As an employee, you may be able to enjoy group risk cover against death and disability. You will have the option of continuation or conversion.
Continuation Option
This allows a member to enjoy continued benefits e.g. group life cover, in the case of disablement.
Conversion Option
Members who leave the fund can elect to convert existing group benefits to an individual policy within a specified time period. Individual risk rates will apply. The conversion option may be exercised up to the same level of cover enjoyed as a member of the group. Limited medical evidence of health is required, usually only a continine test and an HIV test are requested. This benefit falls under a main benefit, the terms and conditions relevant to the main benefit apply.