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Yvette M

2 reviews

4 days ago

Absolutely fantastic! I never realized I was overspending on life insurance until now. Different Life opened my eyes. I wholeheartedly recommend it to everyone. Ensuring my family's future feels incredibly rewarding.

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S

Lerato N

2 reviews

7 days ago

Thank you so much. Different Life truly delivers on their promise of friendly consultants. It's such a relief to know I can provide for my family the right way.

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64 523+ South Africans helped with better cover at a lower premium

What Problems can Different Life Solve?

Frequently Asked Questions

Am I eligible for Life insurance?

Anyone between the age of 18 and 65 is eligible to apply for Life Insurance, but the offer of cover will be based on a medical and lifestyle risk assessment.

How much life insurance is enough?

It depends on a few things, some examples are as follows:

• How much outstanding debt needs to be settled when you pass on? 
• How much income will your family need every month (after the debt is settled) to cover monthly expenses you used to pick up? 
• What about future education costs? 
• Are other costs like Estate Duty, Executors fees and Capital Gains Tax going to be applicable on your passing?

We always suggest that you start with our online calculator. It takes the guesswork out of things, and that way you only end up paying for the cover you really need. 

The future is unpredictable and, sometimes, a life insurance is the best way to avoid risks should the unexpected arise.

You are NOT alone in this, many millions of South Africans have taken out a life insurance plan in order to prevent financial risk, have peace of mind, help pay off debt or even leave an inheritance. 

What is Life Insurance?

Life insurance is a contract you enter into with a Life Insurer. In the event of a valid claim, your insurer promises to pay out a pre-determined amount of money (details included in your policy document) to your nominated beneficiaries when you pass away. You hold up your end of the bargain by paying the insurer a monthly premium in exchange for the cover they’ve granted you.

Different Life is a financial services provider. We sell life insurance policies underwritten by Old Mutual Alternative Risk Transfer Limited (OMART). Our products can be purchased online or via our call centre.

All our customers have the opportunity to make a difference by joining Different.org and donating their first payment every year to charity.

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We undertake to deliver the best possible service

And to make life insurance simple, inexpensive, effective. Using a unique online platform, we offer life insurance with a difference. We take full advantage of technology. We enable anybody at any time to get a comprehensive range of insurance products with just a few clicks. From getting a quote to purchasing a policy, the whole process is friendly and easy to use.

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And there’s more

We believe that buying a life insurance policy through Different Life is something you should feel good about. Not just because you’re protecting your loved ones, but because you’re joining us in impacting someone else’s life. Your first monthly payment – and the first payment every subsequent year – will become a Different Donation, allocated to a charity of your choice through Different.org.

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Here’s another innovation: if you refer a friend or family member to Different Life and they buy a policy as a result of your referral, you will automatically be rewarded with another Different Donation: another monthly payment to donate on the Different.org site.

In South Africa, we have been encouraged and incentivised to purchase life insurance products. 

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Life insurance is essential for managing risk, covering funeral expenses, managing debt, paying off vehicles and bonds, and ensuring an inheritance. 

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However, many people are now struggling to make their monthly payments and find that paying for life insurance premiums is becoming increasingly unaffordable.

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If life insurance payments are missed, your policy may lapse, resulting in a loss of all benefits and exposing you to risk. 

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The last thing you want is for your hard-earned money to be wasted, leaving you and your family without coverage for the future.

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Thousands of South Africans have successfully reduced their monthly life insurance payments thanks to the expertise of our life insurance consultants. 

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We operate independently from banks and creditors, providing impartial advice on the most affordable ways to structure your life insurance.

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We are dedicated to finding the right life insurance policy that works for YOU

John D

1 review

5 days ago

I really can't thank you enough. I was stuck with a life insurance policy that wasn’t worth it. Now, I am finally happy with my provider and can keep up with my payments consistently. Thanks again!

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