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Whether you are a young adult blazing your first trail or a growing family of four, we know that our products have the power to change your life. Find out more about which products suit your life stage, get answers to all your questions in our FAQs or do an online needs analysis. This and more on our Tools page.

Life's changing? Life's changing?
Young adultYou are young and in the prime of your life, but you still need the financial protection of funeral cover, dread disease cover and disability insurance.
Living togetherFrom boyfriend and girlfriend to living together, find out why you need to insure your life against illness, disability and death.
Single parentAs a single parent you carry the burden of providing for your family. Get peace of mind with life insurance, dread disease cover and disability insurance.
Starting a familyIf you are starting a family then this is the advice you need about life insurance, dread disease cover and disability insurance.
Established familyAs a parent, life cover, dread disease cover and disability insurance are an essential part of your personal financial planning.
Introduction to Introduction to
Life insuranceA life insurance pay-out is intended to replace the income provided by the deceased and can be put towards food, debt, medical expenses and school fees.
Funeral coverA funeral cover policy pays out in the event of the death of the insured person, providing the funds the family needs to pay funeral expenses. 
Dread disease cover Dread disease cover pays out a lump sum if the insured is diagnosed with one of the illnesses listed in his/her policy document. These funds can be used to pay medical expenses not covered by medical aid.
Disability insuranceDisability insurance pays out a lump sum if the insured is disabled by accidents or illness, funds that can be used to remodel your home or car and replace all or some of your income.
Expense protector1Life Expense Protector will pay out a monthly income if you are unable to work due to temporary disability or illness.
FAQ FAQs
Life insurance FAQsAnswers to your life insurance questions, including how to claim on a policy and information on buying the cover you need.
Funeral cover FAQsRead our comprehensive FAQs for answers to all your questions on 1Life Funeral Cover.
Dread disease cover FAQsRead on for the most commonly asked questions about dread disease cover, also known as critical illness cover.
Female dread disease FAQsIf you have questions on our innovative female dread disease policy then you have to the right place. Find out more.
Disability insurance FAQsWaiting periods and HIV tests? If you have a question about disability insurance we have answered it!
Expense protector FAQsFind out more about how you can protect your monthly income against temporary disability.
Use the online 1Life glossary to find definitions for the terms used in our policy book and on this website. If you cannot find the term you are looking for or if you have any questions about our products or your policy call us on 0860 10 53 40 or we will call you.
In order to buy cover with us you might be asked to do an HIV test. You can do your test via cheek swab at any Link Pharmacy or you can do a blood test at a Lancet Laboratory. Use our online tool to find the branch closest to you or call us on 0860 10 53 40.
Take the guesswork out of your financial planning with a financial needs analysis. Answer questions about yourself, your investments and how much money you would like to leave to your family, and get recommendations on how much you should be saving and how much life, dread and disability insurance you should buy. 
Do you have too much dread disease cover and too little disability insurance? Or perhaps your need more life cover? Use our insurance calculator to work out exactly how much cover you and your family need against death, disability and dread disease. Once you know how much cover you need you can buy your life insurance online.
If you want to make sure that your assets are distributed according to your wishes then you need a legally valid will. Download your free will template here.
For terms and conditions for your 1Life life cover policy, including dread disease cover and disability insurance, please download our online policy book.