How long has 1Life been in the insurance industry?

1Life has been in operation since 2006 and forms part of a broader group of companies under the TIH (Telesure Investing Holdings) umbrella, the first of which was launched back in 1985. 1Life has evolved over the years from being a direct life insurer to a true multi-distribution insurer in 2012, that caters for all classes of financial advisers.

What sets 1Life’s full Financial Needs Analysis (FNA) apart from those of other companies?

1Life Plan, 1Life’s financial needs analysis takes the clients life stage, affordability and lapse model into account when making recommendations. This helps reduce risk to the broker and client knowing what might be best at the given moment in time.

Which specific digital solutions exist for financial advisers?

At 1Life we believe in creating digital solutions that enable our financial adviser partners to conclude business with clients safely, securely and remotely. These digital solutions stretch across our sales, underwriting and claim environments. When you register as a financial adviser partner with 1Life, you will automatically receive the benefit of the digital solution most suited to your brokerage.

How is medical underwriting concluded within the 1Life space?

The 1Life underwriting engine is designed in such a way that it will underwrite the client at point of sale with unique circumstances, provided the client provides us with accurate information. There is no need for full medicals any more. In fact, it’s possible on life, dread disease and disability cover to fully underwrite with no medicals, only limited medical questions and an HIV test (simplified through either a saliva test at the nearest Clicks store, or a visit by a nurse) is needed. The result is straight-through processing and an underwriting process that accepts high numbers of policies on both limited and comprehensive underwriting within 35 minutes.

What is our claims process?

Our job as insurers and financial advisers is to make the journey easier for the client and in the case of funeral and life claims, it means making it easier for their beneficiaries and delivering on our promises to them. Through robotic process automation (RPA), we have enabled a simpler and faster turnaround within our claims process. What makes our claims process unique? The contract and rules are built into the system, enabling consistency and speed. The system gathers information from other websites, such as the Department of Home Affairs, where it picks up the notice of death. Limited documentation is needed in order to process a claim and, in most cases, to enable 1Life to finalise payment.

Which products form part of your financial adviser proposition?

We have a full range of risk products including but not limited to Life cover, Disability cover, Dread disease cover, Income protectors, Funeral cover and an All Woman product focusing on female related cancers and complications. Our Investment products are available on the Wealthport LISP and offers a unique combination of unit trusts, ETF’s, structured and guaranteed products, direct offshore investing and retirement products – all on one LISP platform.

1Life Insurance Brokers & Financial Advisers

Why opt for 1Life

A proud track record

1Life Distribution has a proud track record of partnering with financial advisers since 2012.

Comprehensive product range

Risk, investment and estate planning products, tailor-made for all client segments.

Professional support

We partner for success. Grow your business with professional support from dedicated virtual broker consultants.

Digital sales enablement

Beat sales targets with innovative sales enablement options for both digital and traditional adviser propositions.

Flexible commission models

Benefit from commission models aligned to your unique business model.

Culture of collaboration

Working as partners in everything that we do

Channel offering

Lower Mass Market

Funeral product offering.
Allows for SASSA, cash, stop order or debit order collections.
Traditional paper applications and digital sales platforms available.

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Mass Market

Funeral and life product offering.
Allows for stop order or debit order collections.
Traditional paper applications and digital sales platforms available.
Free policyholder rewards programme.

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Life and wealth

Risk, investment and estate planning products.
Fully integrated digital solution Vantage with real-time underwriting accepting up to 97% of policies within 35 minutes.
Remote acceptance through electronic signature, OTP and 2-factor verification.
Mass affluent clients.
Free policyholder rewards programme.

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