KGANYA LEBONE R132 ADDITIONAL NEW PRODUCT BROUGHT TO YOU BY KGANYA LIFE INSURANCE Z ION C HRISTIAN C HURCH. Sept V4 FOR AS LITTLE AS PER MONTH

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1 ADDITIONAL NEW PRODUCT BROUGHT TO YOU BY KGANYA FOR AS LITTLE AS R132 PER MONTH LIFE COVER Z ION C HRISTIAN C HURCH LIFE INSURANCE KGANYA LEBONE Kganya Insurance Administrators (Pty) Ltd (RF) is an authorised financial services provider FSP Underwritten by Sanlam Developing Markets Ltd IF YOU ARE INTERESTED IN THIS PRODUCT: Please speak to a member of your Church Committee. This product is underwritten and administered by Sanlam Developing Markets Limited Authorised Financial Services Provider Sept V4

2 Message by His Grace the Right Reverend Bishop Dr BE Lekganyane As an active Trustee and Director of Kganya Benefits Fund Trust and the Kganya Group of Companies, I remain keenly interested in their activities as a major service organisation to Zion Christian Church. The Kganya Group celebrated its 28th anniversary in March of Zion Christian Church has celebrated over 100 years of existence and this is indeed a remarkable era for both organisations. I have come to the realisation that much has been achieved from very humble beginnings and both the Kganya Group and Church Officials must be commended for the manner in which they continue to be of service to you the individual member and loyal follower of Zion Christian Church. I exhort the Kganya Group to continue to execute its mandate for the benefit of the congregation. I also urge you, as the ZCC member, to continue proving your loyalty and to freely make use of the many real benefits that the Kganya Group has to offer you. These are benefits that make a positive difference in the life of each member and as the Leader of the Church I remain comfortable that Church Leadership is doing everything in its power to ensure that members of the Church do not suffer unnecessarily. Under my direction the Kganya Group will continue to develop products and projects that are of benefit to members of the Church. These products must at all times reflect the unity that we feel as members of the Church. They must always be dignified and must serve a real purpose in ensuring the prosperity of our members. I will always have the final say on what product I would deem suitable to the membership of the Church. Under my direction Kganya will continue to serve members of the Church. This organisation has been developed by Church Leadership for the benefit of membership of the Church. It is therefore of the Church for the Church and will always be in the service of the Church. The employees of Kganya are fully aware of the role that they fulfil on my behalf and as such you can expect to be respectfully dealt with at all times. I would also urge you to deal with our employees respectfully at all times. Kgotso a e ebe le lena His Grace the Right Reverend Bishop Dr BE Lekganyane

3 My Kganya His Grace the Right Reverend Bishop Dr BE Lekganyane started the Kganya Benefits Fund Trust in 1989, to protect his congregation against tough financial times when a family member passes away. His Grace the Bishop wants every member to be treated fairly, equally and professionally at all times. Ask yourself what matters to you. Kganya Lebone gives your family an advantage when you are no longer here. Life Insurance will provide your family with a guaranteed cash lump sum upon your death. This can assist your loved ones financially while coming to terms with your death. Ensure their future by taking out Life Cover for either: R50 000, R or R

4 KGANYA Mahlasedi Who can apply for this insurance? Members Who can of apply the ZCC. for this insurance? Members of the ZCC. Product Description Background People with dependents, such as children, partners, or elderly parents, provide support to their dependents in many ways. Financial support often forms a significant component of the support provided. When a person is no longer able to provide this support, the dependents must find alternatives and this can take time. The Kganya Lebone Life Policy (the Policy) aims to ease the financial pressures which would be experienced during this transition. Distribution The Policy is distributed via a Call Centre operation in terms of a joint venture between Sanlam Developing Markets Limited (SDM) and Kganya Alternative Distribution (Pty) Ltd (Kganya). Members of ZCC who are interested in taking out the Policy should approach a member of their Church Committee. The Committee member will complete a Please Call Me form which will be forwarded to the SDM Call Centre. Upon receipt of this form, a Call Centre Agent (who is a member of ZCC) will call the interested party and conclude the Policy. Alternatively, members of ZCC who require more information about the Policy can call the Kganya Helpline on or visit the Kganya Website ( Please Call Me forms and marketing material are distributed to the Zion Christian Church Committees by Kganya Insurance Administrators (Pty) Ltd (RF) via its Service Centre Managers. Outline of Policy The cover offered under the policy is whole-life cover. The Policy provides life cover for the Principal Life Assured only. 2

