (to a maximum of R10 million). You’re guaranteed you can always buy more death cover, even when you’ve claimed against your policy;
  • Extra cover buy-up – With the extra cover buy-up, you can buy more cover with no medical underwriting (to a maximum of R10 million, depending on the cover you already have) when your life changes;
  • Yearly secured cover facility – With the yearly secured cover facility, you have an annual opportunity to buy cover to the value of the lump-sum amount by which your income protection cover has reduced (if at all) during the course of that year, with limited underwriting.

You enjoy unrivalled flexibility and protection when you claim

You have the option, if you choose a lump-sum for your income-related needs, to change your choice at claim-stage. So you can receive a recurring pay-out instead, on guaranteed terms. Only BrightRock offers you this level of choice and flexibility, giving you the best of both worlds.

Plus, with our market-leading claims definitions, you can count on the most comprehensive, certain cover available in the market today.

We use objective medical criteria based on clinical best practice guidelines to assess your claims for illness and injury. This means greater choice and flexibility for you — and above all, greater certainty that we’ll pay your valid claims.