They have a simple application process a phone call away. The promise you cheap life cover. You can get basic insurance in case of the death of any income provider in the family. You can get dread disease cover to pay for all the medical bills that your health scheme does not pay. There are female dread disease protection in case of any cancers, emergencies or even legal protection. There is disability protection in case you is permanently disabled and can no longer provide an income in the household. You can even add a funeral cover to your life plan. Then, there is another type of investment option namely unit trust (from R500 per month).