No, cover is only designed for South African citizens with a valid South African identity document or Identity Card.

No, only EPE account holders can take out the EasyPay insurance funeral cover.

EasyPay Insurance has a benefit called continuation of cover which is provided for in the event where the main life (policyholder) passes away. The policy remains active for 12 months provided the claim is admitted and has cover for children or family cover.

Only one spouse or partner can be covered under the EasyPay insurance funeral cover provided the spouse or partner's details were provided at point of sale.

No, you can only cover your spouse or partner once he or she has acquired a valid South African Identity document or Identity Card.

The cover for the child will cease when he or she turns 21.

No, this is a risk policy and does not have a savings benefit.

No, there is no premium refund.

Yes, only if the policy is cancelled within 31 days of taking out the policy, which is called the “cooling off period”.

The policy will automatically lapse after missing 3 consecutive premiums or 6 non-consecutive premiums.

No, the spouse can take out his or her own policy provided they are EasyPay Everywhere account holders.

There will not be a waiting period for the dependents (spouse, children) who were covered under the deceased’s policy. Waiting periods will only apply if there is an increase in the cover amount.

The policy is designed for EasyPay Everywhere account holders. Should there be insufficient funds in the bank account, the main life (policyholder) has the option of paying the missed premiums in cash at a retailer e.g., Boxer, Pick n Pay, Shoprite, Pep Store etc using the EasyPay reference number.

Yes, changes are allowed, however, the normal waiting periods will apply.

Smart Life will not admit any claim if the death of an insured person resulted directly or indirectly from the insured person committing or attempting to commit a crime of murder, assault, housebreaking, theft, robbery, kidnapping, or a crime of a similar nature to any of the aforesaid crimes.

Yes, Smart Life will waive the waiting periods for the same cover amount or benefits provided there is proof of the replacement policy. Proof of previous cover to be submitted to newbusiness@smartlife.co.za at sales stage.

A client can only take out one (1) EasyPay Insurance policy.

The maximum cover is R30 000.

Yes, your policy can be reinstated within 3 months provided all premiums are paid in full and are up to date. No reinstatement will be permitted if the lapse period exceeds 3 months. The policyholder will have to take out a new policy with the new terms and conditions.

NB: Should the policy be reinstated; no claim will be paid if the death occurred during the lapse period.

No.

Yes, provided the cover has been taken out by the parent or the guardian.

The main life (policyholder) can contact the client service centre on 0800 100 201 or complete and submit an amendment form at the branch.

The main life (policyholder) can contact the client service centre on 0800 100 201 or complete and submit an amendment form at the branch.