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QUESTIONAIRE

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    About you
    Read me If you have been referred through an agent please make sure you add the Agent Code here for you to enjoy any further benefits.




    We won't share your information with anyone unlawfully.


    We can't give you an accurate quote without knowing your ID.

    We can't give you an accurate quote without knowing your age. There are lots of risk factors affected by age. The younger you are, the longer you're likely to live, which means the less risk for insurers and lowers your monthly premiums. For most life insurance products, you'll need to be between 16 and 60 years old to take out a new policy.

    MaleFemale


    checkroom
    YesNo
    Have you ever been sequestrated, it is important to answer honestly as at a time of claim you would not want your claim to be rejected due to non-disclosure. This is a requirement to understand your affordability and risk for insurance.





    About your Work


    XINIX needs to know your occupation because it tells us how much risk you face in your day-to-day life, and knowing these risks help us give you a more accurate quote.


    So how much of time in the 8 hour day are you busy doing hard manual labour? Needs to total to 8 hours per day.

    So how much of time in the 8 hour day are you busy doing light work, like admin office work? Needs to total to 8 hours per day.




    So how much of time in the 8 hour day are you travelling per day in percentage terms, e.g. 20%

    We need to know your income to make sure that your cover is in line with what you actually need. At XINIX, your privacy is our top concern. We promise to keep all your personal information secret. If you do select a range salary, we will be using the middle of this salary range, for e.g. R10 001 - R20 000, we will use R15 000.




    How much of your budget do you want to spend buying Life Insurance cover

    About your Family
    Do you want to include your Partner / Spouse in the quote
    Do you have a partner or spouse, this will assist in knowing how to structure your cover?


    We can't give you an accurate quote without knowing your ID.

    We can't give you an accurate quote without knowing your age. There are lots of risk factors affected by age. The younger you are, the longer you're likely to live, which means the less risk for insurers and lowers your monthly premiums. For most life insurance products, you'll need to be between 16 and 60 years old to take out a new policy.

    MaleFemale





    XINIX needs to know your Spouse occupation because it tells us how much risk you face in your day-to-day life, and knowing these risks help us give you a more accurate quote.


    So how much of time in the 8 hour day is your Spouse busy doing hard manual labour? Needs to total to 8 hours per day.

    So how much of time in the 8 hour day is your Spouse busy doing light work, like admin office work? Needs to total to 8 hours per day.



    So how much of time in the 8 hour day are you travelling per day in percentage terms, e.g. 20%


    We need to know your partner or spouse income to make sure that your cover is in line with what you actually need and can afford. At XINIX, your privacy is our top concern. We promise to keep all your personal information secret. If you do select a range salary, we will be using the middle of this salary range, for e.g. R10 001 - R20 000, we will use R15 000.



    Do you have kids
    Do you have kids?



    About your Cover
    XINIX needs to know your desired retirement age in order understand your financial planning options, the start age for retirement is 55 to 65 years old.

    Do you have a Will
    Do you have a Will in place?

    Do you have a Budget
    Do you have a Budget in place?

    Do you have Medical Aid
    Do you have Medical Aid?


    Do you have Existing Policies
    Any existing policies?












    Hazardous Activities
    Regularly taking part in aviation activities (e.g. fly aircraft as a pilot, go parachuting, go hang gliding,etc


    Life Cover
    Life insurance covers the long-term consequences of your death, such as the loss of a family provider resulting in a loss of income.



    Disability Cover
    Disability insurance cover pays out a fixed lump sum cover amount if you are permanently unable to work due to an illness or injury.



    Critical Illness Cover
    Critical Illness insurance cover provides financial protection in the event that you are diagnosed with a debilitating illness, whether terminal or not.



    Income Protection
    Income protection is a long-term insurance policy designed to supplement your income in circumstances where you are unable to work because you’re ill or injured. Maximum cover per month.



    Funeral Cover
    Funeral insurance cover provides financial protection at death to ensure that you get a dignified funeral.



    Finish up





    Feel free to add any questions or notes or best dates or times to contact you so that we can address all your questions when we arrange for a face-to-face or online meeting.


