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Life Insurance

Simpler, smarter life insurance

We’re changing how life insurance works, to work with your life.

We’ve made it simpler, giving you the control of choosing what really suits you and your needs.
With easy-to-understand choices in straightforward language, and an application process that takes minutes, right from your phone.

All because we believe life insurance shouldn’t get in the way of living life.


Life Cover

We understand that you want to be confident that your family will be taken care of financially when you’re no longer around.


We’ve kept your options simple:

Receive comprehensive cover up to R10 million, with the flexibility to add on benefits such as Critical Illness and Disability Cover.

An Immediate Cash Benefit

To help you deal with life’s complexities, Life Cover also offers you:

An amount within 24 hours to help with unforeseen expenses – all at no additional cost, provided your beneficiary is 18 years or older and has an FNB/RMB Private Bank transactional banking account for at least 24 months at the date of the claim.

Standalone Cover

We understand that illness or injury can have a significant financial impact on you, which is why we cover you for 33 specified illnesses and injuries. To further help you financially, when a claim is approved, you’ll make no premium payments for six months.

Pays out up to three times and does not affect your Life Cover amount when you claim.


Comprehensive Disability Cover

Dealing with disability can be emotionally, physically and financially challenging. We also understand that everyone has different circumstances. This is why we offer you a choice of cover to best help you if you become permanently disabled.

Pays out a cash lump sum when you can no longer perform your own occupation (even if you can perform a similar one) or care for yourself.

Whichever option suits your needs, you have the flexibility of selecting either:

Standalone Cover – Pays out without affecting your Life Cover amount when you claim.

Combined with Life Cover – Reduces your Life Cover by the amount claimed, but offers the advantage of more affordable premiums.

You’ll also get a 6-month Premium Waiver Benefit, which means you’ll make no premium payments for six months when your claim is approved.


Click below and download our mobile app.

Q Unlock more value with Easy

Easy Bundle at R58 pm
Ideal for those looking for inclusive value

Best banking value with a single fee for a bundle of FREE transactions each month, ideal if you use your account many times in a month.

A combination of 10 FREE electronic transactions
FREE FNB ATM cash withdrawals and cash deposits of up to R3000 pm each
FREE FNB Connect Airtime purchases using electronic channels
Get up to R15 back in airtime when you shop at USave, Checkers & Shoprite with your Easy Card.
Free Cash@Till® withdrawals*
(*Cash withdrawals up to R3 000 per month (including Slimline, Cash@Till®)
Pay-As-You-Use from R5.75 pm
Ideal for those looking for the basics

No-frills banking with a low monthly fee and FREE Savings Account with competitive interest rates. Ideal if you do not do too many transactions on your account every month.

FREE Cellphone Banking mini statements
FREE balance enquiries on electronic channels
Purchase airtime or data when you need it
FREE card purchases
All the benefits of PAYU and more
Cash@Till® withdrawals*
(*cash withdrawals charged at R1,40 per transaction)

Q Earn eBucks for doing everyday things

Your reward level is linked to the products you hold in eight FNB product groups. Each product group is linked to a reward level. Subscription to eBucks rewards is absolutely free.

There are three steps you'll need to follow to earn eBucks:

You need to meet the qualifying requirements that are specific to your FNB Encore Gold Account(s).

Move up a reward level
Once you've qualified, you'll be able to move up a reward level by holding products from eight FNB product groups. Every product group represents a new reward level.

Once you've qualified and your reward level has been determined, you'll be ready to earn eBucks.

For detailed information on how to qualify, earn and spend your eBucks Rewards please visit

Q What this is Insurance that works for your practice

We understand that the unforeseen can happen to any medical practice. Without cover agains potential risks, your practice is left defenceless. That's why we offer you an insurance solution that gives you the peace of mind that your medical practice is protected from the unexpected.

Q What you get One solution for all your medical insurance needs

What are the benefits of our medical practice insurance?

A solution that includes personal lines insurance which covers your personal assets (e.g. car, home, all-risks) and business insurance to cover your medical practice (e.g. furniture, equipment, building contents).
Medical Malpractice cover of up to R30-million.
Dispensing risk is covered up to R20 000.
Forcible entry stipulation is not required under the theft section.
Errors and Omissions and Public Liability insurance including assistance for HPCSA Hearings.
As an FNB client, you will receive preferential rates for your medical practice.

Q We're here for you

As an experienced and well-established insurance provider, FNB Insurance Brokers will support you with professional guidance from our specialists who will investigate, advise and structure an appropriate, cost-effective solution for your practice.

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Additional Details

  • By Appointment Only:no
  • EFT Payments Accepted:yes
  • Can I use EBucks?:yes
  • Maestro Accepted?:Yes
  • Accept Cash?:Yes
  • Accept Master or Visa?:Yes
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  • Accept Paypal?:Yes
  • Accept Debit & Credit Cards:Yes