Six Feet Under, But Covered All Over
Why Life Assurance is more than just a payout:
by
Sharon Bhunu
When many Zimbabweans hear "life assurance," their minds jump to a funeral tent in the rural homestead, sad music playing softly in the background, and cousins you last saw at your aunt's lobola/ roora ceremony.
But life assurance is not just about death; it’s about dignity, preparation, and protecting your family’s future.
In a country like Zimbabwe, where economic shifts are constant and the unexpected is part of daily life, life assurance is one of the smartest long-term financial decisions you can make. It’s not just a safety net, it’s peace of mind wrapped in a plan. Whether you’re planning to buy property, educate your children, or retire comfortably, life assurance helps you protect, grow, and transfer your wealth. In this article, we’ll show you exactly how life assurance fits into your long-term financial strategy and why it might be the most underrated investment you’ll ever make.
1. To protect the people you love most
Whether you’re the breadwinner, a single mum juggling it all, or the gogo who keeps things running at home, your family leans on your support, your income, your love.
Life assurance steps in when life takes an unexpected turn. It’s how you make sure your family continues to stand tall, even when you’re no longer there to provide.
✅ Keeps food on the table, school fees paid, and the lights on
✅ Settles debts like car loans or home mortgages
✅ Protects your children’s lifestyle and dreams from being cut short
This isn’t just cover. It’s a continuation of your care.
2. To handle funeral expenses with dignity
Funerals are often expensive and immediate. Without a plan, families are often left scrambling: borrowing money, setting up GoFundMe pages, or making painful compromises at an already difficult time.
That’s why life assurance matters. It gives your loved ones the means and the dignity to say goodbye properly.
With the Zimnat Gadziriro Funeral Cash Plan, you can ensure that when the time comes, your family won’t be burdened; they’ll be prepared.
💛 Cover that brings peace of mind
💛 Support that honours your life and legacy
💛 Plans that suit every budget
Get a quote today: Gadziriro/Lungiselelo Funeral Cashplan
3. To build generational wealth
Think life assurance is only a safety net? Think again. It’s also one of the smartest ways to create generational wealth.
Your life assurance (Security Plan) payout can:
- Help your children start a business or buy a home.
- Fund university education for grandchildren.
- Break the cycle of poverty in your family line.
4. To supplement your retirement plan
Most Zimbabweans don’t have formal pensions, and those who do often find them insufficient. Life assurance plans like the Tsapi Personal Pension Plan and whole life policies can include a savings or investment portion that you can access later in life.
Think of it as:
- A personal backup pension
- A way to retire with financial freedom
- Emergency funds for your golden years
5. To prepare for Life’s curveballs
Life can change in the blink of an eye. A sudden illness, retrenchment, or accident can turn your world and your wallet upside down. That’s why some life assurance policies go beyond the funeral. With built-in critical illness or disability cover, they offer support while you're still alive, when you need it most.
🛡️ A financial cushion during your most vulnerable moments
🛡️ Help with medical bills, home care, or day-to-day expenses
🛡️ Peace of mind knowing you’re not alone when life throws a curveball
Because life assurance isn’t just about death, it’s about living with dignity through every season.
6. It’s more affordable than you think
Let’s be honest, many of us assume life assurance is only for the wealthy. We think it’s something for people with big titles or big salaries. But that couldn’t be further from the truth.
At Zimnat, we believe protection should be for everyone no matter your income.
- We’ve got Dollar Deals that make life assurance affordable.
- If we can spare a dollar for some little guilty pleasures, we can find a dollar to protect our families.
- With Zimnat Chema, we’ve made funeral cover simple, flexible, and within reach
We’re not just selling cover, we’re giving peace of mind, one dollar at a time.
See how it fits your life: Chema/Inyembezi MicroFuneral Plan
7. Because you don’t know what tomorrow holds
We don’t say this to scare you we say it because it’s true “ramangwana harizivikanwe”.
Every day you wait is one day closer to the unexpected. And once it's too late, there's no going back. Choosing life assurance today is about choosing:
- Responsibility
- Security
- Love in action
You don’t need to be wealthy to plan ahead you just need to care enough to act.
Your Family’s future starts with you
In a world full of “what ifs,” life assurance gives you one answer you can count on.
✔️ It protects your family
✔️ It supports your dreams
✔️ It creates a legacy that lasts beyond a lifetime
Don’t leave your family’s future to chance. Get in touch with our team today for a free life assurance quote tailored to your budget, life stage, and goals.
Download our brochure to learn more: Zimnat Life Assurance Brochure-Individual Life (87 downloads)
