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Getting a life insurance quote is one of the simplest steps you can take to protect your family's financial future.
Whether you've recently bought a home, started a family, taken on debt or simply want to understand your options, a quote can help you see how much cover you may qualify for and what it could cost.
Most importantly, getting a quote doesn't commit you to buying a policy. It simply gives you the information you need to make an informed decision about protecting the people who depend on you financially.
Why get a life insurance quote?
Many people delay taking out life cover because they assume it will be expensive, complicated or time-consuming.
A life insurance quote helps answer some of the most important questions:
- How much cover may I qualify for?
- What could my monthly premium be?
- Is my current cover sufficient?
- How much protection might my family need?
- What cover options are available within my budget?
A quote provides clarity and helps you compare your options before making a long-term financial commitment.
Before you request a quote
Before looking at premiums, it's worth taking a moment to think about your family's financial needs.
Ask yourself these questions
If you were no longer around tomorrow:
- How would your family cover monthly expenses?
- Could they maintain their current lifestyle?
- Would they be able to keep the family home?
- How would education costs be funded?
- Would outstanding debt place them under financial pressure?
The answers can help you determine how much cover may be appropriate.
Common financial responsibilities to consider
Many people use life cover to help provide for:
- Home loan repayments
- Vehicle finance
- Personal debt
- Household expenses
- Children's education
- Future family goals
- Estate administration costs
The right amount of cover should help provide meaningful support for the people who rely on your income.
For more guidance on assessing your cover needs, see what makes the best life cover in South Africa? A practical guide for families.
What affects your life insurance quote?
Your quote is personalised and based on several factors that help insurers assess risk and calculate premiums.
| Factor | Potential impact on your quote |
|---|---|
| Age | Younger applicants may qualify for lower premiums |
| Health | Medical history and current health may affect pricing |
| Smoking status | Smokers generally pay higher premiums |
| Occupation | Higher-risk occupations may increase premiums |
| Cover amount | Higher levels of cover usually result in higher premiums |
| Lifestyle | Certain activities may affect risk assessments |
This is why two people applying for the same amount of cover may receive different quotes.
The more accurate the information you provide, the more useful your quote will be.
Get a personalised quote
Every family is different.
A quote based on your individual circumstances can give you a more realistic indication of:
- Potential premium costs
- Available cover amounts
- Suitable product options
- Protection levels that fit your needs
It takes only a few minutes to begin exploring your options.
What information will you need?
Having a few details available can make the quote process quicker and more accurate.
| Information | Why It Matters |
|---|---|
| Age | Helps assess risk |
| Smoking status | Can influence premiums |
| Occupation | Helps determine risk profile |
| Income | Assists with cover calculations |
| Desired cover amount | Determines potential premiums |
| Basic health information | May affect underwriting |
Providing accurate information helps ensure your quote is as useful as possible.
A quote is not always the final premium
It is important to remember that a quote is typically an estimate based on the information provided at the time.
If you decide to apply for cover, additional information may be reviewed as part of the underwriting process.
As a result:
- Your final premium could differ from the initial quote.
- Additional questions may be asked.
- Certain policy terms may apply.
A quote should therefore be viewed as a starting point that helps you understand your options.
What should you compare besides price?
The cheapest quote is not always the best choice.
When comparing life cover options, consider:
- Cover amount
- Flexibility as your life changes
- Claims support
- Additional benefits
- Digital servicing options
- Policy management tools
- Insurer reputation
The right policy should provide value, affordability and meaningful protection for your family.
Buying life cover has never been easier
Technology has made it easier than ever to research, compare and apply for life cover.
You'll typically be able to:
- Request a quote online
- Compare cover options
- Estimate monthly premiums
- Apply for cover digitally
- Manage your policy online
The Policyholder Services Portal and 1Life WhatsApp Service Centre can also help policyholders manage and access policy information once cover is in place.
Before you get a quote
Take a few minutes to gather the following:
- Your age
- Your occupation
- Your smoking status
- Your income information
- An estimate of the cover amount you need
- A clear understanding of your family's financial responsibilities
This information can help you get the most accurate quote possible.
Ready to find cover that fits your family?
The hardest part of getting life cover is often getting started.
A life insurance quote gives you a practical way to understand your options and take the first step towards protecting your family's future.
Whether you're planning for a growing family, protecting a home loan or simply reviewing your financial security, a personalised quote can help you make an informed decision.
Get a life insurance quote online
In just a few minutes, you can explore cover options, understand potential premiums and take a meaningful step towards protecting the people who matter most.
We answer your questions
What is a life insurance quote?
A life insurance quote is an estimate of the premium you may pay for a specific amount of life cover based on the information you provide.
Is a life insurance quote free?
Most life insurance providers offer quotes at no cost, allowing you to compare options before purchasing a policy.
What information do I need for a life insurance quote?
You may need details such as your age, health information, smoking status, income, occupation and preferred cover amount.
Can my final premium be different from my quote?
Yes. Quotes are based on the information initially provided and may change after underwriting and a more detailed assessment of risk.
How much life cover should I get?
The amount of cover depends on your income, debt, financial responsibilities and the needs of the people who depend on you financially.
Why should I get a life insurance quote?
A quote helps you understand the cover available to you, what it may cost and how it aligns with your family's needs and budget.