Discovery Life helped to make the De Moura family both healthier and wealthier

"My view was always that life cover was something you paid for, filed, and forgot about," says Manny de Moura. “Since joining Discovery Life, I've realised the true potential of dynamic Life cover that incentivises you to live a healthier life."

De Moura, a 45-year-old estate agent, husband and father of two, understands the financial services industry well. In 2004, after selling a coffee shop he owned for 10 years, he joined an independent brokerage.

"In the restaurant game, you have very little time for anything," he says. "My son was two years old when I sold. I had always had an interest in financial affairs and joined an independent brokerage based in Sandton and sold life cover for eight years." Thereafter, in 2012, De Moura found himself back in property sales – an industry he'd worked in for a brief time while studying engineering as a youngster: "I am 100% suited to the property sales industry. I enjoy it so much I feel like I have never really worked a day."

'I'm a rands and cents person'

"I am very much a rands and cents person," says De Moura. "Every year I sit and work out what I am paying Discovery and getting back in PayBacks."

De Moura's is an active user of Discovery's smartphone app through which he uploads his physical activity data, and earns Vitality Active Rewards. "The fact that I can engage with my life cover in a way that incentivises me to exercise and lead a healthy lifestyle is unique in my experience," he says. "My family achieves its weekly Vitality Active Rewards targets and our yearly Vitality points, keeping us on Diamond Vitality status."

Life cover that enhances my family's lives

In September 2017 Manny reached his first five-year Discovery Life PayBack anniversary and received a PayBack of R15 801.80.

"The fact that my life policy is integrated with Discovery Vitality means I can receive a percentage of my qualifying premiums back every five years - which I am currently doing because I am on Diamond Vitality status," he says. Additionally at age 65, he will receive a cash payment through the default Cash Conversion benefit which pays out a percentage of the Cover Integrator and/or Financial Integrator funds, based on the client's Vitality status. If Manny maintains his Diamond status until then, he will significantly increase his PayBack.

"Discovery Life and Vitality doesn't force you to engage in healthy living," he adds. "They just show you the right direction. It's up to you to take the journey and understand the benefits for yourself."

^{****This Endorsement does not constitute financial advice.} 

^{Discovery Life Ltd. Registration number: 1966/003901/06. An authorised financial service provider and registered credit provider, NCA Reg No. NCRCP3555.}

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