Let’s be honest – disability insurance probably isn’t something you think about every day… and it’s not exactly casual coffee conversation with your best friends!

But while it’s easy to push the thought of dealing with disabilities or buying insurance for them out of our minds, taking just a few minutes to plan ahead means you don’t have to think about it later. It’s not about expecting the worst – it’s about making sure you can keep living life the way you want, no matter what comes your way.

We all have hopes, dreams and plans – a vision for how we see our lives and those we share it with, play out – from your next holiday to career moves and family milestones. But what if an unexpected event disrupted those plans? With the right financial protection, you can ensure that no matter what happens, your goals stay on track and your lifestyle remains secure.

Here’s the reality – disabilities are much more common than most of us will guess – in fact, around 3,3 million South Africans live with a disability*.

Many people also assume that disabilities only happen suddenly due to accidents, but did you know that musculoskeletal disorders, strokes, and nervous system conditions are among the leading causes of disabilities and usually develop gradually**? 

That’s where disability insurance comes in. With the right cover in place, you don’t have to hit pause on your plans or change your lifestyle, even if it should happen to you. Instead, you can focus on what really matters – doing what you love, with the people you care about.

Here’s something to think about: on average, a person with a disability needs just to maintain their current lifestyle***. 

If you’re a breadwinner, your income gives your family financial security. Making sure you have a backup plan means you can continue providing for yourself and them, even if you’re no longer able to work and earn an income, or face additional expenses like home modifications, assistive devices, or extra medical care not covered by your medical aid.

Old Mutual’s Disability insurance is designed to suit your unique needs and circumstances, giving you a choice between:

Get the right cover, stress-free

Choosing the right disability insurance doesn’t have to be complicated. That’s where Old Mutual’s expert financial advisers make all the difference – they’ll help you find the perfect cover that suits your life, needs, and future goals. 

Take a moment to secure your future: visit  or speak to an Old Mutual financial adviser today.

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* Statistics South Africa, Disability Prevalence Report (https://www.statssa.gov.za/?p=17391)
** Source: Old Mutual Claim Stats 2023 Brochure. 
*** Internal research conducted by Old Mutual through LampPost, February 2022. 

Old Mutual Life Assurance Company (SA) Limited is a licensed FSP and Life Insurer.