1Life Funeral Cover

1Life sells one funeral plan, 1Life Funeral Cover, and it also sells life cover. 1Life Insurance Limited is the insurer, and 1Life is now part of the Clientèle group. The plan pays up to R50 000 for each family member, and one policy can cover up to 16 people.

The family limits are published:

• Spouses: up to 2.
• Children: up to 5, up to the age of 21.
• Extended family: 9 members, including 4 parents (up to the age of 75) or parents-in-law (up to the age of 65).

1Life does not state the age limit for the main member on the page we checked, so ask when you apply.

• 1Life funeral claims can be lodged by uploading documents online, emailing [email protected], or phoning 0860 10 51 96; a claims consultant responds within 24 business hours. (1life.co.za)
• 1Life says valid funeral claims are paid within 48 business hours. (1life.co.za)
• 1Life Funeral Cover pays up to R50 000 per family member and covers up to 16 family members on one policy, with no medical exam. (1life.co.za)
• Waiting periods: none for accidental death once the first premium is received; for natural death, 6 completed months and 6 paid premiums. (1life.co.za)
• Included benefits are a R5 000 headstone benefit, a repatriation service (from any SADC country to South Africa) and a R6 000 grocery benefit if the main member dies. (1life.co.za)
• 1Life's published example premiums are R290, R320 and R383 a month depending on the family (risk profile dependent), and buying online saves 40% on monthly premiums. (1life.co.za)
• 1Life is now part of the Clientele group, alongside the Clientele and Emerald Life brands. (clientele.co.za)

Plans as 1Life describes them on its own website on 30 September 2026. Premiums depend on your age, the cover amount and who you add, so the published figures are examples, not quotes.

Extra benefits 1Life lists:

• 1Life Funeral Cover: R5 000 headstone benefit and repatriation service for all policy members; R6 000 grocery benefit if the main member passes; premium waiver for up to 6 months; premiums fixed for the first 12 months; continuation option (first spouse can take over the policy); free rewards programme.

Sources: 1life.co.za/...eral-insurance/funeral-cover.

Checked on 30 September 2026 against 1Life's official website. Numbers change, so confirm on the linked page before you call. 1Life will never ask you to pay a claim fee or send money to a new bank account; if a caller does, hang up and phone the official number.

Sources: 1life.co.za/contact, 1life.co.za/claims.

1Life lists these included benefits: a R5 000 headstone benefit, a repatriation service for all policy members, a R6 000 grocery benefit if the main member dies, a premium waiver for up to 6 months, and a continuation option so the first spouse can take over the policy. Premiums are fixed for the first 12 months. The repatriation service covers moves from any SADC country to South Africa.

No cash back or premium payback is listed. Instead 1Life offers a free rewards programme.

The example premiums, R290, R320 and R383 a month, depend on the risk profile of the family. 1Life says buying online saves 40% on monthly premiums. Ask for a written quote for your own family, because your premium depends on who you add.

Accidental death is covered as soon as you take out the policy and 1Life receives the first premium. For natural death 1Life asks for 6 completed months and 6 paid premiums. Both conditions must be met, so keep paying on time.

The law also says a funeral policy may not impose a waiting period longer than six months for natural death, and none may apply to accidental death. A new insurer may not impose a waiting period if you had a previous policy with another insurer at least 31 days earlier, covering similar risks and the same lives, and you had completed that waiting period. Tell 1Life about your old policy. You may also cancel a new policy within 31 days of receiving the policy information, if no benefit has been paid or claimed.

Upload the documents online, email [email protected], or phone 0860 10 51 96. A claims consultant responds to a submitted claim within 24 business hours. 1Life asks for:

• A certified copy of the death certificate.
• A notification of death form (DHA 1663), from funeral parlours or traditional leaders.
• A certified and valid identity document of the deceased.
• A certified and valid identity document of the beneficiary.
• A certified bank confirmation letter or 3 months of bank statements of the beneficiary.

If the death is unnatural, you also need a completed police report. A claims consultant sends you the form.

1Life says valid claims are paid into your bank account within 48 business hours of approval.

ASISA, the industry body, says the main reasons funeral claims are declined are waiting periods, fraud and unpaid premiums. Ask 1Life for the reason in writing. You can call its resolutions officer on 0860 10 54 31.

An insurer may not turn down a funeral claim for non-disclosure of information it did not specifically ask for before the policy started. If you are still not satisfied, take it to the National Financial Ombud Scheme. The service is free. You can lodge a complaint at nfosa.co.za/submit-a-complaint/, call 0860 800 900, or email [email protected]. Trying 1Life first is sensible, but it is not a legal requirement. The Ombud can dismiss a complaint after three or more years.

1Life suits families who want a single policy for a spouse, children and extended family, with published limits on who can be added and with cash benefits for a headstone and groceries. It suits people who are happy to buy online or by phone.

It suits you less if you want cash back on premiums, because none is listed. Compare a written quote with other providers on our compare funeral cover page, and see our Clientèle page, since both are now in the same group.