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Credit Life

Welcome to hassle free savings on your unsecured credit agreements in under 5 minutes!

What is credit life insurance
Credit life insurance is insurance that covers the outstanding debt on your accounts in the event of your death, disability or retrenchment. Most lenders insist that you have this insurance on your accounts. If you have vehicle finance, credit cards, loans or retail credit, we are able to reduce your monthly instalments by 5% every month – we do this by reducing the premium payable on your credit life insurance which you take out with us directly.

What we do
We look at your credit profile to make an estimation of how much you are paying on your credit life insurance policies with all your lenders, and offer you a single credit life policy that replaces these at a lower cost.

Do I need to go through a new waiting period?
Not necessarily. The waiting period is usually calculated from the date of commencement of our policy. However, if you had another active policy with similar benefits in the past 90 days, the waiting period will be determined from the commencement of that policy. During the waiting period you receive limited or no cover. In other words, you are not allowed to claim even though the Policy has commenced. The main reason for imposing a waiting period is to prevent clients from purposefully taking out a policy only to immediately submit a claim. Due to the fact that waiting periods reduce this risk, they also reduce the insurance premium or potential impact of further increases.

If you allow us to assist you, you won't pay any additional charges to replace your policy. Clientèle Life Assurance Company Limited is an authorised financial services provider, FSP 15268.

Who we can help?
18-65-year olds
Currently working
With unsecured debt: credit cards, loans or retail credit

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