Home > Experts > Question Question Posted by: Nkunzi | 2013/02/14 Life Insurance - Bondability Beware of the exclusion on the Bondability life cover before taking it:Life Cover" If the insured life dies within 24 months of commenecement due to any condition, physical defect, illness, bodily injury or disability which the insured was aware of and/or received MEDICAL ADVICE OR TREATMENT during the 24 months prior to the commencement date, or date of reinstatement etc, no claim will be paid and ll premiums paid will be forfeited" . This one is pretty standard and straight forward just make sure you dont die within the 24 months exclusion period.Disability Cover - For instalment protection" If the insured life becomes disabled while the policy is in force due to any condition, physical defect, illness, bodily injury or disability which the insured was aware of and/or received MEDICAL ADVICE OR TREATMENT during the 24 months prior to the commencement date, or date of reinstatement etc, no claim will be paid and ll premiums paid will be forfeited" . This one i have a problem with due to the following 1. It does not have a set period for the exclusion meaning after 24 months the exclusion won''t apply. 2. My understanding also is that if you had seen a doctor 24 months prior to commenecement then and received medical advice/treatment your claim won''t be paid. We see doctors for our tests at least once or twice a year even more for some.In a nutshell i think don''t take the disability portion because you have been disqualified before you even started.Sorry for the long boring mail i couldn''t do it shorter than this. Ciao for now!!! Not what you were looking for? Try searching again, or ask your own question 2 Our users say: Posted by: Nono | 2013/02/19 Hi GuysThank you for the info.first time I hear about Bondability, + - how much are you guys paying (premiums) compared to All Life? I also need a home loan urgently but hey All Life iya khokhoza. Reply to Nono Posted by: Mommy | 2013/02/15 It is tried and tested on this site we have been harping about it for almost 5 years and there are people who even died whilst on it and they paid. So thanks for your diligence but just call them today, you need them more than they need you. Reply to Mommy Have your say Your name (optional) Your comment Security × Thanks for commenting! Your comment will appear on the site shortly. Search health advice Find an answer × Thanks for commenting! Your comment will appear on the site shortly. Reply to Your name (optional) Your comment Security Close Submit comment Recently: Asked Questions Answered Questions Commented Questions Neglect and emotional abuse to a toddler Hi ,I had unprotected sex with someone that I paid,after that night I went to the Dr in the morning and I told him everything,then he gave me prep tabs to use for 28days, I just want to know if this w Lymph Nodes in my son's neck Oralquick and should I use PEP? I need a drug for loosing weight that is also an appetite suppressant unknown sores Hematuria 6 year old - follow up/feedback Do I have anxiety or depression, I really need help. My dogtertjie (5) raak vreeslik hardlywig al vir amper 3 jaar. Involuntary Commitment Hi im on depo for one month now and have gained 7kg despite of the fact that im using herbex slimming products.What can I di to stop the weight gain? Hormone Working for 4 years on Contract Not sure if my boyfriend is in our relationship My son is on a hunger strike because he got braces advertisement From our sponsors Managing diabetes in the workplace Back-to-school with diabetes Discover treatments that can help reduce acne What can I do to reduce or remove acne marks?