Money

Need extra life cover? Now you can get it, quick-quick!

BrightRock's extra cover buy-up facility allows you to navigate change with ease.

BrightRock's extra cover buy-up facility allows you to navigate change with ease.

BrightRock's extra cover buy-up facility allows you to navigate change with ease.

At BrightRock, we don’t just accept that life changes. We love it. A new job, a bigger home, another child. These milestones shape your journey.

And thanks to our extra cover buy-up facility, it’s never been quicker or easier to make sure that your life cover keeps up.

We were the first in the world to offer needs-matched life insurance, cover that changes as your life changes.

Built right into your policy at no extra cost, our flexible features are designed for real life. That means less admin, less stress, and more time to focus on what really matters.

Maybe you’ve recently had a salary bump. Maybe you’re carrying a bigger bond. Or perhaps you’ve welcomed a new little family member.

Whatever’s changed, you can buy more cover – up to double your cover – without going through medical underwriting, by using our extra cover buy-up facility.

All you need to do is use it at least once every three years to benefit from not doing medical tests.

Why is this a game-changer? As we age, our health often changes too, and that can make qualifying for more cover tricky.

But with BrightRock’s extra cover buy-up feature, you can increase your protection even if your health has changed, subject to a few conditions.

You can increase your cover on all our benefits:

  1. You can buy cover of up to R40 000pm on our temporary expenses cover;

  2. You can buy permanent expenses cover of up to R10 million;

  3. Death cover also has a maximum limit of R10 million;

  4. You can increase your additional expenses cover to up to R6 million.

 

And because your policy is needs-matched, your cover is clearly structured around your needs in the event of a claim. We cover your household needs, childcare needs, healthcare needs, debt needs, death-related needs and additional expense needs. This covers you if you can’t work for a while, won’t ever work again, get sick or injured and incur additional expenses, or pass away.

That means you know exactly what you’re covered for, and what to increase, when life takes a new turn.

Your adviser can help you get this increased cover in a matter of minutes. The fastest a BrightRock client has gone from request to approval using the extra cover buy-up is just eight minutes!

Most of the time, it takes under four hours, all with the help of your financial adviser.

So if your life has changed, why shouldn’t your cover?

Reach out to your financial adviser today, or email us at service@brightrock.co.za, and we’ll help you upgrade your cover to match your life.

Please note that terms and conditions apply when you use the extra cover buy-up. Check your Owner’s Manual to see all the terms and conditions that apply to your cover. Contact your adviser or BrightRock for more information on our market-leading extra cover buy-up facility.

BrightRock Life Ltd is a licensed financial services provider and life insurer.

Company registration no: 1996/014618/06, FSP 11643. Copyright © July 2025 BrightRock.

All rights reserved. Terms and conditions apply.

BrightRock Life Ltd is a licensed financial services provider and life insurer.

Company registration no: 1996/014618/06, FSP 11643. Copyright © July 2025 BrightRock.

All rights reserved. Terms and conditions apply.

BrightRock Life Ltd is a licensed financial services provider and life insurer.

Company registration no: 1996/014618/06, FSP 11643. Copyright © July 2025 BrightRock.

All rights reserved. Terms and conditions apply.