Combined Product Brochure - An easy to use summary of all our products. For more information please visit our website - Clientele
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Combined FUNERAL
Product Brochure
H.E.L.P
LEGAL
REWARDS
MOBILE
WEALTH
An easy to use summary of all our products.
For more information please visit our website. INVESTMENTS
Funeral Funeral cover from the
Cover name you‘ve trusted for
more than 25 years.
H.E.L.P
LEGAL
Clientèle Funeral Plans
are affordable
We have a range of options to suit your needs. REWARDS
Plans start from R250 p/m and pay up to R100,000.
We pay out a cash lump sum – to use as you choose.
All valid claims are paid within 24 hours.
MOBILE
WEALTH
INVESTMENTS
Product Brochure ••••••••••••••••••••••••
Basic
Benefits
H.E.L.P
■■ From R250 per month;
■■ R110,000 family cover for less than R2 per person per day;
■■ Cover up to 13 people on 1 plan;
■■ Pays out within just 24 hours;
LEGAL
■■ R200 airtime when you claim;
■■ Includes a grocery, transport and unveiling benefit.
REWARDS
Enhanced
Benefits
Professionals will assist you with various aspects of the funeral
MOBILE
arrangements, like grief counselling, repatriation of the body and
discounted rates with various funeral suppliers.
WEALTH
For a personalised quote, INVESTMENTS
please visit our website and
use the quote calculator
Product Brochure ••••••••••••••••••••••••
Compare our Funeral Plans
Pick the product you can afford and the option that suits your needs.
H.E.L.P
FUNERAL DIGNITY PLAN ULTIMATE DIGNITY PLAN
Cover starts from R250 p/m R270 p/m
Pays between R25,000 and R100,000 R15,000 and R100,000
No of people you can cover 13 people on 1 plan 13 people on 1 plan LEGAL
Airtime Pays R200 airtime when you claim Pays R200 airtime when you claim
Accidental Death Benefit Immediate cover Optional
In the event of accidental death, beneficiaries will be paid out double
the insured amount. REWARDS
Included Benefits Grocery Benefit: R3,000 Grocery Benefit: R3,000
Unveiling Benefit: R2,000 Unveiling Benefit: R2,000
Transport Benefit: R2,000
MOBILE
Premium Payback Benefit No. Yes.
We will pay back all your premiums, plus your full cover amount upon death, or
you can choose to receive half your premiums back at age 65 and the balance
upon death.
Funeral Helpline 24 Hour 24 Hour WEALTH
INVESTMENTS
Product Brochure ••••••••••••••••••••••••
Claiming is easy with Your questions
Clientèle answered
H.E.L.P
We make it easy for you to submit your
Please tell me more about the So, if you take out cover of R50,000 we will
claim. Choose the method you are most
Premium Payback Benefit? pay the full R50,000 to the beneficiaries PLUS
comfortable with:
The Clientèle Ultimate Dignity Plan is the we will pay back the premiums paid on the
■■ Contact us on 011 320 3000;
Funeral plan that will pay back all your policy for that member. The money will be paid
■■ Fax us on 011 320 3170; LEGAL
premiums in cash in addition to your cover upon a valid death claim. Alternatively, you can
■■ SMS your policy number to 31041
amount. choose to get half of your premiums back at
and we’ll call you back (standard rates
age 65 if you take out the policy before the
apply);
age of 50 and the rest upon death.
■■ Email us at claims@clientele.co.za;
REWARDS
■■ Visit our website and click on ‘Claim’;
■■ Clientèle App: click on ‘Claim’.
How soon will Clientèle pay out my
claim?
MOBILE
All valid claims will be paid within 24 hours.
Documents you need to send for a 24 hour
payout are: Funeral Plans:
**sms FUNERAL to 45487
■■ A certified copy of the death certificate;
WEALTH
■■ A certified copy of the registration of
death form (DHA 1663);
You can change your details, buy a new product or lodge a claim
■■ Certified copies of the deceased’s ID;
via our App, 24 Hours a day.
■■ Certified copies of the beneficiary’s ID.
The App is free to use on all major SA networks. This means that Clientèle will INVESTMENTS
pay for the data that the App uses.
