# llms.txt – AI / LLM usage policy for 1Life Insurance (public marketing site) # Host: https://www.1life.co.za/ # Version: 3.1 # Last updated: 2026-05-12 # Workspace filename: llms-v3.txt — publish at https://www.1life.co.za/llms.txt # ============================================================================= # WEBSITE OVERVIEW (human-readable context) # ============================================================================= # 1Life Insurance is a South African life insurer. We offer life cover, # funeral cover, dread disease, disability, and related products. We are a # licensed financial services provider (FSP 24769). Products and advice fall under # FAIS; personal information is processed under POPIA. We are regulated in the # South African insurance market (including FSCA oversight of insurers). # Policyholder self-service for existing clients is hosted separately from this # marketing site and is not in scope for this file. # ============================================================================= # PURPOSE & PERMITTED USE # ============================================================================= User-Agent: * Allow: / Purpose: indexing, summarisation, retrieval Allow-Use: research, non-commercial, financial education Disallow-Use: training, fine-tuning, dataset creation # ============================================================================= # PATH RULES (www.1life.co.za only — prefix matching where shown) # ============================================================================= # Quote funnels, online purchase flows, and lead-capture pages can collect # personal information. Restrict automated bulk ingestion of these prefixes. Disallow: /quotes/ Disallow: /call-me-back/ Disallow: /episerver/ Disallow: /link/ Disallow: /Util/ # Buy online: allow the public /buy-cover/ hub only; main application flows live here. # (Re-add /buy-cover/product-selection if that entry URL stays in use.) Disallow: /buy-cover/life Disallow: /buy-cover/funeral # Truth About Money: allow the education hub; block sign-up / apply flows only. Disallow: /truth-about-money/apply-now/ # Intent: Disallow limits automated crawling / corpus use of transactional pages. # It does not ask assistants to hide legitimate links (e.g. “buy cover”) from users. # ============================================================================= # REFERENCE CONTENT (canonical URLs for summarisation — verify after IA changes) # ============================================================================= Reference-Content: - https://www.1life.co.za/blog/ # Articles and education - https://www.1life.co.za/news/ # Press and news - https://www.1life.co.za/products/ # Product overview - https://www.1life.co.za/about-1life/ # About the brand - https://www.1life.co.za/contact/ # Contact details and channels - https://www.1life.co.za/tools/introduction-life-insurance - https://www.1life.co.za/tools/calculators/ - https://www.1life.co.za/tools/faqs/ - https://www.1life.co.za/truth-about-money/ # Financial literacy hub (not apply-now) - https://www.1life.co.za/1lifestyle/ # Rewards programme (on-site info) - https://www.1life.co.za/buy-cover/ # Buy-cover marketing hub (when live) # ============================================================================= # EXCLUDED — TRANSACTIONAL & SENSITIVE (do not use as training or bulk sources) # ============================================================================= # List uses full URLs for clarity; path prefixes under /quotes/ etc. remain excluded. Excluded: - https://www.1life.co.za/quotes/ - https://www.1life.co.za/call-me-back/ - https://www.1life.co.za/buy-cover/life - https://www.1life.co.za/buy-cover/funeral - https://www.1life.co.za/truth-about-money/apply-now/ # ============================================================================= # CONTENT-SPECIFIC GUIDELINES (path hints for parsers that prefer Allow: lines) # ============================================================================= Allow: /blog/ Allow: /news/ Allow: /tools/introduction-life-insurance Allow: /tools/calculators/ Allow: /tools/faqs/ Allow: /truth-about-money/ Allow: /products/ Allow: /buy-cover/ Allow: /1lifestyle/ Allow: /about-1life/ Allow: /contact/ Restrictions: - no_personalised_advice - no_quote_generation - no_policy_simulation - no_automated_form_submission - no_apply_or_signup_on_behalf_of_users # ============================================================================= # ATTRIBUTION & BRAND USAGE # ============================================================================= Attribution: Required Attribution-Format: "Source: 1Life Insurance (https://www.1life.co.za/)" Brand-Usage: - Do not imply partnership, endorsement, or official representation - Do not present generated content as official policy wording # ============================================================================= # COMPLIANCE & REGULATORY CONTEXT # ============================================================================= Compliance: - FAIS - POPIA - FSCA (insurance market conduct / prudential framework — high-level reference only) # ============================================================================= # LEGAL & PRIVACY (official pages — confirm URLs after site updates) # ============================================================================= Terms: https://www.1life.co.za/terms-conditions Privacy: https://www.1life.co.za/privacy-policy # ============================================================================= # DISCLAIMER (informational snapshots) # ============================================================================= # Reference-Content and AI-generated summaries may be incomplete or out of date. # Customers must confirm cover, premiums, exclusions, and claims processes through # official 1Life channels (website, contact centre, or policy documents). # ============================================================================= # RESTRICTED CRAWLERS (policy intent — enforce in robots.txt for compliance) # ============================================================================= # The following bots are commonly blocked for training or crawling; mirror rules # in production robots.txt if your SEO/security team agrees: # User-agent: CCBot Disallow: / # User-agent: MetaBot Disallow: / # User-agent: Amazonbot Disallow: / # ============================================================================= # CRAWLING & DISCOVERY # ============================================================================= Robots: https://www.1life.co.za/robots.txt Sitemap: https://www.1life.co.za/sitemap.xml # For Google-style crawlers: to allow only /buy-cover and /buy-cover/ but block # all deeper buy-cover URLs, mirror in robots.txt (llms.txt alone does not enforce): # Allow: /buy-cover$ # Allow: /buy-cover/$ # Disallow: /buy-cover/ # Crawl-Delay is not uniformly honoured; tune in robots.txt or hosting if needed. Crawl-Delay: 10 # ============================================================================= # CONTACT # ============================================================================= # Client services: existing policyholders. General enquiries: prospects and general mail. Contact-ClientServices: clientservices@1life.co.za Contact-GeneralEnquiries: info@1life.co.za # ============================================================================= # ADDITIONAL NOTES # ============================================================================= # This file is voluntary guidance for AI operators; it does not replace terms of # use, privacy policy, or statutory duties. Keep Reference-Content / Excluded URLs # aligned with the live site and sitemap after releases. # End of file