It is possible, and often a good idea, to have more than one type of Life Insurance cover or benefit on the same policy. For example, you could have one policy with both Death and Disability cover. Combining cover benefits on the same policy will often reduce the policy administrative costs, which means you get a reduced premium.
When you combine Life Insurance cover on the same policy like this, you can either have them "stand alone" or "accelerated".
When these cover benefits are stand alone, it means that if you claim on one, it will not affect the cover amount on the other. For instance, if you have R2mil Death Cover and R1mil Disability cover and you claim on your Disability cover, the R2mil Death Cover remains untouched.
When they are accelerated, it means that if you put a claim in for the R1mil Disability cover, your Death cover is reduced to just R1mil. Because of this you will pay a reduced premium for accelerated benefits which makes it more affordable.
You can discuss this in more detail with your agent to make sure you make the right decision.