AllLife : Products : HIV : Life & Disability Cover
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Life & Disability Cover

AllLife offers permanent disability cover as an optional additional benefit on their Advantage Life Insurance policies for only a little extra every month. We define permanent disability in terms of the life insured’s ability to perform Activities of Daily Work (ADW) as defined in AllLife’s terms and conditions.

These products pay a lump sum benefit after a 6 month waiting period in the event of permanent total disability of the life insured. This benefit is an acceleration of the death benefit, which means that once a permanent disability claim has been paid, no further benefits will be payable under the policy, including the death benefit.

Disability benefits cease on the 65th birthday of the life insured, although the death benefit may continue beyond the age of 65.

Advantage Disability

Disability cover is available as an option on all of the Advantage Life products offered.

Disability benefits are provided over the same term and at 75% of the death benefit value when linked to an Advantage Term Life or an Advantage Whole Life product. When linked to an Advantage Loan Protector product, the disability benefit is 100% of the (declining) death benefit value.

As an illustration, for a policyholder with R1million of life insurance and linked disability cover on a whole life level cover basis, the benefit payable in the event of a successful disability claim would be R750 000. In the event that the policy is a loan protector policy, the benefit payable would be equal to the scheduled outstanding balance on a loan of the same term as the policy.


AllLife’s Advantage disability products provide a lump-sum benefit in the event of permanent total disability of the life insured (as defined in AllLife’ published terms and conditions) during the term of the policy.

Advantage Life Disability products accelerate the death benefit in the event of disability. This means that if the life insured becomes permanently disabled, and AllLife pays a disability benefit, then the policy will cease and no further benefits will be payable.

The policy includes a waiver of premium during the waiting period in the event of a disability claim. This benefit is limited to a maximum of 12 monthly premium payments over the term of the policy (i.e. multiple claims are allowed as long no more than 12 months are claimed in total), at the discretion of AllLife.Top


Permanent total disability of the life insured is defined in terms of AllLife’s Activities of Daily Work (ADW) definitions, or in terms of AllLife’s defined HIV-specific disabling conditions.

AllLife considers the life insured to be disabled where this disability is due to an injury or illness that is regarded as permanent and continuous, and where the claimant has reached maximal medical improvement despite reasonable medical treatment by appropriate specialists (at the life insured’s own cost). There is a waiting period of 6 months on a permanent total disability claim.

A disability claim will not be admitted should this claim arise directly or indirectly from any back or spinal disorder or condition, unless such a back condition or disorder is due to paraplegia, quadriplegia, a malignant condition of the vertebra or spine, fractures of the spine or failed back syndrome after more than two previous back surgeries.

No benefits will be paid where the life insured fails to undergo reasonable medical treatment by appropriate specialists, including the taking of appropriate medication. Due allowance will be given for the risk and prognosis of such treatment.


The Activities of Daily Work (ADW) definitions are based on the basic activities needed to perform work. The life insured is considered permanently and totally disabled if they achieve a predetermined minimum points score on the defined ADW scale, as assessed by AllLife or a suitably qualified agent of their choosing.

AllLife’s disability definitions are included in our policy documentation and in our published terms and conditions, or are available on request. The Activities of Daily Work methodology is widely used within the Life Insurance industry to provide an objective methodology for assessing claims.Top


AllLife defines a set of HIV-specific disabling conditions, based on the following WHO Stage 4 AIDS defining conditions, as set out below. The life insured is considered permanently and totally disabled if they are diagnosed with one or more of these conditions, and where they are no longer responding despite optimal treatment.

  • HIV wasting syndrome
  • Pneumocystis Carinii Pneumonia
  • Toxoplasmosis of the brain
  • Cryptosporidiosis with diarrhoea
  • Isosporosis with diarrhoea
  • Extrapulmonary cryptococcosis
  • Cytomegaloviral disease of an organ other than liver, spleen, or lymph node
  • Herpes simplex virus infection (Chronic or visceral)
  • PML (progressive multifocal leukoencephalopathy)
  • Any disseminated endemic mycosis
  • Candidiasis of the esophagus, trachea, bronchi, or lungs
  • Atypical mycobacteriosis
  • Non-typhoid Salmonella septicaemia
  • Extrapulmonary TB
  • Lymphoma
  • Kaposi’s sarcoma
  • HIV encephalopathy

All available treatment options must have been exhausted at the time of the claim.Top

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Life cover

Please Note

All AllLife Advantage policies require a commitment to being adherent.
For more information please read our adherence protocol.
There is no savings or investment portion, and no surrender value on all our products. No benefit is therefore payable if there is no claim during the term of the policy.
Disability cover is only available if linked to an AllLife life insurance policy.
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Products underwritten by Centriq Life Insurance Company (RF) Limited