Life insurance

Life insurance

You have plans for your future, which include hopes and dreams for a financially secure life for you and your family. But what would happen to those dreams if anything were to happen to you? How would your family survive your death and the loss of your income? With 1Life’s life insurance cover, your loved ones will be financially protected. Give your family the gift of financial security with life cover from us today.

Why Pure Life Cover?

  • Get up to R10 million life cover with one phone call, premiums starting from R152 pm
  • 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. Ts&Cs 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 insurance family debt will be taken care of too and assets like your house and cars will stay safely in the hands of your loved ones.

No medical check ups, just an HIV testWith our affordable life insurance, we require no medical examinations, just an HIV test. You can do your test at any participating Pharmacy with just a cheek swab or via a blood test at any Lancet Laboratory.

Fixed premiumsWe guarantee no 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 waiverIf available on the policy, this benefit is only applicable if the policyholder/owner is also the life assured and is also responsible for the payment of premiums. If the life assured becomes disabled and is paid a lump sum disability benefit, the premiums for Pure Life Cover and dread disease cover (if applicable) will not be charged for a certain period, as stated in the policy schedule.

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.
Ts&Cs apply.

At 1Life, we are in the business of changing lives. Choose an insurer that truly cares about you and your family today.

To learn more about 1Life’s life insurance policy, read our life cover FAQs now.

Get an online life insurance quote now, or buy life insurance now.

Ts&Cs apply.

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 allows us to tailor-make your cover so that you only get what you and your family really need based on your individual circumstances and what you can afford.

The Truth About MoneyAll South Africans qualify for money management services from The Truth About Money at no extra charge. This service is dedicated to offering every South African sound financial advice and information. It includes debt management and counselling, estate planning and a financial literacy course.

Pay Now Funeral benefitThe Pay Now funeral benefit is a 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 expenses and other related costs.

Memorial benefitThe memorial benefit provides up to R5 000 cover to assist with buying a headstone on the anniversary of a successful claim. What better way to celebrate a loved one’s life than with a lasting legacy?

Terminal illness benefitThe 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. Find out more now.

Choose life insurance from one of the leading providers of life insurance in South Africa.

Get an online quote

Ts&Cs 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?1Life 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. Learn more about your 1Life life insurance 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

Learn more about why life insurance claims are rejected.

How do I submit a claim?Find out how to submit a claim now. 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.

Get an online quote

Ts&Cs apply.

The Truth About MoneyAt 1Life we know that they way you manage your money today, impacts the success of your tomorrow. We’re also aware that many South Africans have not been taught good money management skills and therefore don’t know how to save for their future. That is why we launched The Truth About Money, an initiative which makes money management services and training available to all South Africans at no charge. The Truth About Money service includes:

Debt counsellingIf your debt has become unmanageable and you are struggling to make ends meet, The Truth About Money can help. We offer telephonic debt management and debt counselling services for those in need.

Estate mediationIt is vital to have your affairs in order because we don’t know what will happen tomorrow. We will help you draft a will 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 courseEducation and information are the cornerstones to your financial freedom. The Truth About Money offers you access to a digital course entitled Financial Education, which you can complete online and at your own pace through any Boston City Campus nationwide.

Online advice and informationDo you want to learn more about how you can take control of your finances? The Truth About Money offers you tools, tips, news and views on successful money management for all ages.

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