Product Brochure ••••••••••••••••••••••••
Health
FUNERAL
Health insurance that’s
Cover affordable and easier to
apply for.
LEGAL
Clientèle Health Plans
are affordable
We have a range of options for you and your REWARDS
family. Plans start from R360 per month and pays
up to R200,000 cover per year and up to
R1 million on the Premium H.E.L.P Plan. The
money is paid as a cash lump sum, to use as
MOBILE
you choose.
This is not a medical aid.
WEALTH
*The cover is not the same as that of a medical
scheme. It is an insurance that pays non-medical
expense cover as a result of hospitalisation. This
is not a medical scheme and cover is not the
same as that of a medical scheme. This policy is INVESTMENTS
not a substitute for medical scheme membership.
Product Brochure ••••••••••••••••••••••••
FUNERAL
Basic
Benefits Glossary
Clientèle H.E.L.P (Health Event Life Plan) plans ■■ Hospitalised: When admitted to one of
pay out a daily cash amount for long hospital* the institutions included on our list. (For an
stays (more than 10 days). They also include a updated list, please visit our website).
lump sum pay out of up to R20,000 per annum ■■ Accident: Injury or admission that is not
LEGAL
for stays longer than 72 hours. Plans include resultant from a disease nor is self-inflicted.
additional cover for Accidental Death, Accidental ■■ Pre-existing medical conditions:
Disability, Dread Disease and a Maternity Benefit. Conditions that existed before the policy is
All plans include access to a 24 Hour emergency effective.
line as well as emergency flight and ambulance REWARDS
services, trauma counselling and HIV support.
■■ It is easy to apply;
■■ There are no physical examinations or blood
tests required;
MOBILE
■■ It’s easy to claim;
■■ No unnecessary paperwork.
WEALTH
For a personalised quote, please visit our
website and use the quote calculator
INVESTMENTS
Product Brochure ••••••••••••••••••••••••
FUNERAL
Compare our Health Plans
Pick the product you can afford and the option that suits your needs.
STANDARD H.E.L.P PLAN ULTIMATE H.E.L.P PLAN PREMIUM H.E.L.P PLAN ACCIDENT PLUS PLAN
Cover starts from R360 p/m R390 p/m R655 p/m R270 p/m
Daily Cash Amount of up to R2,000 Amount of up to R2,000 Amount of up to R3,000 Amount of up to R2,000
LEGAL
(if hospitalised* more than 10 days). (if hospitalised* more than 10 days). (if hospitalised* for more than 72 hrs). (if hospitalised* more than 10 days).
Pays up to R200,000 annual cover R200,000 annual cover R1 million annual cover R200,000 annual cover for
hospitalisation* due to an accident*
Lump Sum Pay out Up to R20,000 lump sum per stay Up to R20,000 lump sum per stay N/A Up to R20,000 lump sum per stay
(if hospitalised* for more than 72 hrs). (if hospitalised* for more than 72 hrs). (if hospitalised* for more than 72 hrs). REWARDS
Maternity Benefit Yes Yes Yes No
Accidental Death Benefit Up to R200,000 cover Up to R200,000 cover Up to R500,000 cover Up to R200,000 cover
Accidental Disability Benefit Up to R200,000 cover Up to R200,000 cover Up to R500,000 cover No
Dread Disease Benefit Up to R200,000 cover Up to R200,000 cover Up to R250,000 cover No MOBILE
Pre-existing Conditions Covers pre-existing medical* Covers pre-existing medical* Covers pre-existing medical* N/A
conditions after a waiting period conditions after a waiting period conditions after a waiting period
of 12 months. of 12 months. of 12 months.
Premium Payback Benefit No Yes, pays back all your premiums No No WEALTH
for the deceased member with valid
death claim. 50% of premiums back
in cash at age 65 and remaining
50% paid back to beneficiaries upon
death.
INVESTMENTS
Combined Product Brochure ••••••••••••••••••••••••
FUNERAL
Claiming is easy with Your questions
Clientèle answered
Once you have paid your first premium, we
What is the difference between a H.E.L.P How does the premium payback benefit
will send you a Clientèle Ultimate H.E.L.P
Plan and a medical aid? work on the ultimate plan?
