The emergence of 1LifeDirect is part of a new generation of companies
offering life assurance in South Africa. The overall aim is to provide
affordable life cover without compromising on quality, thus offering value for
money for anyone wishing to insure their lives or the lives of their loved ones.
It's one of the insurance companies that firmly believe in cutting out
potentially expensive intermediaries and going directly to the consumer. This
eliminates unnecessary broker fees and other administrative costs, and helps to
make quality insurance affordably available to more people.
1LifeDirect also offers fee rebates, which are made possible by the
savings allowed by the aforementioned elimination of intermediary costs. The
company's entire operation is geared towards avoiding unnecessary costs. There
is a quick and efficient process of applying for insurance, where consumers
communicate directly with the company's call centre agents, who are well-trained
and completely versed in explaining the products on offer, and helping potential
clients to make the best decisions they can. Applications can also be submitted
on the Internet, and you will receive an immediate no-obligation quote, without
having to pay for it, and without the need to engage in a lengthy consultation
process. There is also no need for time-consuming and costly medical testing, so
no matter who you are, you can swiftly arrange life insurance that is tailored
for your specific individual needs. By getting rid of so many of the outdated
procedural requirements, 1LifeDirect can further keep costs down.
There are two central products on offer. Firstly there is pure life cover.
This comprises two straightforward life assurance packages, which pay out to
beneficiaries upon the death of the insured person. There is 1Life Basic, which
can be taken out for a person's lifetime, or for a specific time period. It
includes cover for terminal illness, and will pay out for accidental death
immediately on inception. It is what's known as a "level sum insurance product",
which means that the insured sum never decreases over the life span of the
policy. 1Life Elevated is the same, except that it also offers a guaranteed
insurability option that allows you to increase your cover amount as your
The other product is credit Life cover. This provides payout cover on your
outstanding debts at the time of death, as well as if you are retrenched.
Together, 1LifeDirect's direct consumer approach and simple, quality products
make it a clear winner.
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