Life insurance built around choice, quality and proper underwriting.
Compare fully underwritten life insurance quotations from Sanlam, Old Mutual, Momentum and Discovery — with professional advice from Lebon Consulting and digital access through MyBenefitz.
Four leading insurers. One guided comparison.
We don’t believe clients should be offered one product from one provider without seeing the alternatives. For every qualifying client, Lebon Consulting generates quotations from all four insurer partners and presents a recommendation built on eight measurable factors — not just the lowest premium.
How we compare
Fully underwritten, by design.
Every life insurance solution we recommend is fully medically underwritten. The insurer assesses your health, lifestyle, occupation, financial position and risk profile before finalising terms and premium — not after a claim.
Simplified or quick-issue products may look convenient, but fully underwritten cover provides a more robust foundation for serious financial protection.
- More accurate pricing
Premiums reflect actual risk, not averages.
- Better risk-premium alignment
Pay for what you genuinely need.
- Fewer claim-stage surprises
Health and lifestyle disclosed upfront.
- Reduced non-disclosure disputes
Full transparency at application.
- Confidence the cover performs
Underwritten cover stands up under stress.
- Sustainable insurance outcome
Built for the long term, not the launch month.
The benefits we structure around your needs.
Combined or chosen individually — structured to fit your life stage, dependants, debt and long-term plan.
Life Cover
Lump-sum benefit paid to your beneficiaries or estate. Settles debt, replaces income, maintains lifestyle, funds education and preserves financial stability.
Disability Cover
Lump-sum or income-style benefit if you become disabled and can no longer earn. Structured to your insurer of choice.
Critical Illness
Lump sum on diagnosis of serious illness — covering medical, recovery and lifestyle costs.
Income Protection
Monthly income if illness or injury keeps you out of work. Protects ongoing financial commitments.
Funeral & Immediate Expenses
Where appropriate, optional funeral or immediate-expense benefits assist family with urgent costs.
Estate & Legacy Planning
Estate liquidity, business continuity, debt settlement and structured wealth transfer for the next generation.
A digital starting point — without losing the advice.
MyBenefitz is a product of Lebon Consulting, operating as its Juristic Representative. Submit your information online in approximately five minutes — our team takes it from there.
- 01Submit your information
Approximately 5 minutes through the MyBenefitz portal.
- 02We request quotations
Across the full Sanlam · Old Mutual · Momentum · Discovery panel.
- 03We compare like-for-like
Cover, premium, terms and benefits — measured against your needs.
- 04We recommend with advice
A written recommendation, explained by an authorised adviser.
Five reasons clients choose us for life cover.
Independent advice, quality cover, full underwriting and a digital starting point — without losing the human guidance.
We compare four leading insurers
Quotations from Sanlam, Old Mutual, Momentum and Discovery — assessed at preferred premium levels.
We focus on quality, not the cheapest premium
Benefit quality, policy terms, underwriting outcomes and long-term suitability — not just price.
Fully underwritten, by default
Better pricing accuracy, fewer non-disclosure disputes at claim stage.
Professional advice, on the record
Authorised FSP. Help you understand options and make informed decisions.
Digital starting point
Through MyBenefitz — convenient and fast, with full advisory support.
If any of these sound like you, we should talk.
- Individuals with dependants
- Parents and families
- Homeowners with bond obligations
- Professionals and business owners
- Employees needing additional cover
- Clients reviewing existing policies
- Disability, illness or income protection seekers
- Estate and legacy planners
Quotes from four insurers — in five minutes.
Request your quote digitally through MyBenefitz. Our team compares the panel and helps you choose suitable cover — with professional advice on the record.
What you get
- 4 insurer quotesSanlam · Old Mutual · Momentum · Discovery
- Fully underwrittenMedical, lifestyle and occupation assessed
- Professional adviceOn the record, from an authorised FSP
- ~5 minutes to startMyBenefitz online intake