FAQ - Expense protector

1Life Expense Protector, a type of income protection, is an innovative disability insurance policy designed to protect you and your family against the financial implications of disability. The policy pays out your sum assured amount monthly if you become temporarily disabled up until you return to work or retire.

You decide how much cover you might need as well as how much you would like to be paid out monthly. You can choose to split your benefit between a monthly pay-out or a total lump sum pay-out as follows:

  • 100% lump sum : 0% monthly
  • 75% lump sum : 25% monthly
  • 50% lump sum : 50% monthly
  • 25% lump sum : 75% monthly
  • 0% lump sum : 100% monthly

Disablement cover normally pays out a lump sum if the policyholder is permanently disabled. 1Life Expense Protector is designed to help you cover your monthly bills while you recover from a disabling injury before you return to work.

No, you don’t have to be an existing client to make use of this product.

You can only purchase expense protector on its own.

Yes, you will have to undergo an HIV test in order to qualify for 1Life Expense Protector.

There is no cost to you to complete this test.

There are two ways that you can do a HIV test:

  • A blood test, which can be done at any Lancet laboratory
  • A saliva test, which can be done at prescribed Link pharmacies
1Life will help you to find the closest laboratory or pharmacy in your area. Visit our Find a Lab or Pharmacy page for more information.

No, however there is a deferment period from the date you are diagnosed. This is the period of time that has to lapse, after occurrence of an event that leads to a claim, before you are entitled to receive a benefit.

As the cover amount is payable to the life assured, the pay-out can only be made to them. Upon death, the cover falls away

Yes there is an age limit for this cover type. You can take out expense protector anytime between the ages of 18 and 60. However your cover level will decrease from your 60th birthday, where your cover expires when the life assured turns 65 or you reach your selected retirement age, whichever is earlier.

Yes. You have the option to increase your benefit pay out by 5% when you first take out the insurance, as well as when you submit a claim.

No. 1Life Expense Protector is designed to help you pay monthly expenses if you are ever unable to work due to disability. Your monthly pay-out should be used to pay your monthly bills such as school fees, bond, groceries etc.

If you need to lodge a claim with 1Life, the following procedure would need to be followed:

  • Call the claims department on 0860 10 51 96, where one of our dedicated claim consultants will assist
  • The claims consultant will provide you with the initial documentation required to process the claim
  • Completed forms need to be sent back to 1Life via one of the following:
    • Fax: 0860 10 51 97
    • Email: claims@1life.co.za
    • Postal address: PO Box 11250, Johannesburg, 2000
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