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    FAQs

    Life Insurance 101

    Life Insurance 101

    Life Insurance shouldn’t be complicated.

    But in today’s competitive markets there are so many options to choose from.

    At XINIX we strive to make insurance products as easy to understand as possible. So, if you are currently considering any long-term insurance products we have available, here is some FAQs to help you understand this a little better.

    So where to begin?
    Above is our easy to use life insurance form, why not try it to get a sense of what your long term insurance needs might be and what we require in order to get you going?

    Want Life Insurance, here’s how

    With the pandemic ripping through our country, on and off, first wave, second, third, we have had numerous clients contacting us to assist in revaluating their financial wellbeing.

    Getting life cover need not be complicated. At XINIX, we have in fact transformed the process with a hybrid version of both online questionnaires and face-to-face / Zoom or MS Teams online meetings.

    What you will find here, is transparency and a user-friendly process that will make taking out life insurance straight forward and easy, BUT still with the added advantage of skilled, qualified, and competent financial advisors who will hold your hand through the process.

    So, here’s how it works:
    Step 1
    Complete the online questions

    Step 2
    Download the consent letter, sign, and return to life@xinixinsurance.co.za

    Step 3
    A qualified financial advisor will personally call you to set up, either a face to face or online meeting.

    Step 4
    At the meeting or before, it all depends on you, the advisor will get to know you better, answer your questions and do a financial needs analysis using your completed questionnaire as a guideline. You will have view on some quotes prepared.

    Step 5
    We will give each other time to action anything that needs to be done and a follow up meeting will be scheduled.

    Step 6
    We look forward to becoming family, partnering to service you as we navigate life together.

    What covers do I need to consider?

    *Income protection against dying or being disabled;

    * Goal savings. This will include all your financial goals, whether short or long term;

    * Retirement savings. This should be treated separately from your other financial goals because of its importance; and
    * Health assurance. Your medical scheme as well as hospital and chronic disease cover must be measured to see if they meet your needs.

    The question is – how much money can you allocate to each of the above, and what will this buy you?

    The best place to start is with how much risk assurance you need against dying or being disabled.

    When you decide how much risk assurance you need, you must take the following into account:

    * What you will need if you become disabled;
    * Whether you have dependants, how many, and what their needs will be if you die or become disabled;
    * Your assets. The more assets you have, the less you need in assurance. If you are wealthy, you do not need as much risk assurance as someone with low accumulated wealth but a high income;
    * Your liabilities. What happens to your debts if you die or are disabled? The more money you owe, the more risk assurance you will probably need, and the greater the necessity for a properly constructed and targeted savings and investment plan;
    * Your income and spending: Your current and future income and spending will determine the design of your financial plan, allowing you to decide on risk and/or investment priorities and what you can leave until later when you are earning more.
    * Your health. If you are healthy, you can take a greater chance of meeting your risks through your income than someone who is unhealthy;
    * Your current risk cover. Assess your current cover for death and disability to see if you have too much or too little, bearing in mind any benefits you will receive from a retirement saving plan, whether it is employer sponsored or attached to a retirement annuity; and time period. You need to break your risk insurance into different periods. For example, you do not need life insurance to cover the education of children until you are 70.

    When assessing your life insurance needs, remember that you should aim to leave your dependants an adequate amount of money. Rather than leaving them immensely wealthy, you should use as much as possible to improve your wealth, particularly for your retirement.

    Life Insurance 102

    How does Life cover work?

    When you die, your beneficiary receives a tax-free, once off lumpsum payment, dependent on the cover amount you chose.

    How much will I pay per month for life cover?

    Your premium is determined by your age, risk profile (i.e. health, smoker status, etc.) and the amount of cover your require.

    I have life cover through my employer, is that enough?

    Some companies pay death in service benefits, if you die while you are still employed and is usually 2 or 3 times your annual salary. If you leave this employer these benefits fall away. A Financial Advisor will be able to identify through the process of a needs analysis, if the life cover with your employer is adequate or not based on your specific needs.

    What is the difference between funeral cover and life cover?