Plan digi-card containing your policy
information and our contact details. ■■ The Clientèle H.E.L.P Plan can be more Serious diseases and accidents can wreak
affordable than a medical aid and easier to havoc on a family physically and financially. Your
To claim, you will need to notify us of your
apply for. family will need the money to pay for expenses LEGAL
hospitalitsation* immediately or by no later
■■ A H.E.L.P Plan pays out cash per stay. Cash like education, transport and living expenses.
than the next business day following your
- you can use that money as you wish. Pay The Ultimate H.E.L.P Plan ensures that you
admission.
for unexpected medical costs or supplement will receive your full cover amount, plus all your
The hospital will assist you with the your income if you cannot work. premiums back in the event of death of the
REWARDS
necessary medical documentation, which ■■ Medical aids pay for specific medical insured person. You can also choose to get
you can email to us or fax. procedures and services. It can be easier to 50% of your paid premiums back at age 65, if
claim with a H.E.L.P Plan and involves less you take the plan out before the age of 50, and
You can also lodge a claim via our App. A
paperwork. the rest of the premiums will be paid to your
consultant will call you back to confirm the
MOBILE
beneficiaries upon death.
details.
H.E.L.P Plans: Premium H.E.L.P Plan:
**sms HELP to 45487 **sms PREMIUM to 45487
WEALTH
You can change your details, buy a new product or lodge a claim
via our App, 24 Hours a day.
The App is free to use on all major SA networks. This means that Clientèle will INVESTMENTS
pay for the data that the App uses.
Product Brochure ••••••••••••••••••••••••
Legal
FUNERAL
Professional lawyers. Professional
Cover advice. At an affordable price. H.E.L.P
Clientèle Legal offers
business and personal
plans
REWARDS
There is justice in South Africa – pick up your
phone and call your lawyer. Clientèle Legal has
made affordable, quality legal services available
to all South Africans. We have a nationwide
MOBILE
panel of qualified attorneys and advisors standing
by to assist you with a range of civil, criminal
and labour related matters. Your small monthly
premium, includes consultations, drafting of legal
documents and representation in your area, if WEALTH
necessary.
We have Personal and Business legal plans
available.
INVESTMENTS
Product Brochure ••••••••••••••••••••••••FUNERAL
Basic
Benefits
H.E.L.P
Your Clientèle Legal policy offers you 24 hour legal protection for a
comprehensive range of legal matters, including: unfair dismissals,
uncontested divorce, consumer related matters, disputes with the
neighbours, wrongful arrest, contractual disputes, debt collection, labour
issues, motor vehicle accidents, insurance disputes, protection orders,
drawing up of a Will, rental disputes and guidance on COVID-19 related
issues.
■■ Pre-existing legal matters are not covered, but we will provide information
REWARDS
and guidance over the phone;
■■ All plans include a Bail Benefit. We will go to police station and pay your
bail for you, up to R5,000;
■■ You have access to qualified lawyers and legal advisors;
■■ We also have a plan designed for individuals, families and a plan MOBILE
specifically for small and medium-sized businesses.
WEALTH
For a personalised quote,
please visit our website and
use the quote calculator
INVESTMENTS
Product Brochure ••••••••••••••••••••••••FUNERAL
Compare our Legal Plans
Pick the product you can afford and the option that suits your needs.
