Buy online
Getting a life cover quote is the first step towards protecting your family's financial future. With 1Life Insurance, you can get a free quote online in minutes and an affordable life cover premium that suits your needs and your budget. In this guide, we explain how to get a quote, what information you'll need to apply and how to work out how much life cover is right for you.
Why get a 1Life life cover quote online
When you need cover that protects the people who depend on you, at a premium you can afford, 1Life makes it easy to get a quote and buy online.
| Benefit | 1Life Pure Life Cover |
|---|---|
| Cost of a quote | Free, with no obligation to buy |
| Time to get a quote | Under 3 minutes |
| Time to buy cover | Under 10 minutes |
| Online discount | Save up to 13% on monthly premiums |
| Maximum life cover | Up to R12 million |
| Medical requirements | No full medical examination, HIV swab required |
| Additional products | Buy dread disease and disability cover and add them to your life cover policy. |
How to get a 1Life life cover quote in six steps
Getting a 1Life life cover quote online is simple. Visit the 1Life website, choose how much cover you need and enter your personal details to receive an estimated monthly premium. You can then review your quote and continue with your application if you're happy with your options.
1. Visit the 1Life website. Visit the 1Life quote and buy page on your phone, tablet or laptop. Select life cover to start your quote.
2. Choose how much life cover you need. Consider your outstanding debts, monthly household expenses and future costs, such as your children's education. We’ve got more input below on how to work out the right cover amount for you and your family.
3. Enter your personal details. In just three minutes, answer a few questions about yourself, including your age, income and lifestyle. These details help 1Life calculate an estimated monthly premium.
4. Review your life insurance quote. You'll be shown an estimated premium based on the information provided. Review your options and adjust your cover amount. Remember that your final premium may change following underwriting.
5. Continue with your application if you're happy with your quote. If you decide to buy online, you'll need to answer additional questions about your personal details, health and lifestyle as part of the underwriting process. Answer all questions honestly and accurately so 1Life can assess your application and confirm your cover and premium.
6. Review your policy details and complete your purchase. Check your final premium, cover amount, beneficiaries, exclusions and waiting periods and complete your banking details. Your cover starts on the commencement date shown in your policy schedule, provided your first premium has been received.
Our online platforms handle personal information in accordance with applicable South African data protection laws, including the Protection of Personal Information Act (POPIA).
What information do you need to get a 1Life life cover quote?
Having the following information ready can make getting your 1Life life cover quote and completing your application quicker and easier.
1. Personal details: Your full name, date of birth, gender, South African ID number and contact details.
2. Cover amount: An idea of how much life cover you need to protect your family's financial future. See below.
3. Income and occupation: Your monthly income, job title and the type of work you do.
4. Height and weight: Your current height and weight, which help 1Life assess your risk profile.
5. Smoking status: Whether you smoke, as this can affect your monthly premium.
6. Health and medical history: Details of any existing or previous medical conditions, chronic illnesses and relevant family medical history.
7. Lifestyle information: Details of any hazardous hobbies or activities that could affect your risk profile.
8. Provide your beneficiary details. You'll need to provide the full names and ID number of the person or persons you've chosen to receive the pay-out from your life cover policy.
If you decide to buy the policy, you may also need your residential address and banking details.
How much life cover do you need?
Ideally, your life cover pay-out should be enough to cover your family’s living expenses and any debt you have. It should also cover future expenses like education.
A common rule of thumb is to take out life cover worth 10–15 times your annual income. But that’s only a starting point. For a more personalised estimate, you can also use 1Life's online life insurance calculator to help you work out how much cover your family may need if they lose a breadwinner.
Why choose 1Life Pure Life Cover?
1Life Pure Life Cover offers more than just financial protection for your loved ones. Here are some of the benefits that make it a great choice for South African families.
- No medical examinations: No medical tests required, only an HIV swab.
- Immediate cover: No waiting periods. With 1Life Pure Life Cover, there are no waiting periods for accidental or natural death. Your cover starts on the commencement date shown in your policy schedule, provided your first premium has been received.
- Fixed premiums: Your monthly premiums are fixed for the first 12 months.
- Additional benefits: A terminal illness benefit that pays out your full cover amount if you are diagnosed with a qualifying terminal illness and have less than 12 months to live. The Guaranteed Assurability benefit also allows you to increase your cover without further medical underwriting, apart from an HIV test, subject to qualifying conditions.
- Free rewards programme: Monthly savings and discounts from SA's leading brands plus a chance to win R20 000 in cash in monthly Spin & Wins.
- Online convenience: You can manage your policy through 1Life's online policyholder portal and WhatsApp service centre.
Life cover quote FAQs
Is a 1Life life cover quote free?
Yes, getting a life cover quote from 1Life Insurance is completely free, whether you request one online or speak to a consultant at our call centre. There's no obligation to buy a policy, so you can explore your options, compare cover amounts and find a premium that suits your budget before making a decision.making a decision.
How long does it take to get a life cover quote online?
You can get a 1Life life cover quote online in under three minutes. If you're happy with your quote, you can continue with your application and buy cover online in under 10 minutes.
Do I need a medical examination?
No. 1Life Pure Life Cover requires an HIV saliva swab, not a full medical examination.
When does my life cover start?
Your cover starts on the commencement date shown on your policy schedule, provided the first premium has been received. No waiting periods apply for natural or accidental death.