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R75 000 

Spouse

R100 000

Main Member

R25 000

12 year old

R50 000

21 year old

R25 000

8 year old

R50 000

18 year old

UP TO R425 000

FAMILY COVER FOR ONLY R279

TitanDC

essential

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TitanDC

essential

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get Family cover in 5 min

Young Family

Here at TitanDC, we have filtered through all the paperwork for you and have created a product that is not only easy to understand but also has you and your family's best interests at heart. 

Our one size fits all comprehensive policy will cover you and your family members for up to R425 000 for  
ONLY R279 per month.

No medical underwriting, hidden costs, or lengthy application forms.

Marble Surface

Up to R425 000 comprehensive cover per family.

  • Covers natural, unnatural, and accidental death

  • No medical underwriting required 

  • Pays out within 48 hours 

  • Entry age of 18-59 for principal owner

  • Fixed premiums

  • Cover until death

  • Immediate R100 000 accidental death cover after the first premium is received 

  • Only a six month waiting period for natural Deaths.

Essential              LIFE

Benefits

FAQ

R100 000 Life

WHAT IS TITAN ESSENTIAL LIFE COVER?


We are able to offer a lump-sum that pays out within 48 hours to clients and their loved ones in the unfortunate event of death. We offer comprehensive cover not only for the principal member but for your spouse and your children.

Up to 7 members insured for ONLY R279 per month

​Our insurance products are there as assurance that, should the worst happen, you and your family will be cared for and can relax with the peace of mind that you will not be financially crippled by the event.




WHAT IS A BENEFICIARY?


This is the person who will receive the benefit i.e. the cover amount when you pass away. During the application stage you will be given the opportunity to nominate your beneficiary. You can however change your beneficiary at any stage while your policy is active. It is advised that you have the ID number or date of birth of the beneficiary/ies that you select, to ensure that when it comes to claiming stage, that the right person/s are being paid.




CAN CHANGES BE MADE TO MY POLICY?


Yes, you are welcome to make amendments to your policy, although they are subject to specific terms and conditions. One of these states that you are able to change or amend policy details within a 30-day grace period.

You can add or remove dependents at any stage.




HOW LONG WILL MY COVER LAST?


Your policy will remain active as long as you carry on paying the premium and will last for the entirety of your life up until you die. If you are unable to make the regular payments, your cover will be suspended until such time that you can continue payments.
We do provide a grace period in keeping with the Policyholder Protection Rules which state that all insurers must offer a grace period in which you are able to make a payment if the payment was missed on the specified date that you need to pay.
You have 2 consecutive premium misses before your policy lapses

In the case of your spouse & children, their cover will end upon your passing or their passing. This is dependent on which happens first. Cover for your children will run out if they pass away or when they reach 21 years of age. Again, this is dependent on which occurs first.




WILL MY FAMILY REMAIN COVERED AFTER MY DEATH?


We understand that you do not want your family to remain unprotected should you pass away. So, our answer is yes. Your spouse can opt to continue with the policy whereby he or she will become the main member.

If the person who will be paying the premiums each month misses two regular payments, the policy will unfortunately lapse and they will need to apply for reinstatement if possible. If the policy is not reinstated, the main member will need to take out a new funeral policy, and in this case, they would have the same waiting periods as a new policy. This new main member will need to be sure that they have enough money in their account to continue making regular payments for the policy.




WHEN DOES MY POLICY LAPSE?


A policy usually lapses after the non-payment of two consecutive premiums. It is therefore important that you pay your premium every month.

Your policy will have lapsed if you have missed these regular payments, which means that, unfortunately, you will be unable to make any claims if this happens.

You should always aim to make the payments every month on your policy, as this will ensure that you and your family will remain covered for the duration of your policy with us.




WHAT DOCUMENTATION DO I RECEIVE WHEN I TAKE OUT A POLICY?


​You will receive a policy document (participation certificate) that confirms a number of important points. For example, who is covered on your policy, the starting date of the policy, the applicable waiting periods, the amount you’re covered for and the applicable terms and conditions.
It is important to keep this documentation stored safely and in an easy-to-find place in case you need to claim or make any changes to your policy. If you do need to make a claim, you will need to fill in a claims form as well as a beneficiary form and include all the relevant documentation. This includes a certified and valid death certificate, the identity document of the beneficiary as well as documentation that you received when taking out the policy.




IS THERE REALLY NO MEDICAL UNDERWRITING?


Yes!No needles... No blood tests. We did all the hard work so you don't have to.




HOW MUCH IS MY FAMILY COVERED FOR?


The following benefits per member applies:

  • Main member - R100 000
  • Spouse - R75 000
  • Child aged 14-21 - R50 000
  • Child aged 6 -13 -R25 000
  • Child aged 1 -5 -R12 500
  • Stillborn -R7 500




CAN I INCREASE MY COVER?


Unfortunately not. For more cover please contact enquiries@titandc.co.za for a comprehensive traditional life policy.




WHEN WILL MY COVER START?


Your cover will start as soon as your first premium has been paid. Debit orders run from the 1st of the month. Any applications submitted and accepted before the 28th of the month will be active from the 1st of the next month.