H.E.L.P
Personal Legal Plans
STANDARD CLASSIC EXTENDED FAMILY EXTENDED FAMILY EXTENDED FAMILY
LEGAL PLAN LEGAL PLAN LEGAL PLAN LEGAL PLAN LEGAL PLAN
Cover starts from R220 p/m R255 p/m R285 p/m R350 p/m R385 p/m
Annual Legal Cover R220,000 R255,000 R310,000 R450,000 R500,000
Lifetime Legal Cover R2,200,000 R2,550,000 R3,100,000 R4,500,000 R5,000,000
Accidental Death Cover N/A R10,000 R30,000 R60,000 R90,000 REWARDS
FREE Extended Family N/A N/A 1 2 4
Members
OPTIONAL ADDITIONAL COVER TO SUPPLEMENT YOUR PLAN
MOBILE
Extended Family Cover R26 for R30,000 cover per R26 for R30,000 cover per R26 for R30,000 cover per R26 for R30,000 cover per R26 for R30,000 cover per
year for each additional family year for each additional family year for each additional family year for each additional family year for each additional family
member member member member member
Maximum of 2 Extended Maximum of 2 Extended Maximum of 3 Extended Maximum of 4 Extended Maximum of 6 Extended
Family Members Family Members Family Members Family Members Family Members WEALTH
Optional Accidental N/A R11 for R10,000 cover R16 for R30,000 cover R31 for R60,000 cover R46 for R90,000 cover
Death cover for Spouse
Optional Accidental R16 for R30,000 cover N/A N/A N/A N/A
Death Cover for Main
INVESTMENTS
Member
Combined Product Brochure ••••••••••••••••••••••••FUNERAL
Business Legal Plan
H.E.L.P
We cover businesses who have 1 to 2,000 employees. Premiums are
calculated according to the number of employees you have, as well as your
annual turnover. We have an in-house legal team, as well as access to a
nationwide panel of business legal experts. Whether it is debt collection, civil
matters, drafting of contracts or labour matters, be assured that we will guide
and support you.
Our packages are tailor-made to suit your needs. They are available from
R710 per month and provide cover from R190,000 to R1,100,000 per year.
REWARDS
We offer business legal advice and representation, drafting and reviewing
of commercial contracts, assistance with debt recovery, labour advice or
representation and cover to initiate or defend a legal action. This might
include:
MOBILE
■■ Unprotected strikes;
■■ Representation at CCMA, Labour Court or Union negotiations;
■■ Advice on Consumer Protection Act, the Companies Act and the National
Credit Act;
■■ Drafting of contracts, including: partnership agreements and employment WEALTH
agreements;
■■ Debt collection.
INVESTMENTS
Product Brochure ••••••••••••••••••••••••FUNERAL
Claiming is easy with Your questions
Clientèle Legal answered
H.E.L.P
If you are in need of legal assistance, you How much does a lawyer normally cost? professional legal services 24 hours a day. For
can call our 24 hour legal emergency the first three months, you will have access to
Under normal circumstances, a lawyer could cost
line on 0860 004 529, or send an email telephonic legal advice and online consultations.
you thousands of rands per hour. This is why
to lawyers@clientele.co.za to request a Thereafter, we will appoint an attorney from
we are so proud to offer you professional Legal
meeting. Online consultations via Zoom our nationwide panel to represent you in your
Services from only R220 per month for personal
are now available. Your legal matter will be area, if necessary. The costs for the external
insurance and R710 for business legal policies.
referred to a qualified lawyer or adviser who and specialist attorneys are covered by the
Your affordable monthly premium covers the
will assist, guide and represent you in court, annual cover amount. Your monthly premium
costs of the lawyer and all admin involved.
if necessary. includes cover for the following: the paperwork, REWARDS
How does a Clientèle Legal membership the consultation fees, the drafting of contracts
work? and court representation. It is the affordable and
convenient way to secure professional legal
Once you become a member and we receive
services.
your first premium, you will have access to MOBILE
Legal Plans: Clientèle Legal Business Plan:
**sms LEGAL to 45487 **sms SMME to 32288
WEALTH
You can change your details, buy a new product or lodge a claim
via our App, 24 Hours a day.
The App is free to use on all major SA networks. This means that Clientèle will INVESTMENTS
pay for the data that the App uses.
Product Brochure ••••••••••••••••••••••••Clientèle
FUNERAL
Finally, a Rewards programme
Rewards that takes care of you now, while
your Clientèle policy takes
H.E.L.P
care of your future.
LEGAL
Significant savings on
life’s most valuable items
Clientèle Rewards brings you significant
savings from South Africa’s top brands. Save
on: groceries, health & beauty items, fashion,
homeware, jewellery, travel, education, dining,
entertainment, airtime and data and you have
MOBILE
Free Access to the COVID-19 Info and Trauma
line. We offer three Rewards Plans to choose
from: Blue, Silver and Gold.
