Individual Life Benefits – Altrisk

Who we are

Altrisk started over a decade ago, specialising in life, disability and critical illness cover for impaired lives. As the exclusive provider of intermediated individual life risk products within the Hollard Group, our reputation has been built around our superior underwriting expertise. We are the proud insurer of more than 70,000 clients.

What we do

Our offerings not only include conventional life, disability and impairment, critical illness and income replacement benefits, but also cover for clients who traditionally would have been declined. These include people living with HIV or other serious medical impairments. All our benefits remain uncomplicated and competitively priced.

Why choose us?

Apart from our distinct difference in offering cover to the uncoverable, there are 10 good reasons why Altrisk makes ‘life’ easier:

• We were first to regularly cover people with severe impairments and first to offer affordable life cover to people living with HIV.
• We were first to regularly cover people with dangerous or unusual hobbies and those working in high risk countries.
• We have the fewest general exclusions in the market. There is only one in addition to our unique suicide exclusion: self-inflicted injuries.
• We were first to introduce a suicide exclusion recognising previous periods of in-force life cover and are still the only company to offer this benefit.
• Our application form is the shortest in the business.
• Our quotes system is user-friendly and quotes are concise and easy to understand.
• We provide a flexible cover facility, allowing clients to reduce their premiums and bank their cover until it's convenient to increase it again.
• Our income replacement benefits can be taken separately to tailor-make cover. The maximum entry age is 65, which means that older people can also access disability cover.
• We designed our death income benefit to be practical. It provides a monthly income to a beneficiary for two years or for an extended period to the deceased's selected retirement age.
• Our Trauma Plus benefit provides financial assistance for events not normally covered. These include trauma as a result of an accident; being a victim of violent crime; or being retrenched.

Contact us

For more information on any of their products you can contact Altrisk directly and they'll put you in touch with one of their recommended brokers. E-mail us today at [javascript protected email address]