To provide you with our services, we are required to process your personal information and will do so in accordance with our business requirements and legal obligations. You acknowledge that your personal information may be verified and / or processed for insurance, insurance, financial services, and risk management purposes by Companies against any other reasonable and legitimate sources or databases. This is to ensure the accuracy and completeness of any personal information provided on an ongoing basis.
We will process your personal information for the following purposes: Quoting, underwriting, pricing, servicing, and executing of insurance and other financial services. Assessing of financial and insurance risk. Assessing and processing of claims and complaints. Developing and improving of products and services. Credit referencing and/or verifying of personal information. Fraud prevention and detection. Market research and statistical analysis. Auditing & record keeping. Compliance with legal and regulatory requirements.
Guardrisk Life Limited will not share your information with any third party unless it is for purposes of facilitating the conclusion of this application for insurance and managing your insurance. Safrican Insurance may therefor with your permission, disclose your information to any third party should it be necessary.
Where information is shared, we will take all precautions to ensure that the third party will treat your information with the same level of protection as required by us. Your information may be hosted on servers managed by a third-party service provider which may be located outside of South Africa.
We may transfer your personal information outside the borders of South Africa, if required, to provide any of the services.
You may access your personal information that we hold and may object to the processing of your personal information, or request us to correct any errors, or delete this information if there is no legitimate reason for us to maintain it.
You have the right to complain to the Information Regulator if you feel we are unlawfully processing personal information. The Information Regulator’s details can be found by visiting https://www.justice.gov.za/inforeg/
Type of Policy: Funeral Class of Business Risk covered: Death Policy Benefits: Max R30 000
Monthly Premium: As per the policy agreement Due date and frequency: Monthly
Manner of payment of premium: Direct deposit, Debit order, Easypay, Sapo
Consequence of non-payment: Cover will cease, and no further benefits will be in force.
Details of any premium increases, including the frequency and basis thereof: Annually upon the Review Date.
The Intermediary does not directly or indirectly hold more than 10% of the relevant product supplier’s shares or has any equivalent substantial financial interest in the Insurer.
This membership is administrated by: Pioneer Funeral Administrators, an Authorised Financial Services Provider FSP No. 41507.
This membership is underwritten by: Guardrisk Life Limited, Company Registration Number 1999/013922/06, a registered insurer and authorised financial services provider FSP No 76.
If any Claim under this Policy is in any respect fraudulent, or if any fraudulent means or devices are used by the Beneficiary or anyone acting on her/his behalf to obtain any benefits under this Policy, all benefits including premiums paid under this Policy shall be forfeited. The Insurer will take any appropriate action deemed necessary in such an instance and the Insurer’s rights will remain reserved at all times.
You will be informed of any material changes to the information about the Intermediary, Insurer and or Underwriting Manager provided above. You/ your Nominated Beneficiary has the right to claim; the conditions under which a claim may be made are stipulated in the policy and may be made by contacting Exodec on 016 362 0334 or email: claims@exodecgroup.co.za. You will always be given a reason for the repudiation of Your claim. If the Insurer wishes to cancel Your policy, the Insurer will give you 31 (thirty-one) days written notice to Your last known address. You will always be entitled to a copy of Your policy at no extra charge.
Warning: Do not sign any blank or partially completed application form. Complete all forms in ink. Keep notes of what is said to You and all documents handed to You. Where applicable, call recordings will be made available to You within 7 (seven) days of request. Don’t be pressurised to buy the product. Failure to provide correct or full relevant information may influence an Insurer on any claims arising from Your contract of insurance.
Waiver of Rights: No insurer and/or intermediary may request or induce in any manner a client to waive any right or benefit conferred on the client by/or in terms of any provisions of the said Code, or recognise, accept or act on any such waiver by a client. Any such waiver is null and void.
DECLARATION OF UNDERSTANDING
I hereby confirm that the agent has provided me with satisfactory details of his relevant experience and assisted me in completing the application form and in understanding all the terms and conditions as stipulated in this document. The benefits of this membership have been explained to me in detail and I understand and desire such benefits. The monthly contribution as indicated is affordable within my current monthly budget. Full membership underwriting details and terms and conditions as well as complete commission and admin fee breakdown available on membership certificate/membership acceptance letter. Membership certificate/membership acceptance letter available at your nearest office or contact our Head office for more information.
All contributions inclusive of commission.
Pioneer Funeral Administrators
Physical Address: 11/1 Iris Street, Heatherdale, Akasia, 0118
Postal Address: P.O Box 58308, Karenpark, Pretoria, 0118
Tel: (012) 542 4307 Fax: (012) 542 3059 Email: info@pioneerfuneral.co.za Web: www.pioneerfuneral.co.za/admin
Reg No: CC 2010/036984/23
Ombudsman for Long-term Insurance
Postal Address: Private Bag X45, Claremont, Cape Town, 7735
Tel: (012) 657 5000 Fax: (012) 657 0951 Email: info@ombud.co.za Web: http://www.ombud.co.za
FAIS Ombudsman
Postal Address: PO Box 74571, Lynnwood Ridge, 0040
Tel: (012) 762 500 Fax: (012) 348 3447 Email: info@faisombud.co.za Web: http://www.faisombud.co.za Sharecall: 086 FAISOM (0860 3247 66)
Business Name: Guardrisk Life Limited
Registration number: 1999/013922/06
Physical address: The Marc, Tower 2, 129 Rivonia Road, Sandton, 2196
Postal address: PO Box 786015, Sandton, 2146
Telephone: +27-11-669-1000 Email: info@guardrisk.co.za Web: www.guardrisk.co.za
FAIS registration (FSP No): FSP 76