5 BURIAL COVER LIFE COVER YOU CHOOSE A PACKAGE FOR AS AND PLAN LITTLE AS THAT SUITS YOU! R132 PER MONTH KGANYA LEBONE MAHLASEDI Benefits Only a Life Cover benefit will be offered on the Policy. Three Life Cover benefit options are available. Each individual may elect only one of the following Life Cover benefit options: R sum assured R sum assured R sum assured The Life Cover benefit will be subject to a waiting period (see below). Premiums Premiums are differentiated solely by a Principal Life Assured s age at the start of cover. The applicable gross monthly premiums are as follows: 1 All ages refer to age at last brithday LIFE COVER Sum Assured R R R years R R R Age at entry years R R R

6 KGANYA Mahlasedi Who can apply for this insurance? Members Who can of apply the ZCC. for this insurance? Members of the ZCC. Terms and Conditions The principal terms and conditions of the Policy are as follows: TERMS AND CONDITIONS The principal terms and conditions of the Policy are as follows: ELIGIBILITY Cover is voluntary for all individuals. START OF COVER Cover Starts on the 1st (first) day of the following month after receipt of the first Premium. PREMIUMS, LAPSES, AND GRACE PERIOD Premiums are due monthly in advance on the first day of each month. The Policyholder has a Grace Period from the first day of the month to pay that monthy premium. Cover will continue, with no reduction in cover, during the Grace Period. The Policy will lapse at the end of the Grace Period if the premium is not paid within the Grace Period. The Grace Period will extend by one calendar month for each complete 12 calendar month period that the Policy has been in-force. The Grace Period can be extended up to a maximum of 6 months. Any outstanding premiums will be deducted from the claims payment before the payment is made. UNDERWRITING Underwriting will be performed when a Principal Life Assured applies for cover, that is cover will either be accepted or rejected based on the results of a medical questionnaire (see below) MEDICAL UNDERWRITING No medical examinations or pathology tests (HIV or other pathology) will be requested. 4

7 BURIAL COVER LIFE COVER YOU CHOOSE A PACKAGE FOR AS AND PLAN LITTLE AS THAT SUITS YOU! R132 PER MONTH KGANYA LEBONE MAHLASEDI WAITING PERIOD DEATH DUE TO NATURAL CAUSES Cover for death due to natural causes will be subject to a waiting period. Claims as a result of insured events which occur within the waiting period will be limited to the amounts tabled below: Duration since start of cover Sum Assured R R R months R0 R0 R months R R R More than 12 months R R R The waiting period for all benefits will start when cover starts. ACCIDENTAL DEATH No waiting period will apply for accidental death. MINIMUM AND MAXIMUM AGE AT ENTRY The minimum and maximum ages at entry for cover under the Policy are as follows: Benefit Minimum Age at Entry* Maximum Age at Entry* Life Cover * All ages refer to age last birthday 5

