Prime Meridian Direct
REQUEST A CALLBACK
Cellphone number is incorrect
Please Call me back for:

COMPARE PMD LIFE COVER PRODUCTS

  • Provides
    cover for

  • MAX SUM ASSURED
  • GROWING COVER
  • GUARANTEED PREMIUM
    irrespective of your age
  • FIXED PREMIUMS
    for the life of the policy
  • DEATH & DISABILITY COVER
  • TERMINAL ILLNESS BENEFIT
  • PRE-EXISTING CONDITIONS
  • FAMILY PLAN
  • INDIVIDUAL PLAN
  • IMMEDIATE EXPENSES BENEFIT
  • PRIME LIVING COVERGROW

  • FROM AS LITTLE AS
    R449*PM
    FOR R1 MILLION COVER
  • R5 MILLION*(AGES 18-64)
  • COVERED AFTER A WAITING PERIOD
  • OPTIONAL
  • LEARN MORE
  • Provides
    cover for

  • MAX SUM ASSURED
  • GROWING COVER
  • GUARANTEED PREMIUM
    irrespective of your age
  • FIXED PREMIUMS
    for the life of the policy
  • DEATH & DISABILITY COVER
  • TERMINAL ILLNESS BENEFIT
  • PRE-EXISTING CONDITIONS
  • FAMILY PLAN
  • INDIVIDUAL PLAN
  • IMMEDIATE EXPENSES BENEFIT
  • PRIME LIVINGLEGACY

  • FROM AS LITTLE AS
    R140*PM
    FOR R50 000
  • R300,000(AGE DEPENDANT)
  • COVERED AFTER A WAITING PERIOD
  • OPTIONAL
  • LEARN MORE
*Terms and Conditions apply.

LOOKING TO BUY CHEAP LIFE INSURANCE?


Getting cheap quotes for life insurance and buying it in South Africa can be tricky. In some cases, it's worth taking independent professional advice before buying life cover. However, many people know what they want and would rather buy direct. If you feel you need advice, make sure you consult an independent financial advisor before making any commitments.


Some people may get disappointed when wanting to buy cheap life insurance, as they may have done too little homework, and end up wondering what kind of life insurance plan they really need. Once they have collected some information from the Internet and elsewhere they would be able to home in on a specific product that would meet their needs. In this way they could also avoid the nuisance of having to cancel a policy prematurely because, after all, it wasn’t what they wanted.


You can also trawl through life insurance price comparison sites, and quotation and cashback sites to find the best deal. That being said, it can take a long time and may become awfully confusing. You may find shopping for affordable life insurance simpler by going direct and speaking with a tele-agent who can quickly provide you with a full product explanation and pricing in just one call.


BUYING LIFE COVER DIRECT CAN POTENTIALLY SAVE YOU MONEY


Too often, we're sold insurance products that include significant broker commissions and high costs. Buying life insurance direct, by comparison, can be considerably cost-effective. For individuals looking for cheap life cover, additional heavy upfront broker commissions and medical examination costs can play a role in limiting your choice. Fortunately, there are several viable affordable life insurance alternatives.


WHAT ARE THE THREE SIMPLE THINGS TO REMEMBER WHEN PURCHASING LIFE INSURANCE?

1. WHEN SHOULD YOU BUY LIFE INSURANCE? THE SOONER THE BETTER! Traditional life insurers evaluate each applicant by using a process called "risk profiling". Issues like your state of health, and whether you are a smoker or not play a role. However, a key determinant in the premium you are quoted is your age. The sooner you purchase life cover the lower your premium.


2. WHAT INFORMATION DO YOU NEED TO PROVIDE? THE MORE INFORMATION THE BETTER! Be sure to declare fully all aspects of your current state of health and medical history. If you willfully withhold important medical information, it can lead to the rejection of a claim at a future date. When it comes to life insurance, honesty is always the best policy.


3. HOW MUCH LIFE INSURANCE COVER DO YOU NEED? The rule of thumb is 10 times your annual income, plus the total of all your debts (credit cards, personal loans, mortgage, car loans etc.), plus an estimate for final expenses that will have to be paid upon your death. In most circumstances, this amount of life cover should provide handsomely for your dependents to live on for some time into the future, so long as it is not wastefully spent.


AFFORDABLE LIFE INSURANCE AVAILABLE NOW

Certain health conditions can make life cover very expensive. If you have a pre-existing health condition, you have, what's known in the industry, as an "impaired" or "sub-standard" life. This means that you will pay considerably more than the average person who is in good health.


However, certain insurance businesses like Prime Meridian Direct ("PMD") have innovated Next Generation Personal insurance products that are extremely affordable, and can assist in overcoming these limitations and financial barriers.


For example, with PMD's Prime Living CoverGrow insurance, your age doesn’t count against you. You enjoy standardised rates that remain fixed throughout the duration of the policy – something unheard of in the industry! Moreover, your pre-existing conditions will not count against you and you're fully covered after just 36 months. Should you unfortunately succumb to a pre-existing health condition during that waiting period, all your premiums will be returned.


In short, you simply cannot lose with a PMD Prime Living CoverGrow policy. Shopping for affordable life insurance cover is easy. You can shop and compare quotes online all day if you like, or you can go directly to organisations like PMD and buy direct.


CONTACT PRIME MERIDIAN DIRECT’S CUSTOMER CARE


Click the link above for more information on our personal insurance plans, costs and benefits. Alternatively, you can contact our professional and friendly agents and get a quote telephonically by calling 011 745 7800.