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Financial planning

Overview

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Dynamic Life≫ Home Life Cover with Terminal Illness Benefit

In the event of your death, we will automatically settle your FNB Home Loan, unless you have specified a different beneficiary.

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Dynamic Life≫ Home Permanent Disability Cover

Dynamic Life&Bang; Home Permanent Disability is combined with Life Cover. This means it reduces your Life Cover by the amount claimed, but offers the advantage of more affordable premiums.

Permanent Disability pays between 25% and 100% (based on the severity) if you become impaired.

Examples of impairments include: Major burns, the loss or use of your hand or the permanent loss of hearing in both ears, or if you are unable to look after yourself due to a disability.

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Dynamic Life» Comprehensive Home Critical Illness

Helps reduce the financial strain in the event of illness and injury and provides up to 100% cover. To help you manage the financial burden of suffering from a serious illness, you get cover for a wide range of specified illnesses and injuries. It includes automatic child cover, that pays a lump sum amount if your child is diagnosed with a critical illness, and a future family benefit, that pays an additional 10% of your cover amount for a valid cancer claim, to use towards fertility preservation treatment.
Dynamic Life» Comprehensive Home Critical Illness is combined with your Life Cover. This means it reduces your Life Cover by the amount claimed but offers the advantage of more affordable premiums. Cover pays on diagnosis and includes illnesses and injuries that you could recover from.
Examples of critical illnesses include: Cancer, heart attack, strokes and coronary bypass grafts.

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Dynamic pricing - premiums automatically adjust with your FNB Home Loan

With the Dynamic Life≫ Home Plan, you will be covered for the outstanding amount on your FNB Home Loan. Your cover and your premiums are directly linked to your outstanding Home Loan balance and will automatically adjust as the outstanding balance changes. This ensures you don't over pay for cover that you don't need.

The difference between Dynamic Life≫ Home and Mortgage protection

Dynamic Life≫ Home Mortgage Protection Plan
What this cover is based on Outstanding balance of FNB Home Loan up to R100 m Outstanding balance of FNB Home Loan up to R1.5 m
How premium is calculated Based on individual risk Based on gender, smoker and employment status

What cover is included:
Life cover Yes Yes - settlement of outstanding balanc
Critical Illness Yes (optional) No
Permanent disability Yes (optional) Yes - settlement of outstanding balance
Temporary disability No Yes - covers monthly installment up to 12 months
Inability to earn an income/retrenchment No Yes - covers monthly installment up to 12 months

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Qualifying criteria

  1. You need to have an FNB transactional or RMB Private Bank transactional account
  2. Have an active FNB Home Loan

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Documents needed

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Retrenchment benefit

Helping you secure and protect your income

Let us help you protect your income by adding cover for retrenchment or inability to earn an income.
Plus, you only pay for the cover you need because your monthly premiums and cover amount automatically change with the balance of your home loan.
The benefit will help you manage your monthly financial obligations.

Dynamic Life:

Summary of benefits include:

  • Cover period of up to 12 months or until customer finds new employment
  • Cover for both retrenchment or an inability to earn an income

Important benefit exclusions to note:

  • Pays the monthly home loan instalment for duration of the claim.
  • Cover does not pay out if you only have a partial loss of income.
  • Cover does not pay out if you were aware of your retrenchment during the 3 months before the start of this cover or if
    you are retrenched during the first 3 months of cover.
  • Benefit ends at 65 years.
  • A 3-month waiting period will apply where no claim will be paid from the benefit start date (or reinstatement) and from the date of your last retrenchment benefit claim payment, for any subsequent claim.

Protect your home with Dynamic Life

In the event of your unforeseen death, disability or critical illness, we've got you covered with Dynamic Life≫ Home, insurance which is designed to automatically change as your Home Loan changes. Keeping you perfectly protected.

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For complete peace of mind

We understand that your home means everything to you and your family. We also know that life happens and circumstances can change unexpectedly. This is why it is so important to ensure that your home is secure. In the event of your unforeseen death, disability or critical illness, we've got you covered with Dynamic Life≫ Home.

Pay for the cover you need

You can save on average between 25% and 50% in life insurance premiums with Dynamic Life≫ Home because your monthly premiums and cover amount automatically change with the balance of your home loan. You only pay for the cover you need.

Get Life Cover up to R100m with Terminal Illness

Add options that suit your needs

Customised Life Cover with Terminal Illness Benefit

Pays 100% of the outstanding amount of your Home Loan in the event of your death or terminal illness.

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Retrenchment Benefit

Make sure your loved ones can keep your home if something happens to you. You will be covered for the outstanding amount on your FNB Home Loan.

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Permanent Disability Cover

Pays out 100% of your outstanding Home Loan amount if you become permanently disabled and can't perform your job.

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Critical Illness Cover

Pays out 100% of your outstanding Home Loan balance if you suffer from one of the 33 specified illnesses and injuries.

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Get dynamic pricing

With the Dynamic Life≫ Home Plan, you will be covered for the outstanding amount on your FNB Home Loan. Your cover and your premiums are directly linked to your outstanding Home Loan balance and will automatically adjust as the outstanding balance changes. This ensures you don't over pay for cover that you don't need.

> View difference between Dynamic Life≫ Home and Mortgage Protection Plan

Earn up to 40% back in eBucks

If you meet the qualifying criteria, you can earn up to 40% of your FNB Life premiums back in eBucks every month.

As an FNB Premier, Private Clients, Private Wealth or RMB Private Bank account holder, you earn up to 2 500 points towards your eBucks reward level each month.

eBucks Rewards Terms and Conditions apply. For more details on the eBucks Rewards programme, and how to become a qualifying member, please visit www.eBucks.com .

 

Applying made easy

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Qualifying criteria

Documents needed

First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider 1929/001225/06 (NCRCP20).