8 KGANYA Mahlasedi Who can apply for this insurance? Members Who can of apply the ZCC. for this insurance? Members of the ZCC. Terms and Conditions Terms and Conditions The principal terms and conditions of the Policy are as follows: BENEFICIARY SDM will pay the benefit from this Policy to the nominated beneficiary. If that person is a minor, the money will be paid to their legal guardian. If the Policyholder did not nominate a beneficiary or the nominated beneficiary cannot be found, SDM will pay the money into the estate of the Policyholder/Principal Life Assured. QUESTIONS INCLUDED IN THE MEDICAL QUESTIONNAIRE The following questions will be included in the medical questionnaire: 1. Have any of your applications for life cover in the past been declined or accepted with a loading or exclusion? 2. Have you ever claimed any benefit from sickness, disability or critical illness? 3. In the last ten years: 3.1 Did you need to sleep over in a hospital or day clinic for 2 nights or more, because of ill health (excluding for any operations or injuries or childbirth)? 3.2 Did you need to take medicines daily for any period longer than a month (excluding tablets for high blood pressure, high cholesterol and birth control tablets)? 3.3 Have you had an X-ray taken, ECG s, any scan or ultrasound examination, blood tests or other tests that provided abnormal results (excluding pregnancy) and required treatement? 4. Have you ever had any of the following?: Cancer Heart attack or heart disease Diabetes (sugar disease) Parkinson s disease Emphysema/chronic bronchitis or TB Angina Heart failure Stroke Kidney failure Multiple sclerosis 6

9 Physical Address Postal Address Telephone & Fax Number Polokwane 26 General Joubert Street, Polokwane 0699 Pretoria 1249 Francis Baard Street, Hatfield 0083 Private Bag X9542 Polokwane, 0700 P O Box Hatfield, 0028 ( Fax ( Fax Johannesburg 1st Floor, 357 Rivonia Boulevard Rivonia, 2128 P O Box 2876 Rivonia, 2128 ( Fax Rustenburg Office No. 1, Five EFS Building Cnr Berg & Oliver Tambo Street Rustenburg, 0299 Thohoyandou Office No. 2, Ndou Mall Cnr Tshanduka & Thulamela Street Thohoyandou, 0950 Nelspruit 509 Kamkholo Building, 5th Floor Cnr Brown & Voortrekker Street Nelspruit, 1200 P O Box 7145 Rustenburg, 0300 P O Box 218 Thohoyandou, 0950 P O Box Nelspruit, 1200 Tzaneen 19 Danie Joubert Street, Tzaneen, 0850 P O Box 3494 Tzaneen, 0850 Burgersfort Office No. 1, 1st Floor Maphutha Ditshaba Building Cnr Eddie and Church Street Burgersfort, 1150 Welkom 1st Floor, ABK Centre, Heeren Street Welkom, 9460 Vryburg Office No. 3, Wie-Cla Centre Cnr Market & Molopo Street Vryburg, 8600 Giyani Shop No. 28, Masingita Plaza Cnr Malamulele & Main Rds, Giyani, 0826 Mokopane Office No. 16 & 17, 42 Retief Street Mokopane, 0601 Groblersdal 7 Kruger Street, Ext 2, Groblersdal 0470 P O Box 3079 Burgersfort, 1150 P O Box 795 Welkom, 9460 P O Box 769 Vryburg, 8600 P O Box 4275 Giyani, 0826 P O Box 502 Mokopane, 0600 P O Box 1438 Groblersdal, 0470 ( Fax ( Fax ( Fax ( Fax ( Fax ( Fax ( Fax ( Fax ( Fax ( Fax Kganya Service Centres Klerksdorp Room 311A, Danfor Medical Centre Jersich Street No. 1, Klerksdorp, 2571 P O Box Flamwood Walk, 2535 ( Fax Mthatha Office No. 8, LCM Ludidi Building 63 Madeira Street, Mthatha, 5099 P O Box 562 Mthatha, 5099 ( Fax Bushbuck Ridge Bushbuckridge Shopping Centre Office No. 6A Cnr Main Bushbuckridge & Graskop Roads, Bushbuckridge, 1280 Louis Trichardt Office No 10, Game Centre, CNR President & Songozwi Str, Makhado,0920 Go to ( Fax (

10 KGANYA Notes Mahlasedi Who can apply for this insurance? Members of the ZCC. 8

11 Notes

12 LIFE INSURANCE Tel: His Grace The Right Reverend Bishop Dr BE Lekganyane Headquarters: Zion City Moria. P O Box 1, Boyne, 0728 Kganya Insurance Administrators (Pty) Ltd (RF). P.O Box 394, Rivonia, 2128