Provider reviews
1Life Funeral Cover
By Lindiwe Khumalo · 5 min read · Updated 24 June 2026
- Underwriter
- 1Life Insurance
- Typical cover
- R10,000 to R50,000 per life
- Typical premium range
- From around R90 to R400+ a month for family cover
- Waiting period
- Usually 6 months for natural death, none for accidental
- How it is sold
- Direct by phone and online
1Life funeral cover is a direct funeral policy bought by phone or online, paying a cash lump sum of roughly R10,000 to R50,000 per life, with a waiting period of about 6 months for natural death, none for accidental death, and family cover available on a single policy. Its funeral plans pay a cash lump sum on death and can cover a family on a single policy.
1Life suits people who want a straightforward direct purchase. The figures below are indicative ranges only - confirm the current premium and terms with 1Life before you sign.
What 1Life offers
1Life funeral cover pays a cash benefit on death and can cover you, a partner, children and extended family. As a direct insurer, 1Life is bought over the phone or online. The company is also known for life cover, so you can hold funeral and life products together if you wish.
How 1Life funeral cover compares
Here is how 1Life funeral cover stacks up on the structural features that matter, stated in general, indicative terms.
| Feature | 1Life |
|---|---|
| Underwriter | 1Life Insurance |
| Typical cover range | About R10,000 to R50,000 per life |
| Natural-death waiting period | About 6 months |
| Accidental death cover | Covered from day one |
| Maximum entry age | Yes, on most family plans |
| Extended family option | Up to an age limit, varies |
| Cash-back / payback | Varies by plan - confirm |
| Payout time | Usually within 24 to 48 hours for a valid claim |
Figures are indicative - confirm current terms with the provider before you sign.
Indicative cover amounts and premiums
Cover typically runs from about R10,000 to R50,000 per life, with family plans bundling several people. Premiums often start around R90 a month and rise with cover and the number of lives. These are illustrative figures, not quotes.
Waiting periods
1Life generally applies a waiting period of around six months for natural death, with accidental death covered immediately. Read the policy so you know when each insured life's cover starts and what happens if the policy lapses.
Who it suits and pros and cons
1Life suits people comfortable buying direct and wanting a simple family plan. Pros: quick sign-up; family cover on one premium; option to combine with life cover. Cons: phone-based sales mean you must check terms yourself; premiums can rise; claims can be declined for non-disclosure.
How to claim and get a quote
To claim, contact 1Life quickly and submit the death certificate, IDs, policy number and bank details. For a quote, go directly to 1Life by phone or on its official website. We are an information site, not a broker - compare premium, cover and waiting period before you decide.
Frequently asked questions
How much is 1Life funeral cover?
Family plans often start around R90 a month and rise with cover and the number of people. Get a quote from 1Life for accurate pricing.
Does 1Life funeral cover have a waiting period?
Yes, usually about six months for natural death and none for accidental death. Confirm the exact period in your policy.
How do I contact 1Life to claim?
Use the official 1Life phone line or website and submit the death certificate, the deceased's ID, the policy number and the claimant's bank details.
Can I add my parents to 1Life cover?
Yes, most 1Life funeral plans allow extended family such as parents, up to an age limit and at an extra premium.
Is 1Life funeral cover good value?
It is convenient and competitive for family cover bought direct. Compare it against a few other plans to be sure on price and waiting periods.
Can I get life cover and funeral cover from 1Life?
Yes, 1Life offers both, so you can hold a funeral policy and separate life cover with the same insurer if it suits your needs.
