R 25 000 accidental death cover at no cost to you.

Valid for 12 months from activation


1. About this Personal Accident Plan
This Personal Accident Plan is designed to provide a once-off cash payment in the event of death of the Insured Person as the direct result of an Accident in the circumstances set out in the Policy. South African law applies to this Policy. 
The Policy provides R 25 000 Accidental Death Cover, valid for 12 months from activation. 

1.1 The information that forms part of your Policy
The following documents and information form part of your Personal Accident Plan and must be read together as one document:

  • The information you provided when you applied for the Personal Accident Plan
    This refers to any and all information provided whether over the telephone, electronically or in paper format.
  • A Policy Schedule
    This sets out the details of the person who is insured, the Commencement Date, the Policy Benefits, details of the nominated Beneficiaries, the Premium payable.
  • Terms, conditions and exclusions
    The terms, conditions and exclusions, outlined in this document.

1.2 The Policy Owner and Insured Person

  • The Policy Owner has the right to designate a named beneficiary and make changes to that designation at any time.
  • The Insured Person must be ordinarily resident in the Republic of South Africa. For the purpose of the Policy, ordinarily resident means the Insured Person resides in the Republic of South Africa and regards it as his or her permanent home. The Policy Owner must inform The Insurer in writing if an Insured Person leaves the country for a consecutive period of more than three months.
  • If an Insured Person does leave the country for more than three months, The Insurer may at its discretion impose additional terms and conditions for the continuation of the Policy, including an increase in Premium or suspending the cover until the Insured Person returns to the Republic of South Africa. If The Insurer is not informed, The Insurer may at its discretion repudiate a claim and/or terminate the Policy, in which event Premiums will not be refunded.
  • The Policy cannot be ceded to another person or entity, and has no surrender value.


These definitions apply throughout the Policy.


Accident An unplanned and unexpected event which is caused solely and directly by violent, external, physical and visible means that is not traceable, even indirectly, to the Insured’s state of mental or physical health before the event.

AllLife (Pty) Ltd.

Benefit A lump sum cash payable as recorded in the Policy Schedule.

The person(s) nominated to receive any Benefits paid under this Policy. 

Commencement Date

The date when the Policy takes effect as recorded in the Policy Schedule.

Insured Events

The Policy covers the Insured Persons in the event of death due to an Accident. 

Insured Person

The person(s) accepted for cover under this Policy as recorded in the Policy Schedule.


Old Mutual Alternative Risk Transfer Limited (OMART), a licensed Life Insurer.


A contract between the Policy Owner and The Insurer as set out in the Policy Schedule and the Terms, Conditions and Exclusions included in this document, and is governed by the laws of the Republic of South Africa.

Policy Owner

The policy owner is the contract owner as recorded in the Policy Schedule.

Policy Schedule

Details of the Insured Person(s) Policy Benefits, Premiums payable, relevant disclosures provided in the application form, and the terms and conditions referring to them.


The total monthly payment payable to maintain the cover under this Policy.

The Insurer

OMART, a registered South African life company which underwrites this Policy and against whom a claim may be registered in terms of this Policy.

Terms, Conditions, and Exclusions

3.1. Give us relevant, true and complete information

The information given to The Insurer and AllLife in the application for this Policy, (Refer to 1.1 above), forms the basis upon which this Policy is issued and maintained.

Should the Policy Owner and/or the Insured Person provide false information or distort information, which has a material impact on The Insurers’ ability to assess the risk and/or to determine if the Life Insured qualified for the cover, example age, The Insurer will be entitled to cancel this Policy from the Commencement Date.  

If any claim under this Policy is in any respect fraud or if any fraudulent means or devices are used by the Policy Owner and/or the Insured Person or anyone acting on their behalf or with their knowledge or consent to obtain any Benefit under this Policy or if any event is caused by the wilful act or with the involvement of the Insured Person, the Benefit afforded under this Policy in respect of any claim shall be rejected.

3.2. Understand your Policy

Check your Policy Schedule

3.2.1 The Policy Schedule sets out important information about your Policy, including your cover and Benefit amounts. It is your responsibility to let AllLife know as soon as reasonably possible if any details are incorrect or changes. AllLife will amend your Policy and send you an updated Policy Schedule that reflects these changes for safe keeping.

