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Buy life cover: terms and conditions

Online Application Process

To subscribe for the service(s), you must complete the online application. By using the services, you agree to be bound to 1Life's ("1Life") Policy Terms and Conditions. On receipt of your Application Form, 1Life will take such steps, as in its sole discretion it deems necessary, to evaluate your application and to verify whether, in completing the Application Form, you have provided 1Life with complete and accurate information about yourself and your banking details for processing debit order deductions for payment, also insofar as you are requesting 1Life to provide you with an insurance policy, the information contained in the Application Form pertains to you personally. The application process is incomplete until you have the opportunity to review the entire transaction and correct any mistakes, or to withdraw from the transaction completely. By clicking on the "submit" button, you are deemed to have submitted an offer to subscribe for the Online Service(s) selected ("order") and you will not thereafter be able to cancel the Order unless 1Life expressly agrees thereto. You understand that once 1Life has received the Application Form and processed the Order, you will have no right to cancel the Order, subject to your right to terminate the policy within the cooling-off period.


You agree to pay 1Life the fees, as the monthly premium on the policy schedule for the insurance policy, in force and effect as stipulated on the policy schedule. You hereby authorise 1Life to debit your bank account, on a monthly basis, as payment for your policy, using the bank account information provided in your Application Form, effective from the date of inception of your policy, for so long as your policy remains in force and effect. You hereby agree that 1Life is not obliged to refund any payment made by you in this manner, nor shall you be entitled to reverse such payment, for any reason whatsoever.


You hereby agree that all orders and any other communications which purport to originate from you, or a person who had authority to act on your behalf in respect of such order or communication, or an information system programmed by or on your behalf to operate automatically (unless it is proved that such information system did not properly execute such programming) (collectively "the originator"). This would also apply to those which are sent to 1Life electronically and which may (as a result of interception, equipment malfunction, the distortion of communication links or any other reason whatsoever) be different from the instructions actually sent or given, or may not have been given by you at all, shall be deemed to have been given by the Originator in the form actually received by 1Life. You will further be bound by such communication with no liability of whatever nature, attaching to 1Life, in regard thereto.

You waive any rights you may have or may obtain against 1Life arising directly or indirectly from any loss or damage of whatsoever nature which you may suffer as a result of the fact that 1Life acts on your orders or communications, or orders or communications that purport to emanate from you and you indemnify 1Life against all and any claims, liabilities, losses, costs, fines, damages and expenses, arising as a result of the fact that 1Life acted on your instructions/ orders or instructions/ orders which purport to emanate from you.

Confirmation of Orders and Conclusion of the Transaction

The advertising of the Online Service(s) via the Website merely constitutes an invitation by 1Life for you to make an offer to apply for the Online Service(s). 1Life reserves the right not to accept and/ or comply with the order for any reason whatsoever, on notice to you. Should 1Life accept your order, it will, as soon as is reasonably possible thereafter, consider your application and notify you of its decision to grant you a policy and the terms thereof. You hereby confirm and agree that the transaction between yourself and 1Life will be deemed to have been concluded at the place where and the time when 1Life confirms its decision and communicates same to you.

Communications from 1Life to the User

By placing an order for the Online Service(s), you agree that 1Life may transmit any related information, in respect of the Online Service(s) and your policy to you telephonically, by e-mail, facsimile or SMS, using the contact information you provided in the Application Form. You hereby agree that 1Life may send you electronic communications relating to your order and/ or the Online Service(s) offered via the Website from time to time before and after delivery, provided you will be given the opportunity to cancel your subscription to 1Life's mailing list at any time upon providing 1Life with written notification to that effect.

Disclosures in terms of Section 43 of the Electronic Communications and Transactions Act 25 of 2002 ("ECT Act")In compliance with section 43(1) of the Electronic Communications and Transactions Act your attention is drawn to the following information:

About your financial services provider (FSP)

  1. Product Supplier: 1Life Insurance Limited
  2. FSP Number: 24769
  3. Registration Number: 2005/027193/06
  4. Physical Address: Auto & General Park, 1 Telesure Lane, Riverglen, Dainfern, 2191
  5. Postal Address: P.O. Box 11250, Johannesburg, 2000
  6. Website:
  7. Tel: (011) 428 1405
  8. The Compliance Officer: P.O. Box 11250, Johannesburg, 2000, Tel: (011) 489-4060, Fax: (011) 489-4046
  9. The compliance department deals with issues relating to 1Life's compliance with the FAIS Act. If you have policy-related issues, please call your local insurance hotline at the number that appears on your schedule.
  10. Should you have a complaint regarding a contravention of, or failure to comply with the FAIS Act, and/ or the wilful or negligent rendering of a financial service that has or may cause prejudice or damage or if you feel you have been treated unfairly, please fax the details of your complaint to the Compliance Officer at the fax number at (8) above.
  11. 1Life Insurance Limited is an authorised financial services provider, licensed by the FSB (Financial Services Board) to supply long term insurance, category A and B.
  12. Our consultants who do not meet the minimum experience requirement of one year render services under management supervision.
  13. 1Life Insurance Ltd has professional indemnity insurance.

1Life is a public company and an authorised life insurer and financial services provider (FSP 24769).
1Life has and maintains an Anti-Money Laundering Policy in accordance with the Financial Intelligence Centre Act, Act38 of 2001.
1Life makes use of standard SMS rates, unless otherwise notified. 

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