Choosing the right insurance or financial service provider in South Africa can make a real difference when protecting your future and your loved ones. 1Life has become a popular option for many South Africans by offering simple, direct life insurance, funeral cover, dread disease protection, disability cover, and estate planning services. Known for its straightforward application process and commitment to making insurance more accessible, 1Life aims to give individuals and families financial peace of mind without the need for endless paperwork or medical examinations.
1Life provides insurance and financial services to help South Africans protect their families and manage their financial future. With options like life insurance, funeral cover, dread disease protection, and income protection, 1Life offers simple, affordable solutions. If you are looking for reliable cover without the complications of traditional insurance, keep reading to see how 1Life can meet your needs.
DISCLAIMER: Loan products previously provided by 1Life have been discontinued. Current service offerings may differ from those described.
1Life South Africa: Quick Overview
Service Type: Life insurance, funeral cover, dread disease cover, disability insurance, income protection, and estate planning
Access: Online or telephonic application via the 1Life website or call centre
Eligibility: South African citizen or permanent resident with a valid ID; 18 years or older
Fees: Monthly premiums based on personal risk profile; fixed for the first 12 months, then reviewed annually
Additional Services: Free financial education (Truth About Money), free will drafting, rewards programme, funeral repatriation, grocery and headstone benefits.
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What Makes 1Life Unique?
1Life sets itself apart by making insurance simple, fast, and accessible to a wide range of South Africans. Instead of following the traditional model where long forms, medical check-ups, and in-person meetings are expected, 1Life focuses on a fully online and telephonic approach. Applications can be completed in minutes, often without needing a full medical examination, although an HIV test might sometimes be required for life insurance. This approach saves time and reduces stress, making it easier for people to secure cover without delay. The company’s focus on affordability, transparency, and fast service gives customers the opportunity to protect their families with minimal hassle.
Another feature that makes 1Life unique is their financial education initiative called “Truth About Money.” This platform gives customers free access to tools such as financial literacy courses, debt management services, and assistance with drafting wills. 1Life does not only sell policies but also supports customers in improving their financial well-being. This combination of accessible insurance products and free financial education makes 1Life an appealing choice for individuals looking for practical and supportive solutions without paying extra fees or attending complicated consultations.management, or home improvements, 1Life’s diverse loan offerings cater to a wide range of financial requirements.
DISCLAIMER: 1Life’s loan products have been discontinued. The information presented may not reflect the current range of services.
Types of Services Offered by 1Life
Life Insurance
1Life offers Pure Life Cover, Pure Life Plus, and Priority Life Cover options. These services provide lump-sum payments to beneficiaries in the event of the policyholder’s death. Life insurance from 1Life is suitable for individuals who want to ensure that their family members can cover everyday expenses, outstanding debts, or major financial commitments if the unexpected happens. Cover amounts can go up to R10 million, depending on the applicant’s personal profile and needs.
Funeral Cover
The 1Life Funeral Cover allows customers to cover themselves and up to 16 family members under one plan. It helps pay for funeral costs and associated expenses, reducing financial stress on loved ones during difficult times. The cover is usually paid out within 24 hours once a valid claim is approved, which provides quick financial support when it is needed most.
Dread Disease Cover
Dread Disease Cover protects customers against the financial strain caused by severe illnesses such as cancer, heart attacks, and strokes. Policyholders receive a lump-sum payout upon diagnosis of a covered illness, which can be used for medical bills, home care, or lifestyle adjustments. There is also a Female Dread Disease Cover option that specifically addresses illnesses that are more common among women.
Disability Cover
Disability Insurance through 1Life provides financial security if a customer becomes permanently disabled and is unable to work. The policy offers a once-off payment, which can be used for lifestyle adjustments, income replacement, and ongoing medical care. This service is aimed at working adults who want to ensure that they are protected against loss of income following a major accident or illness.
Expense Protector (Income Protection)
Expense Protector from 1Life acts as an income protection product. It provides monthly payments if a customer becomes temporarily disabled or seriously ill and cannot earn an income. This product is particularly useful for self-employed individuals and people who do not have access to sick leave benefits.
Estate Planning Services
1Life also provides Estate Planning services that help customers create valid wills and plan how their assets will be managed after death. Through the Truth About Money platform, individuals can draft a basic will at no cost. Estate planning services are designed to ensure that family members are taken care of and that personal wishes are followed without lengthy legal battles.
