Terms and Conditions

The insurance cover is underwritten by BrightRock Life Limited, a licensed financial services provider and insurer (Registration number 1996/014618/09, FSP Number is 11643) administered by Executive Underwriting Managers CC.
Your spouse or your other nominated dependants can keep this cover after your death: If you were to pass away, your surviving spouse or your other nominated dependants can choose to carry on with the policy and become the main member. They must contact the parlour within 31 days of your passing if they want to make this change.
Maximum entry ages: The maximum entry ages for you and your dependants are 65 and 21 for children (25 if the child is a full-time student).
Number of dependent children allowed on your plan: Up to six own children are allowed on the contemporary benefits included in your premium as the main member.
Waiting period: Your policy has to be in place for a specific waiting period before you or your dependants can claim. The waiting periods on this cover are six months for new dependants and re-joiners. No waiting period applies for reinstatements, unless you were still in your waiting period when your policy lapsed. You will then have to complete the duration of the waiting period still outstanding.
How you pay your premium to the parlour: You can pay your premiums using a debit order, stop order, cash, Pay@ or Flash. Premiums must be paid by the 15th of each month.
How to claim: You must submit your valid claims to the parlour within six months from the date of death. You must provide the parlour with all the required documents before BrightRock can process your claim.
You must provide the parlour with accurate information: BrightRock will cancel your policy immediately and will not pay any claims if it is found that you intentionally gave false or inaccurate information.
Maximum cover amounts: The amount paid out under this policy is limited to a maximum rand amount. This will depend on the plan you selected, which may not exceed R30 000 in total.
Grace premium period: BrightRock will cancel your cover and that of all your dependants if you don’t pay your premiums within 15 days after the due date.
Lapse of cover: Your policy will lapse if you fail to make two consecutive premium payments. The policy may be reinstated by resuming premium payments within 3 months of the last premium payment so long as all arrear payments are made. No waiting periods will apply for reinstatements.
Cancelling or replacing your policy: You can cancel your policy. You’ll lose all of your benefits if you cancel the policy. You must give the Parlour one month’s written notice before the effective date of the cancellation.
Claim documents to be submitted:
• A Fully completed BrightRock claim form;
• A certified copy of the official death certificate issued by the Department of Home Affairs;
• A certified copy of the deceased’s ID document;
• A certified copy of the ID document of the person making the claim;
• A fully completed SAPS statement in cases where the death was due to unnatural causes and a certificate of release, if applicable;
• A notification of death form (BI 1663) completed by the doctor who certified the deaf or an affidavit;
• Where applicable, a letter from the funeral parlour confirming that the deceased’s remains are with them (must be on a letterhead);
• Other supporting documents (such as proof of marriage or proof of relationship to children), if applicable;
• In the case of a stillbirth, you need to give BrightrRock a notification of the stillbirth (BI 1663) or a copy of the antenatal card, or a letter from the hospital, or a letter from your traditional leader;
• Proof of banking details of the beneficiary (the person who will receive the pay-out); and
• Any other information Seetsa Finance (Pty) Ltd requires from you.
General exclusions: BrightRock will not pay your claim in the following circumstances:
• Suicide or attempted suicide within the first 12 months of the beginning of the policy or cover, whether the insured life is of sound or unsound mind;
• Participation in any terrorist activity, riot, civil commotion, rebellion or war leading to injury of death;
• Wilful and deliberate breaking of any criminal law leading to injury of death;
• Death as a result of nuclear, biological and chemical terrorism and nuclear accidents;
• The death of an unborn child due to the termination of a pregnancy (abortion).
How to make changes to your policy: Please contact Seetsa Finance (Pty) Ltd if you would like to make any changes to your benefit or change your contact information.
Premium guarantee period: BrightRock guarantees that your premiums and benefits will stay the same for the first 24 months. After that, BrightRock reserves the right to review and adjust premium and premium growth patterns at policy anniversary. Seetsa Finance (Pty) Ltd will send you written notice of any changes to your policy at least 31 days before any changes are applied.