[Posted: April 2012] 1Lifedirect has done for life insurance what rock & roll did for music... started a revolution. Time is money and we save you both. Tick-tock: you can buy your life insurance online or on your mobile with no paperwork or time consuming processes involved. Ka- ching. You deal directly with us.  No brokers mean no broker’s fees and that means more bucks in your pocket. Outrageous fact: we save you up to 22% on your life insurance premiums! But perhaps best of all, with 1Lifedirect no medical examinations are required as part of your application process, only an HIV test.

There are two ways that you can have your HIV test done. You can do a blood test at any Lancet Laboratory or a simple saliva test at any Link pharmacy. Visit the Lab or Pharmacy page on our site to find a venue closest to you. And remember, the tests are done at no cost to you at all.

With no medical examination required, applying for and buying life insurance is quick and easy. You can contact our call centre or buy online. Make sure you have the following information ready before you start your application process:

• Your height and weight
• A complete medical history  - any illnesses, surgeries or injuries
• Details of any medication you are currently taking
• Name and contact details or your doctor/s
• The names and ID numbers of your policy beneficiaries
• Your occupation.

Remember that as a new 1Lifedirect life insurance policy holder you can add up to R4 million disablement cover to your life insurance policy. This cover will compensate your family if you are ever medically unfit to work. You also have the option to add up to R2 million dread disease cover that will protect you if you ever suffer from cancer, organ failure, a heart condition etc.

There is just one rule you need to remember. Never lie or knowingly withhold information when you apply for life insurance and give the details of your medical history. Should a life insurer find out that you have not been completely honest they are legally entitled to reject your claim. Be honest, even if it means that your premiums are slightly higher. The very little you save by being dishonest might end up costing your family your life insurance cover in the event of your death.