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Estate Protector

Safeguard Your Assets. Honour Your Intentions.

Ensure that the administration of your deceased estate is seamless and your beneficiaries get their intended inheritance when you pass away.

Get cover of up to R1 million to protect your legacy.

Protect your Legacy

Protect your loved ones with an RMB Private Bank estate protector, where you will get:

  • Cover of up to R1 million for deceased estate administration costs.
  • Cover for executor's fees and any applicable estate duty fees linked to the proceeds.
  • 30% discount on your executor's fee when you have a Will with us and nominate FNB Fiduciary as executor.

This plan can be taken as a stand-alone or as an additional benefit to your Life Customised policy which will get you the following:

  • Funeral benefit of R30 000 at no extra cost to you, paid out within 24 hours.
  • Spend Protect benefit pays out in
    24 hours to help your family take care of immediate expenses.
 

Estate Planning that Reflects Your Worth

The estate protector covers:

  • Testamentary trust set-up fees
  • Fees incurred in the conveyance of property from their estate to their beneficiaries
  • Vehicle licencing and registration costs
  • Firearm storage and related costs
  • Valuation fees
  • Related professional fees
  • Related Master of the High Court fees
  • Local newspaper and government gazette notice costs
  • Any other estate expenses excluding payment of other personal liabilities

Earn up to 40% back in eBucks

If you meet the qualifying criteria, you can earn up to 40% of your monthly premium back in eBucks.

As an RMB Private Bank account holder, you earn up to 2 000 points towards your eBucks reward level each month.

To find out how to collect points and earn eBucks from your Life Cover, or for more details on the eBucks rewards programme, please visit www.eBucks.com. eBucks is embedded in the Insurance product and earn depends on meeting and maintaining qualifying criteria.

Getting it made easy

Estate Protector

 
Terms and conditions apply. First National Bank a division of First Rand Bank Limited an Authorised Financial Services and Credit Provider (NCRCP20). Insured by FirstRand Life Assurance Limited, a Licensed Insurer.

FNB Fiduciary (Pty) Limited Registration Number 1986/003488/07. A subsidiary within the FirstRand Group of Companies. An Authorised Financial Services Provider.
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Qualifying criteria

  • You need to have an FNB or RMB Private Bank transactional account
  • Have an active RMB Private Bank Home Loan
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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)