Be the 1 to win big with 1Life Life Cover
Taking the first step to protecting your family’s future could make you a winner. Get an obligation free Life Cover quote to stand a chance to win.
- Get up to R10 mil Life Cover.
- Premiums fixed for the first 12 months.
- No waiting periods for natural or accidental death.
What makes 1Life Pure Life Cover the right choice
You’re covered in minutes
You know your family will be taken care of with up to R10 million life cover. You can get cover online or with just 1 simple call, immediate underwriting and no paperwork!
No medical exams
Get hassle free and convenient cover with no medical exams required just a simple HIV saliva swab that you can take at a Clicks or Dischem pharmacy near you.
No waiting periods
You are covered from day 1. Your policy has no waiting periods and you are covered immediately for natural and accidental death.
Fixed premiums
Isn’t it good to know that with 1Life Insurance life cover policies, you can bank on no premium increases, guaranteed, for the first 12 months of your policy.
Cover that suits all budgets and family sizes
Tracey takes care of her family
Tracey’s family rely on her income for financial support. Her life insurance pay-out will look after her parents as well as her sisters and her niblings.
Dube, his partner and her kids
Dube is proud to be able to care for his partner and her kids with a life cover pay-out should anything happen to him.
Thembi has life and funeral cover
Thembi has funeral cover for her husband and 3 kids plus a life cover policy to replace her income if she passes.
Find out what life cover will cost you!
Get a call back for a quoteWe’re all about changing our policyholder’s lives
We work every day to change our policyholder's lives. We look after our policyholders with affordable and convenient cover packed with great benefits.
Manage your policy 24/7
Manage your policy conveniently and quickly using our onlinepolicyholder portal and WhatsApp service centre.
Guaranteed Assurability
Increase your sum assured on every third policy anniversary without any medical underwriting, except for an HIV test. (T&Cs apply).
Help managing your finances
Take charge of your financial future with free short courses and services from Truth About Money.
Terminal illness benefit
If you become terminally ill, and your life expectancy is less than 12 months, your entire cover amount will be paid out.
Most frequently asked questions
A life insurance policy is there to make sure that a family has financial protection when the breadwinner passes away. When you take out a life cover policy, you pay a premium every month and, in the event of the life assured’s death, 1Life Insurance pays your beneficiaries, for example your family or other dependants, a lump sum.
Your family can use your life insurance pay-out to survive the loss of your income and provide them with the financial protection they need to live the life you’ve always planned for them. A lump sum pay-out can be used to cover daily living expenses, medical bills and school fees, or to pay off debts, like your house or cars. Your family can also use your pay-out to start building generational wealth by saving and investing for their future and their children’s future.
Generational wealth is family assets like money or property that is passed from one generation to the next. Each generation not only benefits from generational wealth but also grows it and passes it on to the next generation.
Defining generational wealth is easy, building it requires planning and dedication! You should focus on saving and investing wisely, paying off the bond on a home that you can leave to your children, starting a side hustle to generate extra income for future generations and of course ensuring that you have sufficient life cover.
The amount of life insurance cover you need depends on your individual circumstances - your life stage, your income, the future needs of your dependants, and of course affordability. With 1Life’s life insurance cover and affordability calculators, you can work out exactly how much life cover you and your family need, as well as how much cover you could qualify for, if you’re currently under-insured.
Your premium is based on your specific risk profile (each client is different) and this will have an impact on how much you will pay. The factors that will affect your risk profile are:
- Age – younger individuals will pay a lower premium, due to the decreased likelihood of dying from natural causes at a young age
- Gender – the premiums are slightly lower on average for women, as statistics have proven that there is an increased likelihood that they live at least 6 years longer than men
- Health – if you have a current health condition or a history of illness, the likelihood of death increases and the risk is much higher compared to someone who is healthy
- Lifestyle – if you participate in dangerous sports, such as regular sky diving, the risk of injury is higher and this would have an effect on your premium.
Yes there are certain waiting periods that apply. From the start of your policy, you are covered for accidental death. The waiting period for natural death claims are covered in the policy schedule that you receive once you take out life insurance with 1Life Insurance. There is also a two-year waiting period for suicide.
Increasing my life cover
Cover may be increased to the maximum amount that you qualify for at any time once the policy has been issued. Further medical underwriting and an HIV test may be required. Your premium will be adjusted according to the new sum requested and the additional cover will start on receipt of the new premium.
Guaranteed Assurability benefit
On pure life cover, the amount of life cover may be increased by 25% of the original insured amount, up to a maximum of 2 times (double) the amount originally insured or up to the 1Life insurance maximum insurable amount at the time – whichever is the lower. This is without the need for any further medical underwriting, other than providing a new negative HIV test for the life assured.
This benefit option may only be exercised every 3 (three) years on the anniversary date of the policy or after a significant event has occurred as described below:
- The marriage of the life assured
- A child being born to or legally adopted by the life assured
- The life assured's purchase of a home
- The life assured entering into a business or taking an increased interest in an existing business
Failing to pay a premium may mean that you will not be covered for the specific month. It is important to contact your life insurer to make alternative arrangements. The policy may lapse if more than one premium is not paid.
At 1Life Insurance we believe that insurance shouldn’t be complicated and that includes quick and easy policy claims.
The claims page has all you need to know about the claims submission process for 1Life Insurance policyholders and their beneficiaries. And we are here to help you every step of the way! When you make a claim on a 1Life Insurance policy you will be assigned a dedicated claims consultant who will guide you through the process and resolve any queries or concerns you might have.
1Life’s achievements
Swiss Re Reports 2010 - 2021
2023/2024 Ask Afrika Icon Brands
Benchmark Survey
2023 PWC SA Insurance Index Report
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