Life Insurance | Life Cover | Life Policy | Quotes | South Africa

Gone are the days of complicated calculations, ambiguous product offerings and irrelevant policy elements. 

We won't test your patience with unnecessary paperwork, uptight consultants or complicated lap top presentations - in fact we don't even ask you to go for medical tests upfront.

PURE LIFE COVER

Exactly as the name says, pure insurance on your life to look after those you leave behind. With the option to take either basic or elevated cover:

1LIFE BASIC

• will pay out, to a beneficiary of your choice, a cash amount up to  R200 000 in the event of your death

• is a "level sum assured" product, so the amount you are covered for will not decrease while your policy is active

• can be taken for a specific number of years or for your whole life

• covers accidental death immediately

• includes terminal illness cover - i.e. if you are diagnosed with a terminal illness and your life expectancy is less than 12 months, your cash amount will be paid out

1LIFE ELEVATED

• will pay out a cash amount from R200 000 up to a beneficiary of your choice in the event of your death

• is also a "level sum assured" product, so the amount you are covered for will remain the same while your policy is active

• includes a "guaranteed assurability" option, which means that you can increase your cover amount if your lifestyle changes (e.g. when you get married, buy a home or have a baby)

• can be taken for a specific number of years or for your whole life

• covers you immediately for accidental death

• also includes terminal illness cover

You can further add some extra value to your life policy with our two additional products for disablement and dread disease:

1LIFE DISABLEMENT offers you a choice between cover for disablement which leaves you medically unfit to work and cover for events that result in a disability:

Occupation-based Disablement

•  pays out a cash amount if you become permanently and totally disabled and cannot do your normal job or any other work

• stands alone from your other benefits, so if this amount is paid out, your life cover amount will not be affected

• is a "level sum assured" up to 5 years before you turn 65 or retire

• covers you immediately if your disablement is the result of an accident

• includes the option to increase your cover amount when your circumstances change

Event-based Disablement

•  pays out a percentage of your cover amount depending on the kind of disability you suffer, e.g. if you lose an eye, you get 50% of the amount, but if you become permanently blind in both eyes, a 100% will be paid out.

• also stands alone - so claim here will not affect the cover value of your other products

• covers you immediately for accidental disablement

• can be increased according to your lifestyle changes

1LIFE DREAD DISEASE

• pays a percentage of your "level sum assured" cover amount if you suffer a dread disease such as leukemia or undergo a major heart operation or organ transplant

• is a stand-alone product which will not affect your other cover's value

• can be taken for a specific period or for your whole life

• includes "guaranteed assurability" for lifestyle-related cover amount increases

If you have disablement and/or dread disease cover under these additional products and claim from one of them, we will pay the premiums for your other policies to help you keep your cover active during difficult periods:

DISABLEMENT PREMIUM WAIVER pays the premiums of your 1Life Basic/ Elevated and 1Life Dread Disease cover (if you have this) on your behalf for a period of up to 5 years if you become disabled and the full cover amount of your 1Life Disablement policy is paid out.

DREAD DISEASE PREMIUM WAIVER pays the premiums of your 1Life Basic/ Elevated and 1Life Disablement cover (if you have this) on your behalf for a period of up to 5 years if you suffer a dread disease or have a major heart operation or organ transplant and the full cover amount of your 1Life Dread Disease policy is paid out.

CREDIT LIFE COVER

Very simple again: pure insurance on your life, which covers your outstanding debts.

1LIFE CREDIT

• will, in the event of your death, pay out the outstanding capital on a short or long term debt (such as car or home) to your financier

• is a "decreasing sum assured" product, which means that the pay-out amount drops in line with the repayments you make on your loan

• includes the option to take occupation-based disablement cover as well as dread disease cover

• is valid for the whole loan contract period or outstanding period (if you start the life policy after you took your loan) or until a disablement, death or dread disease claim is made and paid out

• covers you immediately for accidental death