Updated Articles

  1. Where can I view the discount that I qualify for?

    Last Updated: 17/04/2023 in The factors determining my discount
    The discount will be shown on the smartphone used for the digital screening and indicated on the LifeReturns® offer that comes with the quote,  and on the clients momentum profile on momentum.co.za

  2. How is the discount calculated for my Last Survivor Death Benefit?

    Last Updated: 17/04/2023 in The factors determining my discount
    Both lives must complete the screening to earn a discount on the Last Survivor Death Benefit. No discount will be applied to this benefit if only one or none of the two lives completes the screening. The lowest discount of the two lives will be app...

  3. Do all clients on a single policy qualify for discounts?

    Last Updated: 14/04/2023 in The factors determining my discount
    Yes, all clients that complete the digital screening will have their applicable discount applied on their respective benefits.

  4. When a regular debit order discount is lost, does this apply to all my policies?

    Last Updated: 14/04/2023 in The factors determining my discount
    No, it applies to the policy where a debit order was missed. For example, if clients take out a new policy, we will apply the 5% regular debit order discount to the new policy until we receive the first unpaid premium notification from the bank for ...

  5. Must I complete the reassessment screening to keep my regular debit order discount?

    Last Updated: 14/04/2023 in Reassessment process
    No, you activate the regular debit order discount when you complete your first digital screening, and it will remain in place until you miss the regular debit order payment.

  6. Can I lose the regular debit order discount?

    Last Updated: 14/04/2023 in The factors determining my discount
    If clients miss the premium on the policy (i.e., miss a debit order payment), the regular debit order discount will fall away. We will cancel the discount from the first day of the month following the date we received the unpaid debit order notifica...

  7. How is BMI used to determine my premium discount?

    Last Updated: 14/04/2023 in The factors determining my discount
    BMI calculates clients' weight relative to their height and indicates the estimated fat percentage in their body. Clients' weight (in kilograms) divided by their height (in meters) squared is used to calculate their BMI. Example: A client who is 1...

  8. Why do you use BMI instead of Body Fat Percentage?

    Last Updated: 13/04/2023 in The factors determining my discount
    BMI has proven to be an important factor driving claims experience for different benefits and it is a simple metric that is easily and objectively measurable.

  9. I am pregnant. What weight do you use for the BMI calculation?

    Last Updated: 13/04/2023 in The factors determining my discount
    We will use the client's current weight, as validated by our Fastlane practitioner, at the point of screening. Clients will have an opportunity to rescreen at any time.

  10. What factors do you use to determine the discounts?

    Last Updated: 13/04/2023 in The factors determining my discount
    The factors used are: Body Mass Index (BMI) Blood pressure reading Registered medical aid membership Physical fitness level Regular debit order payment
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