WEALTH
INVESTMENTS
Product Brochure ••••••••••••••••••••••••
•••••••••••••••Blue Rewards
Gold Rewards
FUNERAL
Benefits Benefits
Clientèle Blue Rewards offers 50 monthly Clientèle Gold Rewards is available to all South Africans, you don’t have to be a policyholder to get
grocery coupons redeemable at Checkers, Rewards. It is our premier Rewards product which includes all the benefits of Blue and Silver, and much
Shoprite and Checkers Hyper plus 50 monthly H.E.L.P
more:
health & beauty coupons redeemable at Dis-
Chem which can save you R2,500 per month! ■■ Clientèle Mobile: Get a free SIM card and ■■ Movie tickets: Enjoy up to 50% off 2D
You can save 15% on travel with Eldo Coaches. R300 Clientèle Mobile airtime every month, movie tickets at selected Nu Metro Cinemas
You also get an additional 10% discount from plus up to 35% discount on airtime and 20% and 10% off 2D and 3D movie tickets and
LEGAL
Edgars plus discounts on Woolworths and discount on data; on popcorn & beverage combos at selected
the Foschini Group gift vouchers. Get up to Ster-Kinekor Cinemas;
■■ Double the discounts: Save over R2,500
25% off Airtime and Data with Clientèle Mobile.
on groceries and health and beauty items; ■■ Up to 50% off South African Premier
Complete a Boston Connect online short learning
League Soccer tickets;
programme and access Ivy Academy High ■■ Gift vouchers: Up to 10% off fashion, food,
School Learner support. health and beauty, homeware, sporting ■■ COVID-19 Info & Trauma Line: access
goods and jewellery. 24 hours a day on 0860 102 890 or dial
Silver Rewards
■■ Dining: Get up to R100 cash back on the
*130*3272*38#;
Benefits second most expensive meal every time you ■■ Free education: complete a Boston
MOBILE
dine at over 1,000 participating restaurants. Connect online short learning programme
Clientèle Silver Rewards offers all the benefits
and access Ivy Academy High School
of Blue, plus cash back when dining at more ■■ Discounted bus tickets : Save 15% with
Learner support;
than 1,000 restaurants nationwide, up to 50% of Eldo Coaches.
movies from Nu Metro and Ster-Kinekor and up ■■ 10% discount on Showmax and Showmax
■■ Steers: R15 voucher off your next purchase WEALTH
to 30% off Airtime and Data with Clientèle Mobile. Mobile;
when spending R100, or R30 voucher
Complete a Boston Connect online short learning
when spending R150. Minimum spend ■■ Up to 20% off new Clientèle Funeral, Legal
programme and access Ivy Academy High
when redeeming these vouchers is R50 and and Health plans.
School Learner support.
vouchers are valid for fourteen days; INVESTMENTS
Clientèle Blue and Silver Rewards are
optional loyalty benefits available to Clientèle
policyholders.
Product Brochure ••••••••••••••••••••••••FUNERAL
Compare our Rewards Plans
Pick the Rewards Plan that suits your needs and the premium you can afford. H.E.L.P
Blue Silver Gold LEGAL
Monthly Fee R39 R69 R300
Grocery Discount Coupons 50 50 100
Health & Beauty Discount Coupons 50 50 100
Discounted Bus Tickets 15% off 15% off 15% off
Gift Vouchers Up to 10% off Up to 10% off Up to 10% off
Discounted Dining — Up to R100 cashback Up to R100 cashback
Movie Tickets — Up to 50% off Up to 50% off
MOBILE
Data and Airtime Up to 25% off Up to 30% off Up to 35 % off
Plus 100mb* data for 2 months Plus 100mb* data for 2 months Free SIM card
Free R300 airtime per month
* if rewards premiums are paid * if rewards premiums are paid
Soccer Tickets — — Up to 50% off
SA Premier League Soccer Tickets. WEALTH
24 Hour COVID-19 Info Available Available Available
and Trauma Helpline
Free Education Boston Connect short learning programmes Boston Connect short learning programmes Boston Connect short learning programmes
and Ivy Academy high school learner and Ivy Academy high school learner and Ivy Academy high school learner INVESTMENTS
support support support
Showmax — — 10% off Showmax and
Showmax Mobile 1 month subscription
Product Brochure ••••••••••••••••••••••••FUNERAL
It’s easy to How to access Clientèle Rewards:
H.E.L.P
redeem your
Clientèle LEGAL
Rewards
Simply download the Download our Download our
Clientèle App on your Rewards brochure here infographic here
Rewards smartphone from either the for an easy step-by-step guide for an easy step-by-step guide
Contact Centre Apple App, Google Play or on how to use on how to use
Huawei App stores, then click Clientèle Rewards. Clientèle Mobile.
details: MOBILE
on Rewards and follow the
prompts or click here.
