Matrix Disability Cover

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

Matrix Disability Cover offers maximum choice and flexibility as well as higher cover amounts at attractive rates. You can combine life insurance, disability cover, critical illness cover and income protection with additional offerings, such as accident cover. The type and 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.


Protect and maintain your standard of living when you can no longer earn an income by covering your necessary expenses, including:

  • Your family's basic living expenses
  • Expenses related to adjusting your home and car to support your disability
  • Our 3-in-1 cover pays for recognised, occupational and personal disability, including:
    • Loss of limbs
    • Disabilities that affect your employment
    • Conditions that leave you unable to take care of yourself
  • For enhanced cover, you have the option of combining your disability cover with the Whole Life Impairment Benefit, which will provide you with disability cover until the age of 70 or retirement - whichever comes first. It also covers you for impairments common in older people (like sight and hearing loss) even into retirement.

How it works

You make monthly payments until you become disabled, reach retirement or reach the age of 70 (if you have the Whole Life Impairment Benefit). If you become disabled, you will receive a tax-free one-off pay-out.

How much you will pay

The cost of the insurance will depend, among other things, on your age and your risk profile when you take out the plan.