Reward levels recognition

Tier Status

Tier 1

0-1 financial
need

Tier 2

2-3 financial
needs

Tier 3

4 financial
needs

Tier 4

5 financial
needs or Assets >R25m

Tier 5

6+ financial
needs or Assets >R50m
Points for:
Updating your details, completing surveys, referring friends
Points for:
Financial education, calculators and advice
Personalised credit report
Life Insurance
(% of premium in points) 		5% 10% 20% 30% 35%
Savings, Investments, Retirement Income & Lending
(% of premium in points) 		0.5% 1.5% 2.5% 3.5% 5%
Funeral Cover
(% of premium in points) 		5% 15% 25% 35% 50%
Short-term Insurance
(% of premium in points excl. VAT) 		2.5% 5% 10% 15% 20%
Fitness Bonus Points
(% of premium in points) 		25% 50% 100% 125% 250%
Health Bonus Points
(% of premium in points) 		- - 50% 100% 215%
Investment Value Points
(Annual % of investment value in points)
Old Mutual funds
Other funds

0.050%
0.025%

0.150%
0.075%

0.250%
0.125%

0.350%
0.175%

0.500%
0.250%
Member Benefits
Terms and conditions apply

Tier 1 0-1 financial
need

Points for:
Updating your details, completing surveys, referring friends

Points for:
Financial education, calculators and advice
Personalised credit report

5% Life Insurance
(% of premium in points)

0.5% Savings, Investments, Retirement Income & Lending
(% of premium in points)

5% Funeral Cover
(% of premium in points)

2.5% Short-term Insurance
(% of premium in points excl. VAT)

25% Fitness Bonus Points
(% of premium in points)

- Health Bonus Points
(% of premium in points)



0.050%
0.025% Investment Value Points
(Annual % of investment value in points)
Old Mutual funds
Other funds

Member Benefits

Terms and conditions apply

Tier 2 2-3 financial
needs

Points for:
Updating your details, completing surveys, referring friends

Points for:
Financial education, calculators and advice
Personalised credit report

10% Life Insurance
(% of premium in points)

1.5% Savings, Investments, Retirement Income & Lending
(% of premium in points)

15% Funeral Cover
(% of premium in points)

5% Short-term Insurance
(% of premium in points excl. VAT)

50% Fitness Bonus Points
(% of premium in points)

- Health Bonus Points
(% of premium in points)



0.150%
0.075% Investment Value Points
(Annual % of investment value in points)
Old Mutual funds
Other funds

Member Benefits

Terms and conditions apply

Tier 3 4 financial
needs

Points for:
Updating your details, completing surveys, referring friends

Points for:
Financial education, calculators and advice
Personalised credit report

20% Life Insurance
(% of premium in points)

2.5% Savings, Investments, Retirement Income & Lending
(% of premium in points)

25% Funeral Cover
(% of premium in points)

10% Short-term Insurance
(% of premium in points excl. VAT)

100% Fitness Bonus Points
(% of premium in points)

50% Health Bonus Points
(% of premium in points)



0.250%
0.125% Investment Value Points
(Annual % of investment value in points)
Old Mutual funds
Other funds

Member Benefits

Terms and conditions apply

Tier 4 5 financial
needs or Assets >R25m

Points for:
Updating your details, completing surveys, referring friends

Points for:
Financial education, calculators and advice
Personalised credit report

30% Life Insurance
(% of premium in points)

3.5% Savings, Investments, Retirement Income & Lending
(% of premium in points)

35% Funeral Cover
(% of premium in points)

15% Short-term Insurance
(% of premium in points excl. VAT)

125% Fitness Bonus Points
(% of premium in points)

100% Health Bonus Points
(% of premium in points)



0.350%
0.175% Investment Value Points
(Annual % of investment value in points)
Old Mutual funds
Other funds

Member Benefits

Terms and conditions apply

Tier 5 6+ financial
needs or Assets >R50m

Points for:
Updating your details, completing surveys, referring friends

Points for:
Financial education, calculators and advice
Personalised credit report

35% Life Insurance
(% of premium in points)

5% Savings, Investments, Retirement Income & Lending
(% of premium in points)

50% Funeral Cover
(% of premium in points)

20% Short-term Insurance
(% of premium in points excl. VAT)

250% Fitness Bonus Points
(% of premium in points)

215% Health Bonus Points
(% of premium in points)



0.500%
0.250% Investment Value Points
(Annual % of investment value in points)
Old Mutual funds
Other funds

Member Benefits

Terms and conditions apply

Your Financial Needs Covered

Your tier status is linked to the products you have with Old Mutual, and the categories that those products fall into.

To move up a tier level, you need to get a product from a category you don’t have yet. To find out what qualifies for each category, click on the cards below or read the detail in our terms & conditions.

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Open a product in one of these categories to up your tier:

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