Tel: 087 825 1150
Operating Hours:
Monday – Friday: 08h00 – 17h00 WEALTH
Saturdays: 09h00 – 13h00
Clientèle Rewards:
**sms REWARDS to 45487 INVESTMENTS
Combined Product Brochure ••••••••••••••••••••••••FUNERAL
South Africa’s top brands have joined Clientèle Rewards to bring you valuable savings every month
H.E.L.P
LEGAL
MOBILE
WEALTH
INVESTMENTS
Combined Product Brochure ••••••••••••••••••••••••Clientèle
FUNERAL
Helping you to stay
Mobile connected with
your loved ones
H.E.L.P
LEGAL
Significant savings on
data and airtime
Introducing Clientèle Mobile which offers REWARDS
significant savings on data and airtime, helping
you to stay connected with your loved ones.
Rewarding Conversations are now a Clientèle
Mobile SIM card away.
Clientèle Mobile SIM cards are available for
purchase in the Clientèle App and at a Clientèle
kiosk in a mall near you. Get a SIM card and
access some of South Africa’s most affordable
WEALTH
airtime and data deals. Clientèle Rewards
members get additional discounts on airtime
& data and other exciting specials from time to
time.
INVESTMENTS
Combined
Product Brochure
Product Brochure ••••••••••••••••••••••••
•••••••••••••••FUNERAL
Client services & App Why
assistance Clientèle Mobile?
■■ For free assistance from any Clientèle ■■ Purchase/order your SIM card on the Rewards fee payment and 100MB after your H.E.L.P
Mobile number dial 135; Clientèle App; second Rewards fee payment). To qualify
simply confirm debit order details for your
■■ From any other network dial ■■ Your SIM card will be activated within 24
policy(ies) via DebiCheck;
087 825 1155; hours after you RICA at our mall kiosk near
you, or through the Clientèle App; ■■ Are you a Clientèle Rewards member? Then LEGAL
■■ WhatsApp 061 131 8004;
you can enjoy even more savings on airtime
■■ Your Clientèle Mobile SIM card can be
■■ Emergency Services and data with your Clientèle Mobile SIM card;
couriered to you. Please choose this option
(Free from any phone) dial 112;
when signing up; ■■ Clientèle Rewards members get up to 35%
■■ To check your balance: discount. REWARDS
■■ Discounted airtime and data conveniently
Dial *140# or via the Clientèle App;
available through the Clientèle App; ■■ Visit our website to view Clientèle Mobile
■■ To set up your voicemail dial 132; data and airtime rates as well as SIM card
■■ You will receive 100MB free data once your
■■ Lost your SIM card? Call Clientèle collection locations.
SIM card is activated. Clientèle Blue and
Mobile on 087 825 1155. Silver Rewards members get an additional
200MB free data (100MB after your first
Clientèle Mobile:
**sms MOBILE to 45487
WEALTH
You can change your details, buy a new product or lodge a claim
via our App, 24 Hours a day.
The App is free to use on all major SA networks. This means that Clientèle will INVESTMENTS
pay for the data that the App uses.
Product Brochure ••••••••••••••••••••••••
•••••••••••••••Wealth Plan
FUNERAL
It pays to save
with Clientèle.
H.E.L.P
Delivering excellent
Long-terms savings will help you take care of the
returns future by helping you grow your savings. You can
use this savings for education, your deam car,
The Clientèle Wealth Plan offers you top class
new home, lobola or luxuries like an overseas LEGAL
investment by professional fund managers to
holiday.
deliver excellent returns over a 20-year period.
