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Expense Protector Salary Protection

Get up to R10 million life insurance from South Africa’s #1 Direct Life Insurer

1Life Expense Protector helps you pay your bills if you are temporarily disabled by an illness or injury. You decide how much cover you will need and how much you would like to be paid out monthly.

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Why 1Life Expense Protector?

Immediate cover

You are covered immediately for accidental disablement.

Flexible pay-outs

You choose between a lump sum and a monthly pay-out.

Your cover, your choice!

You decide how much cover you want and how much you would like paid out.

Benefit increase

Choose to increase your benefit pay-out by 5% when you start your policy or submit a claim.

Fixed premiums

No increases, guaranteed, for the first 12 months.

No medical exam

No medical checkups required, just a simple HIV saliva swab.

Promise to provide for them in the good times and the bad

Expense Protector FAQs

1Life Expense Protector is a type of income protection insurance that pays out if temporary disability results in a loss of income. You pay a monthly premium, and if you are temporarily disabled by an accident or illness, and unable to work, your policy will pay out as a lump sum, or a lump sum and a monthly amount. So you can cover your living expenses until you are able to return to work. Learn more about 1Life Expense Protector.

If you rely on your monthly income to pay expenses like your bond, school fees and groceries, and would struggle to survive for some months without a salary, salary protection is advisable. A 1Life Expense Protector policy will take care of the bills while you recover. Without it, your family is financially at risk in the event of an accident or illness.

Your 1Life Expense Protector premium is based on your specific risk profile and how much cover you need. Risk factors include your age, gender, occupation and health while the amount of income protection you need is based on your salary and monthly expenses.

When you buy 1Life Expense Protector, our call centre consultants will conduct a comprehensive financial needs analysis to determine the amount of cover you and your family need.

Once your claim has been processed, you can choose to have the entire assured amount paid out as a lump sum, or to split your benefit between a monthly pay-out and a total lump sum pay-out. So you might have 100% of your total insured amount paid out as a lump sum or 25%, 50% or 75% of your total insured amount paid out as a lump sum, and the rest paid out monthly.

These two types of insurance provide you with different cover and pay out under different circumstances. Disablement cover pays out a lump sum if the policyholder is permanently disabled. 1Life Expense Protector is designed to help you cover your monthly bills while you recover from a temporarily disabling injury or illness.

No, however there is a deferment period from the date you are diagnosed. This is the period of time that has to lapse, after occurrence of an event that leads to a claim, before you are entitled to receive a benefit.

About 1Life Insurance

At 1Life Insurance, we know that insurance changes lives. It pays the school fees when mom is ill and can’t work and pays off the house when dad passes away. We believe that all South Africans deserve peace of mind and financial protection against illness, disability and death. Call us to find out which of 1Life’s affordable, simple and convenient products is right for you.

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Truth About Money


At 1Life we know that your future is written in how you manage your money. But we also know that South Africans don’t always have the money management skills they need to build the future of their dreams. The Truth About Money makes financial education and services available to all South Africans at no charge.

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