Life Insurance Group Risk Benefits

Bryte understands the diverse needs of South African families. Our Group Risk Benefits are customised to ensure loved ones are taken care of financially in the event of the death, disability or critical illness of an employee, member, or a member’s family (dependent on the cover preferences/selections).

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About our insurance

Group Risk Benefits

Group Risk Benefits coverage can be customised with grouped offerings that include benefits that cover life, funeral, income disability, critical illness and education cover.

Our offerings

Cover includes

Bryte’s Group Life Assurance has been customised to ensure that loved ones’ financial responsibilities are taken care of in the event of the death of an employee, member, or member’s spouse.

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Member life benefit

In the event of the natural death of an employee or member, a lump sum benefit is paid to their beneficiaries.
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Spouses life benefit

Optional cover: A lump sum benefit is paid to beneficiaries on the death of a spouse or a life partner.
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Accidental life benefit

A lump sum benefit is paid to the beneficiaries of an employee or member due to violent, external or accidental death.

Optional benefits

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Conversion/continuation option

The policyholder may choose a conversion option to enable employees and spouses to maintain their Group Risk Benefit with Bryte Life in their private capacity, with the same benefits enjoyed under the Bryte Life Group Risk policy.

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Increasing cover during disability

Allows employees or members to maintain coverage without presenting new evidence of their insurability.

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Flex cover

This allows employees to increase their sum assured.

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Education benefit

An indemnity benefit after the death of an employee or member to assist in educating the members’ or employees’ children.

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Burial repatriation

Available under the Life Benefit and Funeral Benefit. Upon the death of the member, employee, spouse, child, or parent covered, the benefit provides for the transport of the deceased.

Embedded benefits

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Grocery funeral benefit

This benefit is available to all members or employees who have life cover. It pays out a benefit in the form of an EFT to help with the family’s expenses.

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Baby benefit

Upon the birth of a new child to the employee or member, Bryte Life pays a grocery benefit to celebrate the new arrival. A 3-month waiting period applies.

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