Pure Life Cover

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

You know your family will be taken care of when you take out up to R10 million 1Life Pure Life Cover. Get life cover with 1 simple call, immediate underwriting and no paperwork or medical exams – just one quick HIV swab.

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Why 1Life Pure Life Cover?

You’re covered with just 1 call

Get up to R10 million life cover immediately with just 1 simple call and no paperwork.

No waiting periods

You are covered immediately for accidental and natural death and COVID-19 related complications.

Fixed premiums

With 1Life life insurance, get no increases, guaranteed, for the first 12 months.

Top up cover

Covered by another insurer? Upgrade with 1Life & add up to R3 million cover with no medicals.

Funeral benefit

Your policy includes a Pay now death benefit of R50 000 to cover your funeral expenses.

No medical exams

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

Protect your family’s tomorrow. Get a life insurance policy today.

Pure Life Cover FAQs

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 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. This blog explains generational wealth in more detail and discusses why it is so important, not only for you, your children and theirs, but for the whole country.

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. Follow the link for more advice on the best way to build generational wealth.

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. Use this life insurance calculator to work out how much cover you need or how much cover you qualify for.

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. 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 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.

If you need to lodge a claim with 1Life, the following procedure would need to be followed:

  • Call the claims department on 0860 10 51 96, where one of our dedicated claim consultants will assist
  • The claims consultant will provide you with the initial documentation required to process the claim
  • Completed forms need to be sent back to 1Life via one of the following:
    • Fax: 0860 10 51 97
    • Email: [email protected]
    • Postal address: PO Box 11250, Johannesburg, 2000

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.

Discover SAs #1 Direct Life Insurer

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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