Investments and Financial Tools
Beyond insurance, 1Life provides access to investment solutions and financial tools to help customers grow and manage their wealth. These services include savings products and investment plans designed to assist in building a more secure financial future.
Loyalty and Rewards
Through the 1Life Rewards Programme, customers can access discounts on health services, fitness, travel, and lifestyle products. Membership to this programme is included with selected policies, offering added value without extra charges.
Who Is 1Life Best For?
1Life is best suited for South African individuals who:
- Want to protect their families financially with life insurance, funeral cover, or dread disease protection
- Prefer a quick and simple online or telephonic application process without lengthy paperwork
- Need affordable insurance options with flexible cover amounts to match their needs and budgets
- Value having access to financial education resources, including free will drafting and debt management advice
- Are looking for a licensed, FSCA-regulated insurer that offers fast claims processing and strong customer support
Is 1Life a Safe and Reliable Option?
Yes. 1Life is a trusted and licensed life insurer and financial services provider in South Africa, authorised by the Financial Sector Conduct Authority (FSCA). It operates fully in line with South African financial regulations and follows strict procedures to ensure that clients receive fair, transparent, and lawful insurance and financial services. 1Life offers a range of products including life insurance, funeral cover, dread disease cover, disability insurance, income protection, and estate planning services.
To protect customer information, 1Life uses secure online and telephonic platforms for applications and servicing. All personal data is handled confidentially, and information is only shared with relevant parties such as underwriters or medical service providers when necessary and with proper consent. This ensures that your privacy is protected and that your financial and personal information remains safe throughout the application, servicing, and claims processes.
Requirements for a 1Life Service
Applying for a service with 1Life is designed to be as easy and straightforward as possible. To apply, customers need to provide a few essential documents and pieces of information. Applicants must be South African citizens or permanent residents and must be 18 years or older. The key requirements include:
- A valid South African ID document (green barcoded ID or Smart ID card)
- Proof of income (such as recent payslips or a bank statement, depending on the policy)
- Contact information (mobile number and email address)
- Banking details for premium payments
- Basic personal information, such as residential address and employment details
For certain products like life insurance, 1Life may also require an HIV test. This is arranged by the company and is quick and confidential. No full medical examination is needed unless otherwise indicated based on the policy being applied for.
Simulation of a Service at 1Life
Here is a simple step-by-step guide to applying for a service with 1Life:
- Visit the 1Life website or call the contact centre.
- Choose the product you wish to apply for (e.g., life insurance, funeral cover).
- Fill in the quick online application or answer questions over the phone.
- Submit your ID number, income proof, and banking details.
- Complete an HIV test if required (at no cost).
- Receive your policy documents once approved.
- Start paying your monthly premium.
Eligibility Check
1Life offers an easy way for customers to check if they are eligible for cover without any obligation. On their website, users can request an instant quote by entering basic information such as their age, income, and smoking status. Based on these details, the system gives a quick indication of potential cover amounts and premium estimates. In some cases, the call centre agents will also assist in pre-qualifying applicants by asking a few short questions before proceeding to a full application. This process helps customers understand what they qualify for before committing to anything.
How Many Services Can I Apply for at 1Life?
At 1Life, customers can apply for as many services as they need, provided they meet the eligibility criteria for each one. It is possible to hold multiple policies at the same time, such as life insurance, funeral cover, dread disease cover, disability insurance, and income protection. Customers who require both personal protection and family support solutions can combine different policies under one provider, making it more convenient to manage their financial protection in one place. Each service is applied for separately, and each policy will have its own terms, premiums, and conditions.
How 1Life Creates Personalised Services
1Life focuses on tailoring each policy to match the individual needs of their customers. During the application process, customers provide personal information such as age, health status, income, smoking habits, and the level of cover they want. Using this information, 1Life customises the premiums, cover amounts, and even additional benefits to fit each person’s circumstances. This approach means that no two policies are exactly the same. Customers are also able to add optional benefits, such as family funeral cover or disability riders, to their life insurance policies, giving them more control over their coverage.
