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Dynamic Life» Home

Protect your home

Ensure that your loved ones keep their home when you are no longer around.
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For complete peace of mind



We understand that your home means everything to you and your family. We also know that life happens and circumstances can change unexpectedly. It's important to ensure that your home is secure. In the event of your unforeseen death, disability or critical illness, we've got you covered.
 

Pay for the cover you need



You can save on average between 25 and 50% in life insurance premiums with Dynamic Life» Home because your monthly premiums and cover amount automatically change with the balance of your home loan. You only pay for the cover you need.

Add options that suit your needs

Terminal illness benefit

Pays 100% of the outstanding amount of your home loan in the event of your death or terminal illness.

Retrenchment benefit

Make sure your loved ones can keep your home if something happens to you. You will be covered for the outstanding amount on your home loan.

Permanent Disability Cover

Pays out 100% of your outstanding home loan amount if you become permanently disabled and can't perform your job.

Critical Illness Cover

Pays out up to 100% of your outstanding home loan balance if you suffer from one of a wide range of specified conditions.

Earn up to 40% back in eBucks



For more information on the eBucks rewards programme and how to become a qualifying member, visit www.ebucks.com. eBucks rules, terms and conditions apply.

Getting it made easy

Dynamic Life» Home

 

QUALIFYING CRITERIA

  1. You need to have an RMB Private Bank transactional account
  2. Have an active RMB Private Bank Home Loan

How to get it

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Insured by FirstRand Short Term Insurance Limited, Reg. No. 2018/234369/06, a licensed insurer.
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Retrenchment benefit

Let us help you protect your income by adding cover for retrenchment or inability to earn an income. Plus, you only pay for the cover you need because your monthly premiums and cover amount automatically changes with the balance of your home loan. The benefit will help you manage your monthly financial obligations.
 
Dynamic Life
Cover period of up to 12 months or until you find new employment.
Cover for both retrenchment or an inability to earn an income.
 
Important information to note
Pays the monthly home loan instalment for duration of the claim.
Cover does not pay out if you only have a partial loss of income.
Cover does not pay out if you were aware of your retrenchment during the 3 months before the start of this cover or if you are retrenched during the first 3 months of cover. Benefit ends at the age of 65 years.
A 3-month waiting period will apply where no claim will be paid from the benefit start date (or reinstatement) and from the date of your last retrenchment benefit claim payment, for any subsequent claim.
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Terminal Illness Benefit

In the event of your death, we will automatically settle your home loan, unless you have specified a different beneficiary.
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Contact us

  • Call us on 087 736 7774
  • Select option 2
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Permanent Disability Cover

Dynamic Life» Home Permanent Disability is combined with Life Cover. This means it reduces your Life Cover by the amount claimed, but offers the advantage of more affordable premiums.
Permanent Disability pays between 25 - 100% (based on the severity) if you become impaired.
Examples of impairments include: major burns, the loss of use of your hand or the permanent loss of hearing in both ears, or if you are unable to look after yourself due to a disability.
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Critical Illness Cover

Helps reduce the financial strain in the event of illness and injury and provides up to 100% cover. To help you manage the financial burden of suffering from a serious illness, you get cover for a wide range of specified illnesses and injuries. It includes automatic child cover, that pays a lump sum amount if your child is diagnosed with a critical illness, and a future family benefit, that pays an additional 10% of your cover amount for a valid cancer claim, to use towards fertility preservation treatment. Dynamic Life» Comprehensive Home Critical Illness is combined with your Life Cover.
This means it reduces your Life Cover by the amount claimed but offers the advantage of more affordable premiums. Cover pays on diagnosis and includes illnesses and injuries that you could recover from.
Examples of critical illnesses include: cancer, heart attack, strokes and coronary bypass grafts.
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Helping you make a selection

With the Dynamic Life» Home Plan, you will be covered for the outstanding amount on your home loan. Your cover and your premiums are directly linked to your outstanding home loan balance and will automatically adjust as the outstanding balance changes. This ensures you don't over pay for cover that you don't need.
Dynamic Life» Home Mortgage Protection Plan
What this cover is based on Outstanding balance of home loan up to R100m Outstanding balance of home loan up to R1.5m
How premium is calculated Based on individual risk Based on gender, smoker, and employment
Life cover Yes Yes (settlement of outstanding balance)
Critical illness cover Yes (optional) No
Permanent disability cover Yes (optional) Yes (settlement of outstanding balance)
Temporary disability cover No Yes (covers monthly balance up to 12 months)
Inability to earn an income/ retrenchment No Yes (covers monthly balance up to 12 months)