What the planner includes
The current estimate contains principal, interest, an initiation fee and monthly service fees. Its insurance cost is R0 because no cover is part of this product proposal, not because an insurance benefit is being given away.
If the product changes before launch
Any insurance arrangement would need a confirmed provider, cost, coverage, exclusions, claims process and applicable consumer choices. The product pages, calculator and formal documents would need updating together before an offer could include it.
Do not assume a loan balance will be paid by insurance if income stops, employment ends or someone dies. Check the actual policy and agreement.