Can I redeem my CashBack to qualify for this policy?

• Yes, If you use your CashBack to activate your policy in November 2008, you will qualify for a reduced waiting period of 3 months
• If you use your CashBack to pay your premium in advance [November 2008] for the year, you will qualify for immediate cover
• You can also use your available CashBack to pay for a specific number of months in advance
• You can also use your CashBack to pay monthly if you have sufficient CashBack on your card

   What are the waiting periods?

• 6 months for natural causes
• Immediate cover after receipt of 1 st premium – unnatural causes
• 3 months [natural causes] if you activate your policy by redeeming your CashBack in November 2008
• Immediate cover [natural causes] if you redeem your CashBack and pay your annual premium in advance in November 2008 or if you pay your annual premium in advance [November 2008] by EFT

  What do I receive when I take out this policy?

• A welcome letter
• A participation certificate

This will be posted to you after KGA has received your first premium

  Can I upgrade from one plan to another?

• Yes, but only in November of each year

  When does my policy cancel?

• After 2 consecutive non payment of premiums

   What is the maximum entry age to participate?

• 65 years

   Can I add my parents to this policy?

• No, it is only for you, your spouse and 5 biological children

   Who is KGA Life Limited?

• KGA Life Ltd is a national licensed financial services provider. We have been in operation for more than 20 years. Our products are uncomplicated, affordable and backed by exc ellen t service at our various branches throughout South Africa . KGA specializes in Funeral Insurance and has a major footprint in the funeral industry

   How can I pay my premiums?

• By Debit order
• By Redeeming your CashBack

   How do I qualify for immediate cover?

• By redeeming your CashBack and paying the full annual premium in advance [November 2008]
• By depositing the full annual premium in advance [November 2008]

   Does the special offer only apply in November 2008?

• Yes

   Do I have to wait 6 months before I can make use of the KGA Assist benefits?

• No, the benefits are available immediately after the first premium has been received by KGA

   How many children can I cover on the policy?

• 5

   How long do I have to submit a claim?

• Three [3] months from the date of death

  When does my membership commence?

• On the 1 st day of the month following receipt of the 1st premium

   Will I need to undergo a medical examination?

• No, there are no medical requirements and no illnesses are excluded

   Do any other exclusions exist on the policy?

• The only exclusion that exists is for suicide, which is excluded for a period of 24 months

   Can I cover my grandchildren / foster children under my policy?

• No, cover is extended to the member / spouse’s biological children and legally adopted children only.

   How long does it take for my claim to be paid and is it a complicated process?

• KGA prides itself on the fact that all valid claims are paid within 24 hours, directly into the next of kin’s bank account. Our process is uncomplicated and our staff are adept at assisting you with the claims process

   Define “accidental death”

• “To insure the insured against the event of bodily injury caused by violent, accidental, external and visible means which leads to the death of the insured within 6 (SIX) months of the happening of such event. The accident must be the sole cause, independent from any other cause, of the death of the insured.   
• In support of this, there must be at least the following two [2] chains of causation:
• The death must be caused by the bodily injury,
• The bodily injury must be caused by an accident.

   What exclusions are there regarding “accidental death” benefits

• The following exclusions will apply:
• Air travel except as a passenger
• Suicide or intentional self-injury
• Influence of alcohol, drugs or any related narcotics
• War
• Deliberate exposure to exceptional danger or criminal acts
• Professional sport
• Nuclear risks
• Acts of terrorism
• Pre-existing medical conditions

   If I have chosen Plan A and I pass away as a result of an accident, what benefits will be paid out to my beneficiary?

• R5 000 funeral cover +
• R10 000 accidental death benefits +
• Family can contact KGA Assist to help with the funeral arrangements and repatriation of the body to the funeral parlour closest to the place of burial anywhere within RSA

   Can I buy this benefit without CashBack?

• Yes. You can pay for the Lifestyle Plan by monthly debit order or cash upfront. If you elect to go this route the normal waiting period as listed in 2 will apply.