Commencement and Termination 

3.2.2 The Policy and cover will commence on the date recorded in the Policy Schedule.

3.2.3 The Policy and cover will terminate on the date recorded in the Policy Schedule, or on

3.2.4 The date of death of the Insured Person.

Waiting Period

3.2.5 No general waiting period shall apply before an Insured Person is covered for the insured event.

Insured Events

3.2.6 An insured event occurs when the Insured Person dies as a result of injuries sustained in an accident, provided that the accident occurs after the commencement of the Policy, and the death occurs within 30 days of the Accident.

3.2.7 Wilful self-inflicted harm, suicide or attempted suicide is not regarded as an Accident.


3.2.8 Premiums are paid by AllLife.

Nominated Beneficiary (ies)

3.2.9 The Policy Owner may nominate one or more Beneficiary (ies) to receive payment of the death Benefit in the event of the death of the Policy Owner, by notifying The Insurer in The Insurer’s prescribed format.

3.2.10 If no nomination is received by The Insurer prior to the death of the Policy Owner, or the Beneficiary(ies) nomination is invalid due to the nominated Beneficiary(ies) not surviving the Policy Owner, or the nomination not being in the prescribed format, then the Benefit will be payable to the Policy Owner’s estate.  

Benefits Payable

3.2.11 The Benefit will only be payable provided a valid claim has been submitted to the Insure, and is payable to the nominated Beneficiary/ies.

3.2.12 The amount payable in the event of the accidental death of the Insured Person, is indicated in the Policy Schedule.  

3.2.13 No investment, surrender or loan values are payable in terms of the Policy.

3.2.14 No interest shall be payable by the Insurer on any Benefits.

Amendment of Terms and Conditions 

3.2.15 The Insurer may amend the terms and conditions by giving The Policy Owner 31 day’s prior written notice.  An updated version of the terms and conditions will be forwarded to The Policy Owner at the last known address in possession of The Insurer.

3.3. Exclusions

No Benefit will be payable if the insured event, directly or indirectly, is caused by, arises or results from, is contributed to by, or is traceable to:


  1. war, invasion, act of foreign enemy, hostilities (whether declared or not), civil war, mutiny, insurrection, rebellion, revolution, military or usurped power,
  2. participation in Labour disturbances, riots, demonstrations, strikes or lock-outs,
  3. acting in the course and scope of employment in military, naval, air or police services of any country or international authority,
  4. wilful exposure to danger (except in an attempt to save a human life), intentional self-inflicted injury, or suicide or attempted suicide,
  5. engaging in aviation, other than as a fare paying passenger in a fixed wing aircraft, provided and operated by an airline or air charter company, which is duly licensed for the regular transportation of fare paying passengers,
  6. the influence of alcohol or an injury or illness sustained when the blood alcohol content of any Policyholder exceeded the level permitted by the road traffic laws of the country where the hospital confinement and/or bodily injury took place, or the influence of drugs or narcotics, unless administered by a registered member of the health profession or unless prescribed by and taken in accordance with the instructions of a registered member of the health profession, and not for the treatment of drug addiction, 
  7. elective, experimental or cosmetic surgery or any voluntary treatments,
  8. mental or nervous disorders or disease,
  9. any involvement in any criminal activity as a willing participant,
  10. hazardous activities such as, but not limited to, bungee jumping, racing and extreme sports, or
  11. Exposure to radioactivity, atomic energy, nuclear reaction, terrorism, nuclear or biological or chemical hazards and warfare agents.

3.4. Claims

3.4.1 All Claims must be submitted to AllLife (on behalf of The Insurer) within the prescribed period recorded in the Policy Schedule. If this is not done then the claim will not be considered by The Insurer and therefore not paid.  

3.4.2 The claimant must supply all required documentation and other information that is reasonably requested by The Insurer, at the claimant’s expense.  

