No insurance premium in the calculation
The published loan model does not add a credit life insurance premium. The amount shown for insurance is R0.00, and no policy benefit is promised by the loan calculator.
Read your actual documents
If you are comparing another product with insurance, check whether cover is required, the premium, insurer, exclusions, waiting periods and claim procedure. Do not treat an insurance label as a guarantee that every missed payment is covered.
If a quotation differs
Ask for an explanation before accepting any quotation that includes a charge you did not expect. Compare it with the full price breakdown.