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Financial planning

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Top-up Debt Protection Plan

Credit cards are a great way of accessing money when you really need it. FNB Petro Card (standalone only), Classic, Gold, Premier, Private Clients and Private Wealth Credit Card holders qualify for FREE embedded cover in the event of death or permanent disability from R1 000 to R12 000, depending on your card.

The Top-up Debt Protection Plan is designed to cover any debt on your credit card. This cover is over and above your free embedded cover for FNB Petro Card (standalone only), Classic, Gold, Premier, Private Clients and Private Wealth Credit Card holders. Top-up Debt Protection offers cover for the FULL outstanding balance on your credit card in the event of death or permanent disability, and cover for your minimum FNB Credit Card installments for up to 12 months in the event of temporary disability and unemployment/ inability to earn an income.

Top Up Debt Protection Terms and Conditions (17 April 2020 - to date)

Top Up Debt Protection Terms and Conditions (01 JAN 2019 to 16 APR 2020)

Top Up Debt Protection Plan Terms and Conditions (01 August 2017 to 31 December 2018)

FNB Top-Up Debt Protection Plan (on or after 1 July 2014)

FNB Top-Up Debt Protection Plan (prior to 1 July 2014)

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Overdraft Debt Protection Plan

An overdraft is a good safety net to have in place to cover those unforeseen expenses that might occur. The Overdraft/Fusion Debt Protection Plan offers you cover for the FULL outstanding balance on your overdraft in the event of death or permanent disability, and cover for your minimum monthly installments (being 5% of your outstanding balance on your overdraft ) for up to 12 months in the event of temporary disability and unemployment/inability to earn an income.

Overdraft/Fusion Debt Protection Plan Terms and Conditions (17 April 2020 - to date)

Overdraft/Fusion Debt Protection Plan Terms and Conditions (01 JAN 2019 to 16 APR 2020)

Overdraft/Fusion Debt Protection Plan Terms and Conditions (01 August 2017 to 31 December 2018)

Overdraft/Fusion Debt Protection Plan Terms and Conditions (01 June 2009 and 3 September 2012)

Overdraft/Fusion Debt Protection Plan Terms and Conditions (04 October 2012 and 31 September 2016)

Overdraft/Fusion Debt Protection Plan Terms and Conditions (28 September 2016 and 19 February 2017)

Overdraft/Fusion Debt Protection Plan Terms and Conditions (20 February 2017 - 31 July 2017)

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Revolving Finance Debt Protection Plan

The advantage of a revolving loan is that credit is available to you when you need it without having to reapply for the credit every time. You also have the benefit of using as little or as much of the facility as you require. The Revolving Finance Debt Protection Plan offers you cover for the FULL outstanding balance on your revolving loan in the event of death or permanent disability, and cover for your monthly repayment on the revolving loan for up to 12 months in the event of temporary disability and unemployment/inability to earn an income.

Revolving Loan Protection Plan Terms and Conditions (17 April 2020 - to date)

Revolving Loan Protection Plan Terms and Conditions (01 Jan 2019 to 16 Apr 2020)

Revolving Loan Protection Plan Terms and Conditions (26 August 2010 - 31 July 2013)

Revolving Loan Protection Plan Terms and Conditions (01 August 2017 to 31 December 2018)

Revolving Loan Protection Plan Terms and Conditions (28 August 2013 - 31 September 2016)

Revolving Loan Protection Plan Terms and Conditions (28 September 2016 - 19 February 2017)

Revolving Loan Protection Plan Terms and Conditions (20 February 2017 - 31 July 2017)

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Home Loans and Housing Finance Mortgage Debt Protection Plan

Your home is one of the biggest and most important purchases you will make in your life. Protect yourself and your family by making sure you never end up in a position to lose your home. The Mortgage Protection Plan settles your outstanding balance in the event of death or permanent disability and covers the minimum monthly installments of your home loan in the event of temporary disability or unemployment/inability to earn an income.

Mortgage Protection Plan Terms and Conditions (1 May 2013 - 8 August 2017)

Mortgage Protection Plan Terms and Conditions (01 January 2019 to date)

Mortgage Protection Plan Terms and Conditions (14 August 2017 to 31 December 2018)

Mortgage Protection Plan Terms and Conditions (Prior to 08 August 2017)

Smart Housing Customer protection Plan Terms and Conditions

Smart Housing Cover Letter post NCA TIR

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Dynamic Life≫ Home

Cover for complete peace of mind

No matter what happens, ensure your home and family are taken care of with cover from R200 000 up to R100 million.

We've got you covered with Dynamic Life>> Home in the event of your unforeseen death, disability or critical illness.

Cover and premiums automatically change with the balance of your FNB Home Loan so you always have the right amount of cover in place.

The Dynamic Life>> Home Plan covers the outstanding amount on your FNB Home Loan.

> More on Dynamic Life≫ Home

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Qualifying criteria

  • Earn between R750 000 and R1499 999 p.a. to qualify

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Documents needed

  • South African ID book (bar-coded)/valid South African passport (SA resident)
  • Passport with valid work/retirement permit (non-SA resident)
  • Proof of residence (in your name, and not older than 3 month's)
  • Latest payslip or last three months' bank statements (for overdraft applications only)

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What this is

Having to go into debt to pay for certain things in life is often an overwhelming and daunting thing. However, there are good and necessary forms of debt which allow you to generate income and increase your net worth and wealth, like home and car loans for example.

Applying for debt still remains a big decision and requires serious consideration. For example if something happens to you and you can't earn a living, will you be able to manage your debt obligations, or will you burden your family with debt they can't afford?

Debt protection covers your outstanding debt in the event of death, disability or retrenchment. Give yourself peace of mind in a difficult situation.

Debt protection

Peace of mind in a difficult situation

Debt protection covers your outstanding debt in the event of death,
disability or unemployment/inability to earn an income.

Debt protection plans

Top-up Debt

Designed to cover any debt on your credit card

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Overdraft/Fusion Debt

Offers you financial security should something happen to you

Read More

Revolving Finance Debt

Offers you financial security should something happen to you

Read More

Home Loans & Housing Finance Mortgage

Covers the payments of your home loan in any unfortunate event.

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Loans Customer

Ensure your financial security in the event that you are unable to pay the loan

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Dynamic Life≫ Home

Whatever happens, ensure you have a roof over your and your loved ones' heads.

Read More

Applying made easy

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First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider 1929/001225/06 (NCRCP20).

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Benmore
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