Life Insurance

Life cover protects you and your family from financial hardship in the event of your death or disability. It can also include cover for severe illness or dread disease, helping you manage any additional costs that may arise.

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Let us calculate the exact life insurance coverage that gives you complete peace of mind, knowing your family’s future is truly secure.

Life Cover

Provides financial protection for your beneficiaries in the event of your death. Coverage can be structured as either a lump sum payment or ongoing monthly payments to your family.

The lump sum can be used to:

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Provide ongoing income replacement for your family

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Pay off outstanding debts such as mortgages and loans

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Cover immediate expenses and funeral costs

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Ensure your family inherits assets, not financial burdens

Permanent Disability

Provides financial support if you become permanently unable to work due to illness or injury. Coverage can be structured as either a lump sum payment or recurring monthly payments for a specified period.

This coverage can be used to:

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Replace lost income when you can no longer work

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Pay for medical treatments and ongoing care costs

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Modify your home for accessibility needs

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Cover daily living expenses and family support

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Maintain your family’s standard of living despite disability

Temporary Disability

Provides income replacement if you become temporarily unable to work due to illness or injury. Coverage typically provides monthly payments during your recovery period until you can return to work.

This coverage can be used to:

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Replace lost income during recovery

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Cover medical expenses not covered by medical aid

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Maintain mortgage and loan payments

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Pay for daily living expenses and family needs

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Provide financial stability while you focus on healing

Severe Illness

Provides a lump sum payment upon diagnosis of specified critical illnesses such as cancer, stroke, and heart attack. The benefit is paid regardless of your medical aid coverage and can be used at your discretion.

This coverage can be used to:

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Cover medical expenses not covered by medical aid

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Pay for specialized treatments and private healthcare

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Replace lost income during treatment and recovery

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Modify your home or lifestyle for your condition

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Provide financial flexibility during a difficult time

Wills

Professional will drafting and estate planning services with no upfront costs. We provide comprehensive will preparation, reviews, and amendments at no charge. The only cost is executor fees of up to 3.99% (inclusive of VAT) of the estate value, payable only upon death.

Why You Need a Professional Will:
Every person has the legal right to decide what happens to their assets after death. However, failing to have a valid will in place creates serious complications:

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No nominated executor – the Master must appoint someone to wind up your estate

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Assets distributed according to Intestate Succession laws, not your wishes

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Your spouse could be left financially vulnerable

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Unintended beneficiaries may inherit your assets

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Estate administration takes significantly longer

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Complex asset division issues for heirs

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Minor children’s funds deposited into the Guardian’s Fund without proper trust provisions

Our Will Services Include:

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Professional will drafting by qualified experts

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Regular reviews and amendments as your circumstances change

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Comprehensive estate planning advice

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Trust provisions for minor children

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Executor nomination and guidance

A properly structured will forms an integral part of your estate planning and ensures your wishes are carried out while minimizing costs and complications for your loved ones.

Our Approach

Most people either over-insure (wasting money on premiums) or under-insure (leaving their family vulnerable).

At Jacobs Financial Services, we calculate the exact coverage your family needs—nothing more, nothing less—at a price you can afford. This gives you complete peace of mind knowing they’ll be financially secure no matter what happens.

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