Frequently asked questions


How does BeneFactor™ work?

Through BeneFactor™ there are three different ways to structure your life cover.

What is BeneFactor™?

BeneFactor™ is the built-in feature of MyLegacy Cover™ that gives you three different ways to structure your life cover benefit. You can choose the option that best suits you and you can change whenever you want.

How does accelerator payment affect MyCover™?

MyAbility Cover™ forms a part of your total MyLegacy Cover™ value. If you claim against your MyAbility Cover™ benefit it will automatically reduce your total MyLegacy Cover™ value by the amount that you have claimed. Once you have claimed against your MyAbility Cover™ benefit, you cannot top up your cover to the original value.

Can I get MyLegacy Cover™ if I have had cancer?

Yes, but this depends on the type of cancer and the severity of the cancer that you have previously been diagnosed with. We evaluate every application on a case-by-case basis.

Can I get MyLegacy Cover without a LPP?

No, you cannot get MyLegacy Cover™ as a standalone life cover product. MyLegacy Cover™ is offered as an extender benefit of the Legacy Protection Plan™ as we harness our unique approach of indemnification of fees and integration of benefits.