This policy is designed to offer lump-sum policy benefits to employees in the event of death or disability. If an employee’s group cover amount exceeds the free cover limit, they will be required to go for medical underwriting, as per the policy terms and conditions. The extra cover above the free cover limit may be granted at an additional cost based on the outcome of the medical underwriting assessment. If the insured life does not go for medical underwriting, then cover will be limited to the free cover limit. Benefits are expressed as a multiple of salary or as a Rand amount. Employee beneficiaries have the flexibility to use the cash lump sum payout as they see fit.