• Death: The payment of your financial obligation up to R500 000 should you die before the end of the agreement term.
• Disability or Illness: The payment of your monthly instalments should you become disabled or incapacitated, lasting for the duration of your illness.
• Retrenchment: The deferment of your instalment should you be retrenched, as well as covering any additional interest accrued during your period of unemployment.

• If the date of your illness, injury or disability, which leads to the claim, preceded the commencement of insurance.
• If the cause of the claim is directly or indirectly related to HIV or AIDS.
• In the event of a normal pregnancy and birth, complications will be considered.
• If the cause of the claim is directly or indirectly related to self-inflicted injury, suicide, drug or alcohol abuse.

• You will receive an initial discount of 15% on the normal rates for the Hollard Life Solution, on an amount of cover equal to that for which you are covered under the Unitrans Credit Protection Plan. This discount will apply for a period that is equivalent to the period of time for which you were protected under the Unitrans Credit Protection Plan. Premiums for the Hollard Life Solution are payable monthly.

The best thing about this valuable benefit is that you do not have to do anything to initiate the cover! When your Credit Protection Plan is about to expire you will get a call from a Hollard Life agent. You simply tell the agent that you want to exercise the option and he or she will assist you in ensuring that you receive the cover to which you are entitled. He or she will even assist you in completing any medical requirements that may be necessary. It could not be simpler.

We trust that you will find this addition extremely valuable. It's all part of our commitment to provide our customers with meaningful benefits that constitute true value for money.