1Life promises affordable, simple and convenient insurance products. This page gives you access to the policy books and important terms and conditions that apply to 1Life’s products and services. If you have any questions about anything covered on this page, please contact us. One of our skilled consultants is ready to help.
The life cover policy book contains important policy terms and conditions, including information on restrictions, waiting periods and exclusions, and should be carefully read by all policyholders.
Your policy may be referred to an underwriter or quality assurer to assess whether to issue the policy and at what premium rate. To qualify for certain cover types, the life assured will be required to go for an HIV test. 1Life Insurance reserves the rights to require the life assured to undergo certain/specific medical tests as may be deemed necessary to ensure correct risk is covered. The costs of such medical tests shall be borne by the life assured.
Note: this policy book also contains terms and conditions for dread disease cover, disability insurance, female dread disease cover policies.
The funeral cover policy book contains important policy terms and conditions, including information on restrictions, waiting periods and exclusions, and should be carefully read by all policyholders.
Benefit can be paid out in 48 business hours provided that 1Life has received all claims documents and they have been approved by our claims department.
The Priority Life Cover policy book contains important policy terms and conditions, including information on restrictions, waiting periods and exclusions, and should be carefully read by all policyholders.
1Lifestyle rewards is available to qualifying 1Life policyholders with savings and discounts on everyday essentials and treats for the family. Policyholders unlock FREE benefits every month from grocery, health and beauty, travel, fashion, entertainment and fast-food brands. Loyal policyholders will Level Up every month and earn even more rewards by continuing to pay their monthly premiums. Monthly cash prizes are also up for grabs in the monthly Spin & Win competition.
With ForKeeps, qualifying 1Life policyholders can create a digital legacy for the people they love. Store and share special photos in digital albums, and record text, voice or video messages to be delivered to loved ones on important future occasions. It’s a simple, secure way to preserve precious memories and make sure your words can still be there for the moments that matter.
Before buying life cover online from 1Life, please read the applicable terms and conditions.
Users who have purchased 1Life Pulse must read the applicable terms and conditions.
Users purchasing investment products must read the applicable terms and conditions.
You can save up to 13% on your life insurance premiums and 40% on your funeral cover premiums when buying online. This saving is because 1Life Insurance is 100% direct.
Savings amount claimed, is risk profile dependent and based on combination life and funeral policies when compared to individual life and funeral policies.
All advertised premiums in any marketing material, are risk profile dependent and are subject to annual review.
We have 3 increase options, the options offered depends on the product:
SA’s #1 Direct Life Insurer for the 14th year running (based on Swiss Re Reports 2010 - 2024)
South African Customer Satisfaction Report 2022 has ranked 1Life Insurance customers as some of the most loyal in the industry.
Voted top in the PwC Annual SA Insurance Sentiment Index 2023.
Category Winner in the Life Insurance Category in the 2023/2024 Ask Afrika Icon Brands Benchmark Survey
City Press readers awarded 1Life Insurance a gold trophy in the City Press Your Choice Competition
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