Should you want to ‘surrender’ your policy
(withdraw some or all of the funds saved) you
Products will sacrifice the benefit of long-term savings and REWARDS
Benefits pay a surrender charge. While this will never be
more than 15% of the investment account plus
In the event of your death, your beneficiary/ies will the administration charge, it is something to keep
be paid the full value of your investment account in mind.
MOBILE
without any deductions.
INVESTMENTS
Please visit our website Wealth Plan:
**sms WEALTH to 45487
for more details
Product Brochure ••••••••••••••••••••••••
•••••••••••••••Investment
FUNERAL
Let us help you grow
Plans your investment H.E.L.P
LEGAL
Get back more than
what you put in
Tax free returns and 100% guarantees on our REWARDS
Income and Growth Plans. We offer 5 year
investment terms options allowing you to choose
between endowment or monthly return options.
Get back more than what you put in by investing
MOBILE
smartly with the name you trust.
WEALTH
Product Brochure ••••••••••••••••••••••••FUNERAL
Compare our Investment Plans
Pick the plan that suits your needs and the premium you can afford. H.E.L.P
Guaranteed GROWTH Plan Guaranteed Income Plan
Minimum investment R10,000 R30,000
Investment term 5 years 5 years
LEGAL
Tax-free return Yes Yes
Excellent flexibility options Yes Yes
Tax implications The policyholder receives a tax-free return in terms of current legislation. The policyholder receives a tax-free return in terms of the current legislation
The policyholder fund, administered by Clientèle Life, is liable for all taxes, at the end of the term. Only the non-capital portion of the monthly/annual
REWARDS
including capital gains tax (CGT). annuity is taxable, resulting in the effective tax rate being substantially lower
than other investments where the entire income is taxed.
Underlying Financial Clientèle Life underwrites the policy. Clientèle Life guarantees the original investment value and the yield thereon. The funds are invested in financial instruments
Institutions with an A+ or better credit rating e.g. First Rand, Nedbank, Standard Bank, Investec or ABSA.
MOBILE
WEALTH
Please visit our website Investment Plans:
**sms INVEST to 45487
for more details
Combined Product Brochure ••••••••••••••••••••••••Clientèle Office Park, Corner Rivonia & Alon Roads, Morningside, 2196
Monday to Friday: 08h00 – 17h00 • Saturday: 08h00 – 12h00
Tel: 011 320 3000 • Fax: 011 320 3133 • Email: services@clientele.co.za
Website: www.clientele.co.za • Mobisite: www.clientele.mobi
H.E.L.P Plans: sms HELP to 45487* Funeral Plans: sms FUNERAL to 45487* Investment Plans: sms INVEST to 45487*
Premium H.E.L.P Plan: sms PREMIUM to 45487* Clientèle Mobile: sms MOBILE to 45487* Clientèle Rewards: sms REWARDS to 45487*
Legal Plans: sms LEGAL to 45487* Wealth Plan: sms WEALTH to 45487* Clientèle Legal Business Plan: sms SMME to 32288*
*(sms free of charge)
Disclaimers
**By sending a SMS, you consent to Clientèle processing and retaining your personal information in line with our Privacy Policy which is available on www.clientele.co.za.
Long-term insurance policies are underwritten and administered by Clientèle Life Assurance Company Limited, an authorised financial services provider and licensed
insurer: FSP 15268. Premiums escalate by 10% and benefits escalate by 6% annually.
Short-term insurance policies are underwritten and administered by Clientèle General Insurance Limited, an authorised financial services provider and licensed insurer:
FSP 34655. This is a monthly renewable policy with premiums and benefits escalating by 10% annually.
The Rewards programmes are provided by CBC Rewards (Pty) Ltd, which provides non-insurance services and products relating to lifestyle and loyalty benefits. The
Rewards programmes are offered either as stand-alone products, or as optional loyalty benefits to policyholders in conjunction with insurance policies offered by either
Clientèle Life Assurance Company Limited, or Clientèle General Insurance Limited.
For policy or The Rewards programme terms and conditions visit www.clientele.co.za or contact us on 011 320 3000.
Third parties are remunerated for their services to the brand. This brochure and its contents do not constitute financial advice. Terms and conditions apply.You can also read
