​Glacier Topcover Life Insurance

Excellent life cover at attractive rates with the flexibility to add to your benefits.

Your death does not have to mean financial difficulty for your family. Life insurance can help your loved ones take care of their needs and expenses after you're gone. The level of cover you need depends on your personal needs and circumstances. We recommend that you speak to a financial planner to help you select the most appropriate cover.


  • Your family can take care of their financial needs, which means they are not financially burdened when you pass away. Life insurance can help your family cover:
    • Funeral costs
    • Costs associated with the administration of your estate
    • Repaying outstanding debt
    • Regular living expenses
  • Your beneficiaries do not pay tax on the proceeds of your life insurance

How it works

  • You make regular contributions until your death
  • When you die, your nominated beneficiaries receive a tax-free lump sum payment. The amount depends on your specific policy

How much you will pay

The cost of the insurance will depend on your age and your risk profile when you take out the policy.

How much personal cover do you need?

Discussing the following questions with your financial planner can help determine the amount of personal cover you need.

  • Your lifestyle:
    • How many people are dependent on you for support and care?
    • Does anyone in your family have special needs?
    • Could your parents become dependent on you for support?
  • Your financial circumstances:
    • Does your spouse earn an income? Is this income enough to sustain your lifestyle if you cannot contribute?
    • How much outstanding debt do you have?
    • Will your children be able to get an education if you don’t earn an income?