INSURANCE DISCLOSURE DOCUMENT 

DISCLOSURE REQUIREMENT IN TERMS OF SECTION 4 TO 7 OF THE GENERAL CODE OF CONDUCT OF THE FINANCIAL ADVISORY AND INTERMEDIARY SERVICES (FAIS) ACT, No 37 OF 2002 

The purpose of this document is to provide you with key information that you should know before proceeding with the  Policy. As a Policy Holder (or Principal Insured) you have the right to the following information: For the purpose of this  document, FSP = Financial Services Provider as defined in the FAIS Act, and is the insurance broker or intermediary. 

Intermediary Aspis (Pty) Ltd 

Registration Number: 2011/005416/07 

Registered as a Financial Services Provider, FSP No. 48407 

Postal Address: P O Box 467, Kloof, 3640 

Street Address: 45 Old Main Road, Kloof, 3610 

Compliance Department: L. Pardy & Associates (Pty) Ltd, Tel: 031 582 1419, email: louise@lpardy.co.za Phone Number: 031 818 0005 

PI Cover: Aspis (Pty) Ltd has Professional Indemnity Cover and Fidelity Guarantee Cover in place.  Legal Status: Aspis (Pty) Ltd is a licensed financial service provider in terms of section 8 of the Financial  Advisory and Intermediary Services Act (Act no 37 or 2002). Aspis (Pty) Ltd does not own  

or directly hold more than 10% of the Insurer’s shares and does not receive more than 30%  

of its total commission and remuneration from the Insurer over the preceding 12 months. 

Claims Procedure: Claim forms and all required documents are to be submitted to Aspis on 031 818 0005 or  claims@aspis.co.za 

Complaint Resolution Policy: All complaints relating to the Intermediary must be sent in writing, to the Complaints  Manager, Paul Bishop on info@aspis.co.za 

Conflict Of Interest Policy: Aspis (Pty) Ltd have a documented Conflict of Interest Policy which you can access via  www.aspis.co.za 

Secure Us Financial Services (Pty) Limited, Reg. No. 2022/768698/07, is a Juristic Representative of Aspis (Pty) Limited and renders all financial services in the name of Aspis (Pty) Limited, who has Professional Indemnity cover in place. 

Aspis (Pty) Ltd earns a commission (up to 21% of the monthly premium) which is paid by the Insurer. 

Underwriting Manager Monitor Administrators (Pty) Ltd. 

Registration Number: 2003/004608/07 

Registered as a Financial Services Provider, FSP No. 17824 

Vat No: 4890207980 

Postal Address: PO Box 467,Kloof, 3610 

Physical Address: 45 Old Main Road, Kloof, 3610 

Phone Number: 031 812 2043 

Compliance Department: Independent Compliance Management Solutions CC, dsmith@compliancesolution.net  Tel: 074 187 7325  

Complaint Procedure: Customer satisfaction and retention of your business is vital to us and has been one the  tenets of our ongoing success. We appreciate the effort you take in bringing a problem to  

our attention and are committed to the prompt and fair resolution of any complaints. If your  

client service consultant is not able to address your complaints, kindly email  

complaints@monitorsa.co.za. If you do not receive a satisfactory resolution please do not  

hesitate to lodge a complaint with our compliance office. 

Binder fee: Monitor earns a binder fee of up to 19% on the insurance facility, calculated on the gross  risk premium paid for by the Insurer.

Insurer: 1Life Insurance Limited 

Reg No. 2005/027193/06 

A licensed life insurer and a Financial Services Provider, FSP No. 24769 

Physical Address: Auto & General Park, 1 Telesure Lane, Riverglen, Dainfern, 2191 Postal Address: PO Box 11250, Johannesburg, 2000 

Phone Numbers: Tel: 011 428 1405 

Legal Status: 1Life Insurance Limited is a licensed insurer and financial services provider licensed to  provide advice and render intermediary services on long term insurance category A and B. 

PI and FG Cover: 1Life Insurance Limited has Professional Indemnity Cover in place. Compliance Department: Tel: 0860 99 99 54 

Complaints: Contact the Internal Dispute Resolution Department:  

PO Box 11250, Johannesburg, 2000 

Tel: 0860 10 54 31 e-mail: complaints@1lifefuneral.co.za 

To access our Complaints Resolution Policy kindly e-mail: complaints@1lifefuneral.co.za 

Due date of payment: The premium is paid upfront on a monthly basis  

Consequence of non payment: Non payment of premium may lead to cancellation of cover subject to Rule 15A of the  Policyholder Protection Rules. 

Premium amount: The premium is detailed on your policy schedule  

Type of policy: The type of policy is detailed on your policy schedule 

WARNINGS AND OTHER MATTERS OF IMPORTANCE 

• You must be informed of any changes to the Intermediary FSP, Underwriting Manager and Insurer or any material  changes to the Policy terms and conditions, as contained in the Policy wording. 

• If the information regarding the Policy was given verbally, it must be confirmed in writing within 31 (thirty one) days. • If any complaint to the Insurer or representatives thereof is not resolved to your satisfaction, you may submit the  complaint to the Long-term Insurance Ombudsman or the FAIS Ombudsman, the details of whom are set out below.  Note that you must be able to show that you have already attempted to resolve the matter with your Insurer or  representatives thereof first. 

• Polygraph or a lie detector test is not obligatory. In the event of a claim and failure thereof may not be the sole reason  for repudiating a claim. The Insurer not the Intermediary FSP must give reasons for repudiating your claim.  • Your Insurer may not cancel your Policy merely by informing the intermediary FSP. There is an obligation to make sure  the cancellation notice has been sent to you. 

• You are entitled to a copy of the Policy terms and conditions free of charge. 

• Keep all documents handed to you and make notes as to what is said to you. 

• Don’t be pressurised to buy the Policy. 

• Incorrect, false, misleading or non-disclosure by you of any relevant facts or information may influence an Insurer’s  decision on any claims arising from your contract of insurance or Policy.