1Life – Overview in Detail
| Company Name | 1Life Insurance |
|---|---|
| Company Type | Licensed Life Insurer and Financial Services Provider |
| Regulator | Financial Sector Conduct Authority (FSCA) |
| Services Offered | Life Insurance, Funeral Cover, Dread Disease Cover, Disability Cover, Income Protection (Expense Protector), Estate Planning Services, Financial Education (Truth About Money) |
| Minimum Age | 18 years |
| Coverage Amounts | Life Insurance: up to R10 millionFuneral Cover: up to R50,000 per memberDread Disease Cover: up to R4 millionDisability Cover: up to R10 million |
| Policy Terms | Tailored to individual needs; terms vary based on selected cover and personal circumstances |
| Monthly Premiums | Customised based on risk profile (age, health, and coverage selected) |
| Medical Requirements | No full medical exam required; HIV test may be required |
| Claims Processing Time | Funeral Cover: Paid within 24 business hoursLife Insurance: Varies; depends on documents submitted |
| Payment Flexibility | Monthly debit order payments; premiums fixed for the first 12 months (then reviewed) |
| Additional Benefits | Rewards Programme, Truth About Money (financial education), Grocery Benefit (up to R6,000), Headstone Benefit (R5,000), Repatriation Service |
| Regulatory Compliance | Fully compliant with FSCA regulations |
| Our Opinion | ✅ Wide range of insurance products ✅ Streamlined application and claims processes ⚠️ Premiums may increase after 12 months ⚠️ Limited physical branches |
| Customer Feedback | ✅ Quick claims processing ✅ Easy application and affordability ⚠️ Some complaints about communication and clarity of terms |
How Long Does It Take to Complete a Service from 1Life?
Completing a service with 1Life is generally a quick process. For most life insurance and funeral cover applications, approval can happen within 24 to 48 hours if all documents are in order. The full process, from application to receiving the policy documents, often takes only a few working days. If an HIV test is required, this might add an extra 1 to 3 days, depending on how quickly the test is arranged and completed. Factors that could affect the speed include delays in submitting documents, complications in the underwriting process if health issues are disclosed, and availability for completing the HIV test.
How Do I Pay for My Service from 1Life?
Customers pay for their 1Life services through a monthly debit order from their South African bank account. Premiums are fixed for the first 12 months for most policies and are reviewed annually based on risk factors such as age and health. Payment dates are usually aligned with the customer’s salary date for convenience. 1Life does not offer cash payments, manual bank transfers, or payment by credit card. If a customer misses a payment, there is a risk that the policy may lapse, depending on the terms and conditions. Fees and penalties can include administrative charges for reinstating a lapsed policy or small increases in premiums after policy reviews. Customers are advised to maintain regular payments to avoid disruptions in their cover.
Pros and Cons of 1Life
Pros of 1Life
- Quick and easy application process: online or over the phone, with minimal paperwork.
- No full medical examinations required: only an HIV test may be needed for some policies.
- Affordable cover options: life cover starting from as little as R100 000 and funeral cover from R5 000.
- Wide range of products: life insurance, funeral cover, dread disease cover, disability cover, income protection, and estate planning services.
- Free financial education tools: access to the Truth About Money programme.
- Fast payout on funeral claims: payouts typically within 24 hours after approval.
- Flexible premium structures: premiums fixed for the first 12 months on most products.
Cons of 1Life
- Premiums may increase after the first year based on age and health risk reassessments.
- Limited physical presence: most services are handled online or via the call centre, which may not suit customers who prefer face-to-face service.
- Strict underwriting on certain covers: applicants with serious health issues might face exclusions or higher premiums.
- Policy terms can be strict: missed payments could result in the cancellation of the policy without much flexibility.
Customer Service at 1Life
1Life provides several ways for customers to reach their support teams. Customers can contact 1Life through their dedicated call centre, submit queries online, or use the WhatsApp service for assistance. The call centre operates during regular business hours and is staffed by trained consultants who can help with applications, claims, and general enquiries. Policyholders can also manage some services themselves through the 1Life website’s online portal, where it is possible to update personal information, submit claims, or request policy documents.
Contact Channels
Phone number:
Office: 00860 10 53 40
Hours of operation:
Monday to Thursday: 08:00 – 20:00
Friday: 08:00 – 17:00
Saturday: Saturday: 09:00 – 13:00
Closed on Sundays and public holidays
Postal address:
Private Bag X11, Rivonia, 2128, South Africa
Online Reviews of 1Life
When it comes to online reviews, 1Life generally receives positive feedback from South African customers. Many people praise the company for its fast and simple application process, noting that it is easy to get cover without having to visit a branch or submit large amounts of paperwork. Customers often mention the helpfulness and professionalism of the call centre agents, especially when guiding new applicants through the process or handling claims. The quick payout times for funeral cover, often within 24 hours, are highlighted as one of 1Life’s strongest points.
