This product is not yet available for purchase. We are in active conversations with South African underwriters and expect to launch in Q3 2026. Join the waitlist below to be among the first to know.

    All cover products
    Launching Q3 2026

    Life cover

    A larger pay-out to look after the people who depend on you.

    Who it's for

    Anyone with dependants (a spouse, children, ageing parents) who would feel the financial gap if you weren't there.

    How it fits your estate

    Once available, beneficiary nominations and policy numbers will live in your vault next to your will and executor pack.

    Why it matters

    • Life cover replaces income, settles a bond, or funds school fees so loved ones don't have to relocate or restructure their lives.
    • Pay-outs are typically tax-free in the beneficiary's hands and fall outside the estate when properly nominated.
    • It complements your will: the will decides what happens to your estate, life cover provides the cash that estates often lack.

    Comparable to traditional risk policies from major South African life insurers.

    Join the founding cohort

    People on the waitlist will be the first to access this product when it launches. We will share the underwriter, the pricing and how to apply before anyone else. No obligation: you choose whether to proceed when the time comes.

    Register your interest in life cover

    Help us understand what cover you need so we can brief our underwriting partners accurately. We'll email you when this product is ready to buy.

    By registering your interest you agree we may email you about this product. We won't share your details with third parties without telling you. This is not a quotation or contract of insurance.

    Any product shown as "coming soon" is not yet available for purchase. Information about future products is provided for planning and interest-capture purposes only and does not constitute a quote, offer, underwriting approval or guarantee of availability.

    Funeral cover, life cover, liquidity or shortfall cover, and any estate-related cover will always depend on the actual product structure, insurer, underwriting, terms, exclusions, limits and claims requirements. Medical expenses before death, hospital costs, palliative care, frail care and other end-of-life expenses should be treated as not covered unless a specific product expressly says otherwise.

    Any calculator on this service is a planning tool only. It is not legal advice, tax advice, financial advice, a quotation, underwriting approval, or confirmation that any insurer will offer cover on the terms shown.

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    When I Am Gone (Pty) Ltd ("When I Am Gone") provides secure digital information storage tools only. When I Am Gone is not a law firm, financial adviser, or estate planning professional. This service does not constitute legal, tax, or financial advice. Consult qualified professionals for estate planning matters. Executors and beneficiaries are responsible for verifying information and obtaining professional advice before acting.

    Will documents created using When I Am Gone must be printed, reviewed, and signed in the presence of two competent witnesses as required by the Wills Act 7 of 1953. Electronic wills are not valid under South African law. When I Am Gone does not verify will validity, witness competency, or guarantee executor or Master of the High Court acceptance.

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