The Benefits

Accident Benefit

Essential financial cover when accidents happen—so you and your family get help fast.

What’s covered

Accidental death: up to R50 000
Permanent disability: lump-sum payout for total or partial disability
Hospital cash: daily payment while you’re in hospital after an accident
Life-support equipment: costs of medical devices for recovery
Funeral support: extra funds for accident-related funerals

Only Included for the Senior Citizens Lifestyle ages 65 and above

Additional support

Body repatriation: up to R40 000 (within South Africa)
Claims prep costs: up to R2 000
Mobility aids: up to R40 000
Trauma counselling: up to R25 000

How to claim
Be an active member with premiums up to date. Submit the accident report, medical proof and any supporting documents.

Funeral Cover

At St. J Lifestyle, we believe that everyone deserves a dignified farewell and peace of mind for their families. Our funeral cover is designed to ease the financial and emotional burden during times of loss — offering reliable support rooted in compassion, community, and care.

Whether you are a senior member or a young family provider, our cover is tailored to ensure that you and your loved ones are protected when it matters most.

Flexible Cover Amounts: Choose between R5,000, R10,000, R15,000, or R20,000 cover to suit your needs and budget.
Funeral Service or Cash Payout: Select either a dignified, arranged funeral service or a cash payout to handle arrangements your way.

Paid-Up Benefit: If the principal member passes away, their cover continues without further payments — easing the burden on the family.
Repatriation Benefit (Optional): Assistance to return your loved one to their home province or country for burial.
Commuter Accident Cover: Added protection in the event of death or injury while using public transport.
Emotional & Wellness Support: Access 24/7 trauma and grief counselling through our dedicated Wellness App and call center.
Exclusive Discounts: Save up to R1200/month at Shoprite, Checkers, and UsaveReceive bulk airtime discounts during claim stages

Affordable Monthly Premiums

From just R99/month for standard members
From R89/month for senior members
Easy payment via SASSA deduction available for seniors

Waiting Periods:
- 3-month waiting period for natural death
- 12-month waiting period for suicide
- No waiting period for accidental death
Lapsed Policies: Cover will end if two consecutive monthly payments are missed.
Cooling-Off Period: You may cancel your membership within 31 days of activation for a full refund, provided no claim has been made.
Funeral Queries: For any funeral-related assistance or claims, please contact Kula Partners, the official administrator of this product.
Product Disclaimer: This funeral cover is underwritten by RMA Life Assurance Company Ltd. Ambassadors are only authorised to provide factual information. For any policy-related queries, please speak directly to Kula Partners.

Go Rewards

Real Savings. Everyday Essentials.

Go Rewards is an exclusive benefit available to all St. J Lifestyle members, designed to ease the cost of living by helping you save on the things that matter most — groceries and airtime.

What You Get with Go Rewards

Airtime Discounts
Save 5% to 20% on prepaid airtime purchases — stay connected for less.
Grocery Savings
Enjoy monthly savings of up to R1200 at major retailers like Shoprite, Checkers, and Checkers Hyper.

Go Rewards is just one more way that St. J Lifestyle puts value back in your hands, helping you care for your family with confidence and ease.

How to Redeem Your Rewards

To unlock your savings:

Visit Go Rewards
Log in using your membership details
Follow the instructions to start saving on airtime and groceries

Wellness Benefit

Because Peace of Mind Starts from Within

As a St. J Lifestyle member, your well-being is our priority, not just physically, but emotionally and mentally too. Through our Kula Wellness programme, you have access to compassionate, confidential support whenever you need it most.

What’s Included:

24/7 Counselling Call Centre
WhatsApp & Email Support
Monthly Health & Wellness Newsletter
Virtual Counselling Sessions for:
- Loss & Trauma
- Depression & Anxiety
- Grief & Bereavement
- Family & Relationship Challenges
- Financial & Legal Stress
- Alcohol & Substance Abuse