However, some negative reviews exist as well. A few customers report issues with premium increases after the first year or confusion about policy terms when not fully explained during the sale. Others have raised concerns about communication delays when submitting claims or queries. Overall, though, the majority of feedback shows that 1Life delivers on its promise of making insurance more accessible and user-friendly for South Africans.
Best service I have ever received in my life, always respond quick to my queries and calls and very patience with me while helping me.
My father passed away 3 years ago on the 5 th of January I have to say with me being with 1 life it made everything easy as January no one has money and the consultants that assisted me was very sympathetic and helpful by the Monday I got my payout and could give my father a dignified send off.
I am deeply disappointed with 1Life Insurance’s handling of my occupational disability claim. I submitted my claim in June 2024, provided all required documents by September 2024, and am still waiting for resolution. Despite their assurances, they have added unnecessary delays by demanding new evaluations months later, with no definitive timeline for finalisation.
Really the baddest funeral policy I ever joined when you have a problem they take forever to assist you but when you wanna join they call repeatedly.
Alternatives to 1Life
While 1Life is a popular choice, South Africans have several other options if they are looking for life insurance, funeral cover, or income protection products. Some of the notable alternatives include:
- OUTsurance Life: Offers life cover with cashback rewards for claim-free periods and competitive premium structures.
- Old Mutual: One of South Africa’s oldest financial services groups, offering a wide range of insurance products with a strong branch network.
- Sanlam Life: Provides personalised insurance solutions with additional investment and retirement planning options.
Each of these companies has its own advantages and focuses, depending on the customer’s specific needs, budget, and service preferences.
Comparison Table: 1Life vs Competitors
| Feature | 1Life | OUTsurance Life | Old Mutual | Sanlam Life |
|---|---|---|---|---|
| Application Method | Online / Call Centre | Online / Call Centre | Branch / Online / Agent | Branch / Online / Agent |
| Medical Exam | Only HIV test if needed | Full underwriting | Varies (full or partial) | Full underwriting |
| Quick Funeral Payout | Within 24 hours | Up to 48 hours | 24–48 hours | 24–72 hours |
| Cashback Rewards | No | Yes | No | No |
| Financial Education | Yes (Truth About Money) | No | Limited initiatives | Limited initiatives |
| Product Range | Life, Funeral, Disability, Dread Disease, Income Protection, Estate Planning | Life, Funeral | Life, Funeral, Retirement, Investments | Life, Funeral, Investments |
DISCLAIMER: 1Life no longer provides loan products. Any references are for informational purposes only and may not represent current services.
History and Background of 1Life
1Life was established in 2006 with the goal of changing how South Africans access life insurance. The company’s founders believed that traditional insurance processes were too complicated, too slow, and too expensive for many individuals and families. By offering direct insurance solutions online and over the phone, 1Life created a more affordable and accessible model.
Today, 1Life is part of Telesure Investment Holdings, one of South Africa’s largest financial service groups. Over the years, the company has built a strong reputation for customer service, innovation, and supporting financial education. Their “Truth About Money” platform is a key part of this mission, aiming to improve financial literacy across the country.
The company’s vision is to make life insurance and financial services straightforward, affordable, and accessible to every South African. They aim to empower customers to secure their financial futures with simple, reliable products that meet real needs without unnecessary complexity.
Conclusion
1Life has made a clear name for itself in South Africa by providing insurance and financial services that are simple, affordable, and easy to access. With a strong focus on offering life cover, funeral cover, dread disease protection, disability insurance, and estate planning through a mostly online and telephonic process, 1Life meets the needs of busy individuals and families who want straightforward solutions. Their commitment to quick claims processing, free financial education, and tailored policies makes them a practical option for many South Africans. While there are a few areas where customers have raised concerns, the overall offering remains strong, especially for those seeking fast, reliable, and transparent insurance products without complicated procedures.
Frequently Asked Questions
Do I need a medical examination to apply for life insurance with 1Life?
No, a full medical examination is not required. In most cases, only a simple HIV test might be needed.
How long does it take to receive a funeral payout from 1Life?
Funeral claims are usually paid within 24 hours after the approval of a valid claim.
Can I have more than one policy with 1Life?
Yes, you can apply for and hold multiple policies, such as life cover, funeral cover, and income protection, at the same time.
How do I apply for a service with 1Life?
You can apply online through their website or by calling the 1Life call centre, with the process taking only a few minutes in most cases.
What happens if I miss a premium payment?
If a premium payment is missed, the policy may lapse, but 1Life usually provides a grace period. It is best to contact them immediately to arrange payment and avoid losing cover.
