Life insurance

Life insurance

You have great dreams and hopes for your children. Dreams of a quality education, a safe home and a family of their own. What would happen to those dreams if anything ever happened to you? How would your family survive your death and the loss of your income? Get the financial protection of life insurance today.

Why Pure Life Cover?

  • One phone call is all it takes to get up to R10 million life cover
  • Nominate up to 10 people to receive financial support in the event of your death
  • No medical check ups just an HIV test
  • No increase on your premiums for the first 24 months
  • An immediate Pay Now Funeral benefit of R50 000 to assist with funeral costs*

Terms and conditions apply

Get an online quote

Life insurance is the financial protection your family needs against the death of a breadwinner. Your family can use your life insurance pay-out to cover daily living expenses, medical bills and school fees. With life cover you also know that the family debt will be taken care of and assets like your house and cars will stay safely in the hands of your loved ones.

No medicalsNo medical examinations required, just an HIV test. You can do your test at any participating Link Pharmacy with just a cheek swab or via a blood test at any Lancet Laboratory.

Fixed premiumsNo increase in your premiums for the first 24 months and thereafter they will only increase by 5% per year. (For example, if you are paying R150 per month, the increase after 24 months will only be R7.50)

Guaranteed assurabilityYou can increase your cover amount with no medicals on your policy anniversary or if you get married, have a child or buy a new home.

Waiting periodsYou are covered immediately for accidental and natural death. Suicide is covered after 24 months.

Premium waiversIf you have a 1Life Disablement Cover policy and you make a successful claim on that policy your 1Life Pure Life Cover and 1Life Dread Disease Cover premiums will be paid for 5 years.

Upgrade and get additional cover with no medicals
Do you have a life insurance policy with another insurer that was taken out in the last 24 months? Upgrade with 1Life and you can add up to R3 million to your existing cover without taking an HIV test or medical examination. This special offer from 1Life also applies to any dread disease cover or a disability insurance policy you might have with another insurer.

T&C apply

Want to learn more?  Read our life cover FAQs for answers to all your life insurance questions. 

Interested in life insurance quotes? Click on the button below.

Get an online quote

*Risk profile dependent

We expect our products to work hard for our policyholders. Find out more about the benefits bundled with your Pure Life Cover policy:

Financial needs analysisBenefit from a financial needs analysis before you buy your cover. This means you buy only the cover you and your family need based on your individual circumstances and what you can afford.

The Truth About MoneyAll 1Life policyholders qualify for money management services from The Truth About Money at no extra charge. These services include debt management and counselling, estate planning and financial literacy courses. Find out more about The Truth About Money.

Pay Now Funeral benefitA R50 000 accelerated benefit that is paid out within 24 hours of a successful claim and can be used by your family to cover funeral and related expenses.*

Memorial benefitA memorial benefit that provides up to R5 000 cover to assist with buying a headstone on the anniversary of a successful claim.*

Terminal illness benefitA terminal illness benefit that pays your full cover if you are diagnosed with a terminal illness and your life expectancy is less than 12 months.

Expo-SureDo you know that the risk of contracting HIV is significantly reduced if action is taken within 72 hours of being exposed to the virus? 1Life Pure Life Cover gives you access to Expo-Sure, a confidential HIV testing and treatment programme in the event of accidental exposure to HIV. Download brochure.

Get a quote today from one of the leading providers of life insurance in South Africa. 

Get an online quote

*Terms and conditions apply

How is my premium calculated?Your life insurance premium is based on your specific risk profile. This means that factors like your age, gender, occupation and health will all be considered when your monthly premium is calculated.  

Use the insurance calculator to work out how much cover you and your family need against death, disability and dread disease. 

When will a policy pay out?Pure Life Cover pays out a lump sum in the event of the death of the life assured. The amount that will be paid out is stated on your policy schedule.

When would a claim be rejected?A claim will be rejected if the life assured:

  • Withholds information from 1Life at any stage
  • Dies by his/her own hand within 24 months of the commencement date (suicide)
  • Derives income from a criminal act, including fraud
  • Participates in criminal activity or wilfully breaks the law
  • Dies as a result of the excessive consumption of alcohol and drugs or radioactivity and nuclear explosions

Other exclusions – or conditions under which claims might be rejected – will also be listed in the policy schedule that is issued to you when you purchase your policy. 

Read this blog to learn more about why life insurance claims are rejected.

How do I submit a claim?You can find out how to submit a claim on our claims page. 1Life takes claims seriously and endeavours to attend to them timeously. Please speak to a claims advisor on 0860 10 51 96 if you need any assistance or have any queries. 

Minimum age of entryYou have to be between the ages of 18 and 64 to purchase 1Life Pure Life Cover.

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The 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 do not always have the money management skills they need to build the future of their dreams. That is why we launched The Truth About Money.

The Truth About Money makes money management services and training available to 1Life policyholders at no charge. These services include the following:

Debt counsellingIf your debt has become unmanageable and you are struggling to make ends meet, The Truth About Money can help! You can register for telephonic debt management and debt counselling services on the Truth About Money website.

Estate mediationBecause we know how important it is to have your affairs in order, we will help you draft a will for yourself and your spouse or set up a trust for minor beneficiaries. You can also apply for legal advice and mediation if you need help winding up the estate of a relative.

Financial education courseFinancial education is the key to your financial freedom. The Truth About Money offers you access to a digital Financial Education course that you can complete at your own pace at any Boston Campus nationwide. Apply today!

Online advice and informationDo you want to learn more about how you can take control of your finances? Visit our website for tools, tips, news and views!

All of these services are available to successful applicants and 1Life policyholders at no charge!

Visit The Truth About Money website to learn more and register.