One Click Life Insurance from 1Life

1Life claims that their products change lives. One Click Life Insurance from 1Life is simple, affordable, and very convenient.

In 2013, 1Life Direct Insurance officially changed its name to 1Life Insurance. They still offer the same direct service as before.

That means that there is no middle-man or broker, saving you a whopping 22% before you even start.

You can do everything online, or even by cell phone. A life insurance policy is a policy existing between you and 1Life.

When you pass away, a lump sum of the cover, you chose. They will then pay your beneficiaries accordingly.

What you need to know about life insurance from 1Life – One click life insurance

  • one click life insuranceTo apply you need to be between the ages of 18 and 65.
  • You must be a South African citizen.
  • You must have a bank account with a debit order facility.
  • No medical examination is necessary.
  • You may get cover from R200,000, up to R10,000,000.
  • You may select up to 10 people as beneficiaries.
  • An HIV test is necessary, which you can do at any Lancet laboratory.
  • No increase in premiums for the first 24 months, after that on the anniversary date, at 5% per annum.
  • Premiums start at about R120 per month.
  • You may increase your cover amount on the policy anniversary date, without having to undergo any medicals.
  • We will base your premiums on your risk profile.

Variables that will determine your risk profile

  • Your Age.
  • How healthy you are.
  • What job you have, and possible risks factors.
  • What your lifestyle habits are.
  • Gender – women live longer than men.

Waiting periods

  • There is no waiting period applicable for natural or accidental death.
  • There is a 24 month waiting period for suicide.

Some of the benefits you can expect from 1Life – One click life insurance

Pay Now funeral benefit:

  • This R50 000 comes out of your total cover and becomes available within 48 hours to assist with funeral costs.
    • R5 000 from your cover can also be set aside for a memorial benefit.
  • Money management services are available to all policyholders at no extra cost.
  • We include terminal illness in this policy. If you are diagnosed and expected to die within a year, you will be paid out your full cover.
  • Expo-Sure – This is an HIV test and treatment within 72 hours of accidental exposure.
  • Assurability benefit allows you to increase your cover as your lifestyle changes.

Other benefits that you can add on to your cover.

  • Dread Disease Cover – strokes, heart attacks
  • Female Dread Disease Cover – for women and children against various cancers
  • Disability Benefit where you are paid out after injury or accident when you are unable to return to work.
  • Expense Protector. This will provide you with a monthly income while you are temporarily disabled due to accident or injury.
  • Unit Trusts – enabling you to save for a rainy day. For R500 per month, you get exposure to the Johannesburg Stock Exchange.
  • You will qualify for a personal cash loan of up to R150,000 at a special repayment term of between 12 and 60 months.


1Life has as it’s main characteristics – One click life insurance

  • It’s affordable. Especially with the 22% discount, and the two years without having premiums raised.
  • It’s convenient. With one click from your computer or cellphone, you can get life insurance.
  • User-friendly. The documents are easy to read and understand. There is no paperwork involved and no medical examination.
  • Personalized. We tailor the cover to suit your needs.


With one click online, you can get instant cover. There is even a Financial Needs Analysis that will help you decide on the amount of cover necessary. All you need on hand, is your ID number, your income before tax, your height and weight, banking details, and the names of up to 10 people you choose as beneficiaries. Fifteen minutes later you will have life insurance in place.

Fill in and submit the form on this page to get your one free Life Insurance Quote

All info was correct at time of publishing