What is Old Mutual Future insurance?

Future insurance is available from your financial adviser or broker. Unlike off-the-shelf products, this one is designed around what you need and want. Your adviser is best placed to help you build your customised cover. If you don't have an adviser or broker, please call us on 061 299 3003 or SMS 66522.

You can enhance your cover by adding Disability or Illness insurance at an extra cost, so you can buy any of the following cover in the future:

Disability insurance that pays a single tax-free amount amount:

Old Mutual Protect Disability Cover or Old Mutual Protect Business Disability Cover which pays if you can’t work or take care of yourself because you are permanently disabled or impaired.

Old Mutual Protect Functional Impairment Cover which pays if you can’t take care of yourself because you are permanently impaired.

Old Mutual Protect Physical Impairment Cover which pays if an illness or injury permanently impairs you, such as hearing loss or the loss of a limb.

Disability insurance that provides a monthly tax-free payment:

Old Mutual Protect Disability Income Cover or Old Mutual Protect Business Expenses Cover which pays if you can't work or contribute towards business expenses or take care of yourself because you are temporarily, partially or permanently disabled or impaired.

Old Mutual Protect Functional Impairment Income Cover which pays if you can’t take care of yourself because you are temporarily, partially or permanently disabled or impaired.

Illness insurance that pays a single tax-free amount:

Old Mutual Protect Severe Illness Cover or Old Mutual Protect Business Severe Illness Cover which pays a percentage of your cover amount if you suffer a listed illness.

Cashback pays back a percentage of your premiums every five years on the cashback anniversary - putting money back in your pocket.

This benefit ensures that cover continues if the premium payer becomes disabled, impaired, is retrenched or dies.

• You need to be older than 14 and younger than 54 when you apply.
• You choose if and how you want your cover to increase.
• If you stop paying premiums the cover stops. It's important to get in touch with your adviser before this happens so that he or she can assist you with possible solutions.
• As this product is not an investment, you won't receive any money if you cancel it.

These documents contain all the rules and disclosures related to the products and the benefits available on each. They are provided to you so that you can read all the information to make an informed decision about the products and whether you should apply for them or want to see all the information before you finalise your application. This is an indication of the contract you will receive if we accept your application but that contract will only include the benefits and options you have selected and we have accepted.

To download, click on the product name of the rules and disclosures you wish to see.

FUTURE LIFE COVER
This product lets you use your current health status to buy cover in the future without having to go for medical tests when you’re older.