    Funeral cover insures you for when your death occurs and funeral services needs to be arranged, the funeral cover will cover the expenses/costs needed for the funeral.

    Life cover is to secure the financial well being of your loved ones in the event of your death.

    Do I need to go for medicals?

    Yes, the insurers we work with will require you to go for medicals and you will have underwriting done prior to putting the policy in place. This will ensure an easier process at the time of a claim. The cost of the medicals will be paid by the insurer. You can consider it as a free medical check up.

    Do I only need life cover?

    There are many other covers which can be taken with life cover. Cover like disability cover and severe illness cover is also usually taken out together with life cover.

    What is Disability Cover?

    This is cover which you would take out in the event of becoming permanently disabled. The insurer will pay a lump sum benefit to you, where your claim is approved. This will allow you to make necessary renovations as a result of your disability. E.g. for moving around in a wheel chair and also to assist in paying off your outstanding debt.

    What is Severe Illness cover?

    This type of cover will cover you in the event of you being diagnosed with a terminal illness eg cancer, heart attack etc. The benefit will pay out dependent on the severity of the illness and this will assist in covering extra medical costs and paying off debt in the event that you are not able to work anymore.

    Is there any waiting period for suicide?

    Yes, there is a 2 year waiting period for suicide, if a suicide happens before 2 years there will be no cover.

    What is the minimum and maximum entry age for Life Cover?

    Dependent on the insurer, but most work within a range of a Minimum 15 years and Maximum 62 years.

    What is the minimum and maximum entry age for Disability Cover?

    Dependent on the insurer, but most work within a range of a Minimum 15 and Maximum 62 years.

    What is the minimum and maximum entry age for Severe Illness Cover?

    Dependent on the insurer, but most work within a range of a Minimum 15 and Maximum 62 years.

    What is the minimum and maximum cover amount for Life cover?

    Dependent on the insurer, but most work within a range of a Minimum R150 000 with no maximum, however anything over R7 million will require financial underwriting.

    What is the lumpsum minimum and maximum cover amount for Disability?

    Dependent on the insurer, but most work within a range of a Minimum R50 000 and Maximum R35 million.

    What is the minimum and maximum cover amount for Severe Illness?

    Dependent on the insurer, but most work within a range of a Minimum R50 000 and Maximum R6 million.

    Is Life cover offered as a standalone benefit?

    Yes, Life cover can be taken as a stand alone, you do not need to take any other cover with it to get life cover. In fact, most insurers offer all the benefits as a standalone benefit.

    How would I know what cover is right for me?

    Based on your needs and your lifestyle, our qualified financial advisors will be able to take you through the entire process to determine the cover needed to suit your specific needs best. Also you can make use of our cover calculators when completing the life questionnaire which also guides you on how much cover you may need.

    Will I get anything back if I do not claim for a long period of time?

    There are cash back options that is offered on our products at an additional charge, our advisors will be able to discuss these benefits better with you. Some of our insurer partners, in addition to cashbacks have loyalty rewards that result in you receiving cash lumpsums for keeping your policy active and for not claiming.

    What will happen if I don’t pay my premium?

    Not paying your premium will result in a double debit the next month and if it is also unsuccessful this will result in the policy lapsing / cancelling. Your cover will end.

    Does my cover amount increase yearly?

    You have the option of deciding whether you would like a benefit increase yearly or not. A financial advisor will be able to assist you at best, dependent on your needs.

    Can my premium stay the same if I choose not to increase my benefit?

    Yes, you can guarantee your premium and benefit amount for a specific period. Example 10 years. After the 10 years have expired, your premium will be reviewed, and the premium may change.

    WE ARE READY TO HELP

    Come on.

     

    TELEPHONE: 086 162 0000
    VOIP NUMBER: 087 724 1000
    E-MAIL: INFO@XINIXINSURANCE.CO.ZA

    Hours: Mon-Fri 08:00 am to 3:00 pm
    CNR LIMA AND OLIVE ROAD
    OLIVEDALE OFFICE PARK
    OLIVEDALE, RANDBURG 2188
    SOUTH AFRICA