3.4.3 Upon the admission of a valid claim, the Benefits shall be payable to the nominated Beneficiary (ies).   

3.4.4 Once a claim has been paid, The Insurer shall have no further liability towards the claimant. 

3.4.5 Should The Insurer reject the claim, the claimant may, within a period of 90 days dispute the decision and make a representation against this decision, by addressing written communication directly to AllLife, or The Internal Complaints Department of Old Mutual Alternative Risk Transfer Limited (OMART). Old Mutual Alternative Risk Transfer Limited (OMART) will respond in writing within 45 days.

The claimant is also at liberty to approach the Long Term Insurance Ombudsman should they have a complaint against The Insurer, Old Mutual Alternative Risk Transfer Limited (OMART), or the FAIS Ombudsman should they have a complaint against the Intermediary, AllLife.

If we persist in our rejection or dispute of the claim after representations have been made, the claimant may consult a lawyer who should institute the action within 180 days or 6 months after the expiration of the 90 day period referred to above to avoid losing their entitlement to claim. 

If legal proceedings is not instituted within that time the claimant will no longer be entitled to claim the Benefit under the Policy. 

3.5. Dispute Resolution

In the event of any dispute, other than claim handling, arising between The Insurer and the Policy Owner in respect of the Policy, the person(s) shall in good faith take all reasonable and necessary steps to resolve the dispute. If no agreement is reached within 10 business days, a notice to terminate, will be issued, where after 31 days, the policy will be terminated.



4.1. What do I do if I need more information?


AllLife will gladly attempt to resolve any questions or problems you may have regarding this policy.

Customer Care:

0861 255 543


Claims Department:

0866 171 888


Compliance Department:

PO Box 787159, Sandton, 2416


Please always include your ID Number and your policy details when communicating with AllLife.

The Insurer undertakes to settle all valid claims as quickly as possible following receipt of all required documentation. Should the Policy Owner or Beneficiary have any query or complaint regarding the settlement of any claims or is in any way unhappy about the service that they have received, they may contact the Compliance Department. 

If the inquiry is not satisfactorily resolved, the Policy Owner or Beneficiaries may contact:

Old Mutual Alternative Risk Transfer Limited (OMART)

(021) 504 6423

PO Box 66, Cape Town, 8000


If still not satisfactorily resolved, the Policy Owner or Beneficiaries may contact:

Long Term Insurance Ombud

0860 662 837 / (021) 657 5000

(021) 674 0951

Private Bag X45, Cape Town, 7735


FAIS Ombud

0860 324 766

(012) 348 3447 / (012) 470 9080

P.O. Box 74571, Lynnwood Ridge, 0040




OMART may use your information or obtain information about you for the following purposes:


AllLife may use your information or obtain information about you for the following purposes:

  • Underwriting
  • Assessment and processing of claims
  • Credit searches and/or verification of personal information
  • Claims checks 
  • Tracing beneficiaries
  • Fraud prevention and detection
  • Market research and statistical analysis
  • Audit & record keeping purposes
  • Compliance with legal & regulatory requirements
  • Verifying your identity
  • Sharing information with service providers including appointed administrators (AllLife as at time of policy issue) we engage to process such information on our behalf or who render services to us.  These service providers may be abroad, but we will not share your information with them unless we are satisfied that they have adequate security measures in place to protect your personal information.

You may access your personal information that we hold and may also request us to correct any errors or to delete this information. In certain cases, you have the right to object to the processing of your personal information.


You also have the right to complain to the Information Regulator, whose contact details are:

012 406 4818

086 500 3351





The Old Mutual Group [of which OMART is a subsidiary] would like to offer you ongoing financial services and may use your personal information to provide you with information about products or services that may be suitable to meet your financial needs.


AllLife would like to offer you ongoing financial services and may use your personal information to provide you with information about products or services that may be suitable to meet your financial needs.


If you prefer to no longer receive such information and/or financial services from:

The Old Mutual Group: Please sms your ID number to 30994 

To view the Old Mutual Group full privacy notice and to exercise your preferences, please visit our website on https://www.oldmutual.co.za/privacy-notice/

AllLife: Please visit our website on www.alllife.co.za to view the AllLife full privacy notice and to exercise your preferences.