WHY LEGALWISE?

Why should you join LegalWise ?

Being exploited is costly. Not having a lawyer on your side when you need one is even more costly. As a member of LegalWise you get immediate assistance from us for non-insured problems. You also get legal expenses cover of up to R58 000, R100 000 or R150 000 per insured case - paid directly to the attorney. We pay as per the LegalWise tariffs and conditions.

What does LegalWise membership cover?

	Job related problems e.g. unfair dismissal
	Homeowner problems e.g. defective building work
	Motor-vehicle problems e.g. guarantees or poor repairs
	Motor-vehicle accidents
	Personal injury claims including "third party claims"
	Consumer related problems e.g. buying an appliance
	Criminal charges levelled against you or your family
	Insurance related problems e.g. non-payment of claims

What is NOT covered by LegalWise?

In order to keep the membership fees affordable, certain items are not covered. These include:

	Traffic fines
	Political matters
	Matrimonial matters e.g. divorce
	Old disputes (any cases that came up prior to LegalWise membership)

MONEY BACK GUARANTEE

LegalWise offers a highly professional legal service at very reasonable rates (1.69Mb PDF). However, should you find the policy terms to be less than satisfactory within the first three months of subscription you will be fully refunded. No questions asked.

For more information call now on 08 600 35 000.

Ke mathata fela (Life's full of problems)

As a LegalWise member you don't have to worry about unforseen legal
problems or costs. Our 24 hour LegaLine to professional assistance anywhere in the country means 24 hour peace of mind. Be legally prepared, whether you are wrongly sued or you wish to sue someone for a wrong done to you.

OPTION A: Goldplus Membership. R100 000 of legal power ! Plus Legal Emergency fast track

GoldPLUS gives you everything our Gold membership offers PLUS these extra legal power benefits for R84 per month.

1. up to R100 000 worth of legal power per matter. That’s R42 000 more.
2. Legal Emergency Fast Track. This added benefit gives you an immediate ½ hour consultation per year with an attorney provided by LegalWise at no extra charge. You can use it for any matter, covered or not.

Do you need the extra power GoldPLUS gives you ! As a general rule, the more you earn and spend as a consumer, the more numerous and complex your legal problems become. You are the best judge of your own needs. If you feel that you may need extra cover in the future then GoldPLUS is for you.

OPTION B : Gold Membership. R58 000 of legal power !

This is the membership that has stood the test of time for over 25 years. It continues and has worked effectively for over a million members and their problems. It can work for you too. For only R58 per month Gold Membership gives you:

1. up to R58 000 worth of legal power per matter
2. protection that covers you, your spouse and all your children under 18 years of age
3. 24 hour access to help and advice
4. insurance that pays your LegalWise premium for 6 months if you are retrenched at no extra charge
5. a Wiseup newsletter with advice and tips

NEW! Exclusive to LegalWise members and their extended families

Once you become a LegalWise member, you will also be able to add extended family members to your policy at a lower premium!  Extended family members are your parents, your-in-laws, brothers, sisters and children over 21.  When we receive your application to join Legalwise, we will post your policy documents to you, including all the information you need on the new Extended Family Protector.

WHY LIFEWISE?

LifeWise means you have peace of mind. Everyone in your family, when the time comes, can have a dignified and proud funeral.

Although death is usually the furthest thing from one's mind, it must be thought about, and most importantly, prepared for.

Like most things in life a funeral is expensive and something that has to be planned for. How many of us can really afford a dignified and proud funeral?

LifeWise now offers you an affordable comprehensive family funeral policy plan underwritten by Hollard Life Assurance Company Limited. You choose the option that suits your needs. Cover from R5 000 for only R24 per month.

Why join LifeWise?

	LifeWise offers you various flexible plans that provide cover for you, your partner, children and parents.
	Premiums that everyone can afford.
	Very easy claims (1.82Mb PDF) procedures.
	No medical examinations.
	Cash pay-outs within 48 hours on verification of a valid claim and on receipt of all claims assessment documents by LifeWise.
	Immediate cover for an Insured in the event of accidental death.

Membership of this policy is subject to the acceptance by Hollard Life and the terms and conditions as stipulated in the policy wording.

MONEY BACK GUARANTEE
There is a 30 day money-back guarantee from the date of receipt of the policy wording, should you not have a claim, you may cancel the policy within that time period.

OPTION 1 (Family)
For only R28 per month: Age under 46 years
For only R36 per month: Age 46 to 65 years
Premium subject to change

1. You are covered / insured for R5 000
2. Your partner is also covered / insured for R5 000
3. Children under 1 or stillborn covered for R1000
    Children between 1 and 3 years covered up to 50%
    Children between 14 and 21 years covered up to 100%

Maximum entry age 65 years of age. A standard 6 months waiting period applies.

OPTION 2 (Family)
For only R52 per month: Age under 46 years
For only R62 per month: Age 46 to 65 years

3. You are covered / insured for R10 000
4. Your partner is also covered / insured for R10 000

Maximum entry age 65 years of age. A standard 6 months waiting period applies.

OPTION 3 (Family)
For only  R71 per month: Age under 46 years
For only R89 per month: Age 46 to 65 years
Premium subject to change

5. You are covered / insured for R15 000
6. Your partner is also covered / insured for R15 000

Maximum entry age 65 years of age. A standard 6 months waiting period applies.

OPTION 4 (Family)
For only R90 per month: Age under 46 years
For only R111 per month: Age 46 to 65 years
Premium subject to change

7. You are covered / insured for R20 000
8. Your partner is also covered / insured for R20 000

Additional benefits

A maximum of 5 children may be covered under options 1, 2 and 3 at no additional premium. Cover ceases on 21 years of age unless the child is a full time student in which event cover will cease on 25 years of age. All relevant information must be provided on the application form.

Children's Benefit::
Stillborn child after 28 weeks of pregnancy R1 000
Under 1 years old R1 000
1-13 years old 50%
14-21 years old 100%
14-21 years old R5 000

Additional cover

You can also add your parents to the funeral policy. A maximum of 4 parents will be allowed. A 9 month waiting period applies.

Parents Benefit:
Premium: R4 per R1000 cover per parent - Under 55 years
Premium: R6 per R1000 cover per parent - Between 56 - 65 years
Premium: R8 per R1000 cover per parent - Between 66 - 75 years
Premium subject to change

A maximum of R5 000 cover per parent is allowed.
Maximum entry age 75 years of age. A standard 9 months waiting period applies.

HOW DO I JOIN?

Joining LifeWise is easy

1.Click here to download an application form.
2. Upon completion of your application form, post immediately to LifeWise. If you prefer, you may even fax us your application form on (011) 472-2055.
3. You may also contact your nearest LegalWise/LifeWise branch for more information on how to join LifeWise. You'll find all the branches and telephone numbers on the contact us section of the website.

LifeWise will then:
1. Register your application into our policy management system
2. Send your policy document and other legal documents to your postal address mentioned on your application form

Statutory Notice.