Clientèle Life Insurance provides affordable, cashback-enhanced life cover options tailored to South Africans across income levels. With premiums starting from just R126 per month, it offers four distinct plans, each catering to different coverage needs—from basic accidental cover to full life insurance with up to R10 million in benefits.
📋 Clientèle Life Insurance Plans Comparison
| Plan Name | Starting Premium | Cover Amount | Medical Exam | Key Features |
|---|---|---|---|---|
| Standard Plan | R282/month | R50,000 – R200,000 | No | Cashback every 5 years, 75% payout on terminal illness, funeral payout in 24h |
| Ultimate Plan | R338/month | Up to R200,000 | Yes | 50% cashback at retirement, funeral benefit of R20,000, 75% early illness payout |
| Premium Plan | R250/month | Up to R10 million | Blood test | Disability & critical illness cover up to R5m/R3m, optional cashback |
| Accidental Death | R126/month | Up to R100,000 (accident only) | No | Family cover option, fast funeral payout |
🧩 Plan Details
1. Clientèle Standard Plan
- Entry-level cover with affordable premiums starting at R282/month.
- Cover range: R50,000 to R200,000.
- R10,000 funeral payout within 24 hours.
- Cashback every 60 premiums (every 5 years).
- No medical examination required.
- 75% payout on terminal illness diagnosis.
2. Clientèle Ultimate Life Plan
- Includes retirement cashback benefit—50% of premiums back at age 65.
- Covers up to R200,000, with premiums from R338/month.
- Includes R20,000 for funeral costs within 24 hours.
- Terminal illness payout: 75% in advance.
- Available to those under 50 for the cashback benefit.
3. Clientèle Premium Plan
- High-value cover up to R10 million, with premiums from R250/month.
- Requires a blood test only—no full medical exam.
- Optional add-ons:
- Disability cover: Up to R5 million.
- Critical illness cover: Up to R3 million.
- Cashback options available.
4. Clientèle Accidental Death Plan
- Covers accidental death only, from R126/month.
- Payout up to R100,000.
- Ideal as a top-up to a life cover without accidental protection.
- Family members can be added to a single plan.
👍 Advantages
- ✅ Cashback rewards across multiple plans.
- ✅ No paperwork or full medical exams (only basic health questions or blood test).
- ✅ Fast claims process—funeral payouts in 24 hours.
- ✅ Mobile app and phone-based claim support.
- ✅ Plans accessible to lower- and middle-income South Africans.
👎 Disadvantages
- ❌ Standard and Ultimate Plans capped at R200,000—may be too low for some.
- ❌ Ultimate cashback benefit only applies if you’re under 50 at policy inception.
- ❌ Premium Plan requires a blood test, which might deter some applicants.
🌍 Who Should Consider Clientèle?
Choose Clientèle Life Insurance if you:
- Need quick and simple coverage without paperwork.
- Want cashback on premiums for long-term value.
- Prefer mobile app-based claims and account management.
- Want high cover (R10m) without paying high premiums.
It may not suit you if:
- You’re looking for a guaranteed premium freeze.
- You require customisation beyond the 4 preset plans.
🧠 Final Verdict
Clientèle Life Insurance stands out in South Africa for its cashback offerings, affordability, and no-hassle claims process. It caters well to those who want essential cover, as well as those looking for comprehensive protection up to R10 million. If you’re budget-conscious but still want meaningful benefits and the security of a known insurer, Clientèle is a strong contender in 2025.
📌 Key Takeaways
- 4 plan options—from R126 to R338+ per month.
- Cashback every 5 years on most plans.
- Funeral benefit within 24 hours of death.
- Accessible even without full medical check-ups.
- Up to R10 million in life cover (Premium Plan).
