Giving you everything you need to know about your funeral policy deduction via your government grant.
As a government grant recipient or caregiver, understanding your financial rights is one of the strongest tools you have to protect your household income. That is why 1Life Insurance and Clientèle have partnered to educate and empower grant recipients with the information they need to make safe, confident financial decisions! Below you will find more information on everything you need to know about your government grant funeral deduction and policy.
Check your grant statement to see the exact amount that was deducted and the name of the insurer.
When an agent speaks to you, ask for their company ID and accreditation number. Make sure they are allowed to sell products from Clientèle or 1Life. You can also call the licensed broker to check if the person is properly licensed. Before signing up, ask them to give you a clear summary of the policy, how to claim, and their contact details. Also, request a copy of the policy document so you have it with you if you need help later.
Your leave-behind document has the insurer’s contact details that you can use, or you can also call our helpline on 011 568 0380 for assistance.
Yes, you can request a callback. Simply go to the insurer’s website and ask them to call you back. For 1Life Insurance you can find the callback function by clicking here and click here for Clientele.
Every policy has a cooling-off period. This means you can cancel the policy within a few days after signing up without paying a penalty, and any money already taken must be refunded. If you no longer want your policy, you can call the insurer to cancel it accordingly. If the insurer does not resolve your complaint, you can report it to the Financial Sector Conduct Authority (FSCA), which protects consumers. You can contact the FSCA on 0800 110 443.
Funeral cover provides valuable peace of mind in the event of your death by helping families manage funeral costs, repatriation of your body if it needs to be brought home, headstone costs as well as – in some instances – provides additional relief such as grocery benefits. Valid claims will be paid into your bank account in 24 business hours, so you have one less thing to worry about – protecting loved ones from sudden financial strain and ensuring you are given the dignified send-off you deserve.
The Social Assistance Act 13 of 2004 allows a funeral policy premium to be taken directly from an old-age or disability grant, but it must not be more than 10% of the total grant amount. This can only happen if the person has clearly given consent for such deductions. This law also protects grant beneficiaries by ensuring that deductions are fair, limited, and handled by registered insurance companies, so they still have enough money for their basic needs.
1Life and Clientele are product providers of the funeral product. Remove 3rd party deductions. Reg 29a allows for deductions directly of a grant recipients income. As such, their agents are not permitted to sell funeral products to grant recipients. Rather these are sold by independent brokers who, under Regulation 29(A), are permitted to sell to grant recipients, where funeral deductions are done through a 3rd party directly off the recipients grant – as per the regulatory guidelines.
The broker is an independent financial services provider (FSP), meaning brokers operate separately from 1Life and are responsible for the advice they offer and the way in which they conduct their business. They are licensed to sell 1Life and Clientele products on their behalf.
Check your leave-behind document for the insurer’s contact details and contact them directly. You can also call our helpline on 011 568 0380 if you need assistance.
In addition, the 1Lifestyle Yethu & Clientele Royalty Blue rewards programmes aim to offer additional support to grant recipients, beyond your policy, where it matters most. Qualifying policy holders receive a 2.5kg bag of Pick n Pay Live Well Super Maize Meal for only R10 every month, in addition there are retail, grocery and health coupons, exclusive clothing discounts, travel discounts, educational courses and more. Please see below graphic overview of the offering below:
These benefits are for both existing and new qualifying grant recipient policyholders holding a Clientèle Legacy Funeral Plan or 1Life Generational Funeral Plan.
They can enjoy monthly savings, such as a 2.5kg bag of Pick n Pay Live Well Super Maize Meal for only R10 every month
These benefits are designed to ease financial pressure, support your daily needs, and provide more value from the services you already use.
You can redeem the benefits on the 1Life Lifestyle Yethu App or Clientele App, which is available on the Apple App Store, Google Play Store, or Huawei App Gallery.
No, we do not offer physical vouchers. Instead, we provide digital vouchers that can be used through the 1Life or Clientele App.
For example, to redeem the Pick n Pay Live Well Super Maize Meal, clients must show the cashier their unique wiCode accessible through the app after the item has been scanned at the till. They then only pay R10.00.
The code can only be used for this specific item and cannot be used for anything else.
They should contact the insurer immediately, to raise any concerns or queries. The number to call is 011 568 0380.
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