Life Insurance - 1Life

1Life

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Life insurance - 1Life

Life is precious, exciting, exhilarating and above all valuable. Life is also totally unpredictable.  No one can foresee the future and that is why life insurance is essential.

Join the new generation. With 1Lifeyou are assured of straightforward solutions for all your life cover needs. You need the assurance that your dependants and debts will be taken care of in the event of your death – and that’s exactly what we give you. Plain and simple. No complicated calculations, no “investment components”. We don’t test your patience with paper, collared consultants or fancy lap top presentations –To to get cover all we need is a HIV test, no medical examinations! Expect competitive premiums, service processes free of all the traditional headaches plus the freedom to choose the high quality package that suits you best:

PURE LIFE COVER

1LIFE BASIC

  • Pays out from R50 000 to R200 000 life cover to a beneficiary/ies of your choice in the event of your death
  • R50 000 funeral benefit is paid out to your beneficiary 48 hours after a valid claim has been submitted*
  • Includes a terminal illness benefit - if you are diagnosed with a terminal illness and your life expectancy is less than 12 months, your cover amount will be paid out
  • Death due to natural causes is covered after 2 years
  • Your premiums remain fixed for the first 24 months
  • Your cover amount will not decrease while your policy is active
  • Covers you for the whole of your life
  • Covers you immediately for accidental death
  • Suicide is covered after the first two years
  • Provides access to Expo-Sure, a confidential HIV testing and treatment programme for accidental exposure

Complete this short form: 1Life quote

1LIFE ELEVATED

  • Pays out from R200 000 to R10 million life cover to a beneficiary of your choice in the event of your death
  • Premium will remain unchanged for the first twenty four (24) months.Thereafter a 5% annual premium increase will apply
  • R50 000 funeral benefit to be paid out to your beneficiary 48 hours after a valid claim has been submitted*
  • Includes a terminal illness benefit - if you are diagnosed with a terminal illness and your life expectancy is less than 12 months, your cover amount will be paid out
  • Includes a Headstone Benefit of R5000 at no additional cost to you
  • Includes a Guaranteed option, which means that you can increase your cover amount if your lifestyle changes
  • Your cover amount will not decrease while your policy is active and it covers you for the whole of your life
  • Covers you immediately for accidental and natural death
  • Suicide is covered after the first two years
  • Premium Waiver: If you take up a 1Life Elevated Life Cover policy as well as Disablement Cover and you become disabled and we pay 100% of the disability cover, the premiums for your Life Cover and Dread Disease (if applicable) will not be charged for up to five (5) years
  • Your policy gives you and your family access to an HIV prevention and treatment benefit (Expo-Sure), following accidental exposure, at a cost of only R1.00 per month

* Terms and Conditions apply

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

Complete this short form: 1 Life quote

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 from R200 000 to R10 million if you become permanently and totally disabled and cannot perform your normal job or other work to which you are suited
  • If the full disablement benefit is paid out, your cover will cease. If you have this cover additional to your life cover, your life cover will not be affected
  • Your cover level will not decrease until five years before you turn 65 or your selected retirement age, whichever is earlier
  • Covers you immediately on commencement date, for accidental disablement; and
  • Includes a Guaranteed option, meaning that you can increase your cover amount with limited underwriting or on your third policy anniversary, if your lifestyle changes; for instance, when you get married, buy a home or start a family
  • Choose our Disablement Premium Waiver option, which pays the premiums of your pure life and dread disease policy on your behalf for a period of up to five years
  • Your policy gives you and your family access to an HIV prevention and treatment benefit (Expo-Sure), following accidental exposure, at a cost of only R1.00 per month

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.
  • Covers you immediately on commencement date, for accidental disablement
  • Your cover level will fall away when you turn 65 or your selected retirement age, whichever is earlier
  • There is a deferment period of three months from the date of disablement, before pay-out may occur
  • Your policy gives you and your family access to an HIV prevention and treatment benefit (Expo-Sure), following accidental exposure, at a cost of only R1.00 per month

1LIFE DREAD DISEASE

  • Pays a percentage of your cover amount (from R50 000 to R4 million) if you suffer a dread disease, such as cancer or undergo a major heart operation or organ transplant
  • If the full dread disease benefit is paid out, your other cover amounts for pure life and disablement (if applicable) will not be affected
  • Covers you for the whole of your life
  • Premium will remain unchanged for the first twenty four (24) months
  • Includes a Guaranteed option, meaning that you can increase your cover amount with limited underwriting or on your third policy anniversary, if your lifestyle changes; for instance, when you get married, buy a home or start a family

Complete this short form: 1Life quote

Complete the following short form for a for a free, no-obligation Quote or call 0860 10 53 42


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Life insurance - 1Life