A male age 35 can get R1 000 000 Life cover from R418p.m.  For an extra R243pm, he can also get  R500, 000 Core Dread disease and R500, 000 Functional Impairment cover.

All it takes is a quick 3 minute questionnaire to create a quote specific to your needs.  We do the HIV+ loadings upfront so you don’t get a nasty surprise later on in the process.  It is important that your cd 4 loadings are above 350 and your viral load must be below 500.

There are approximately 5.4 million South Africans living with HIV and up until recently, trying to get Life Cover just wasn’t an option.  Even after having HIV in our world for 34 years, there is still a general lack of knowledge on this topic.

One of the many mistaken beliefs is that Life Insurance for individuals with HIV is impossible. This is not true.  Insurance companies felt the risk was too high but this began to change when, after the introduction and success of Highly Active Antiretroviral Therapy (HAART) which prolonged the lives of many people who are living with HIV and HIV+ became viewed as a chronic disease and was no longer viewed as a death sentence anymore.  Another mistaken belief is that, if HIV individuals get life insurance, it will be very expensive.  Like any other individuals with chronic conditions, such as cardiac problems or diabetes, the client ought to provide the official documents concerning their medical conditions.  They also go through the very same medical exams and interviews to identify which plan covers their specific requirements.

The sooner you detect the presence of the HIV virus and start your treatment, the longer you will live.  Ultimately you should start the treatment before the virus has had the chance to cause too much damage to your immune system.

Nowadays life insurance for people with HIV is becoming increasingly affordable.  The main reason for this is the improved life expectancy of infected people – which is nearly as long as that of uninfected people.

Being HIV+ has an impact not only on you as an individual but on your loved ones as well.  Life Insurance is highly recommended because essentially Life Cover is not for you but for the people you care about.

In light of the above information, Triarc has developed three life benefits to suit any kind of need.

• Life Cover

Consider this as a way to ensure that your partner or family will survive financially and be able to pay the bills when you are no longer around to contribute. You can also use Life Cover to protect them from the burden of your debt when you die.

When you take out the policy you can elect that the benefit grows annually to keep up with inflation or your needs.  Your premium will then be increased annually to match the increase in benefit.  This is typically voluntary so you can choose to stop it at any point.

• Functional Impairment Cover

With Functional Impairment Cover there are conditions under which you could get full or partial pay-outs due to injury or disease even if you are still able to do your job.

• Dread Disease Cover

Dread Disease Cover pays a lump sum in the event that you get diagnosed with a dread disease, and which often comes with debilitating expenses.  This diagnosis needs to meet the requirements of one or more of the defined dread disease claim events as shown in your policy document in order for the claim to be valid.

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