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Life Insurance every South African Needs

Life insurance is an uncomfortable subject for a lot of people, but it is a very necessary conversation to have for the sake of your loved ones. At Isibaya Deals, we understand that taking care of your family is your top priority and are dedicated to finding the ideal provider for you. We work with the finest financial institutions that will put your family first.

Life Insurance Inclusions


Your life is important, so is your life insurance

For the family breadwinner, life insurance should be a requirement for the sake of their loved ones, who would be left behind. Death is still one of life’s inevitable occurrences that causes the most unimaginable pain that is only exasperated when a family is left in financial difficulty. With a life insurance policy, you can cover your loved ones with a lump sum payment. This payment can help to maintain your family’s needs, in terms of education fees, grocery bills, and much more. Don’t live a life daunted by fears for your family’s future. Life insurance is here to prevent that.

Types of Life Insurance Available

Here are the some of the plans you can choose for your family.

Traditional Whole Life Insurance

This type of life insurance covers you throughout your entire life or up to the age of 95. This means you will pay a fixed premium to the policy. In the event of your death, the insurance will be paid out to your elected beneficiaries. In addition, the policy provider will invest portions of your premiums into investments, which you can choose. These benefits give you even more reason to choose life insurance. That said, not everyone is keen on it - these life insurance premiums are usually higher than term life insurance policies.

Term Life Insurance Policies

With a term life insurance policy, you are covered for a fixed period. You have the option to choose a term of 10, 15 or 20 years. Based on the term you have chosen, you will pay fixed rate premiums into the cover. Should you pass away whilst your term is still active, your beneficiary will be paid out a lump sum. In the event that your term expires, you will forfeit the sum and will be forced to take out a new term. However, not all is lost; you can choose to extend your plan or exchange it for a new term policy, which means that you don’t lose any money!

Who is Covered In Your Life Insurance Policies

Just as there are different types of insurance, there are also different plans available to cover those dear to you.

Single Policies

A single life insurance policy is meant to cover a single individual at a time.

Parent Policies

With this policy, you can add your parents to your life insurance plan. This plan works out best for people supporting their parents.

Children Policies

Similar to a funeral plan, you can take out a life insurance policy for your child/children. Should they pass away, a lump sum will be paid out to the parent towards burial arrangements.

Joint Life Insurance

A joint life insurance cover means that you and your partner can take out a plan for the both of you. The spouse will automatically be the beneficiary and in the event where that one passes, a lump sum is paid out to the living spouse. In the event where that you both pass, your nominated beneficiary will receive the lump sum payment.

Types of Covers Available

We understand that no two people are the same, and sometimes what works for one person, might not work for the next person. Here are some of the different policies available for you to choose from.

Pre-Existing Medical Condition Cover

If you have been diagnosed with a medical condition prior to taking out life cover, you may think you are uninsurable. But there are options available. Certain providers are willing to offer life cover to individuals with already existing health conditions.

High-Risk Cover

This policy is for someone, who works in a dangerous environment, is a smoker or who has been smoking for the past five years, or has a history of substance abuse. If you are leading a dangerous lifestyle, you would be eligible for this type of cover courtesy of a number of providers.

Life Cover For People Over 50

Unfortunately, people over the age of 50 are usually deemed high risk, which makes it harder for them to get life insurance coverage. However, there are insurance plans available for people over the age of 50. Dubbed "pension covers", this type of plan will pay out a lump sum to your beneficiary in the event of your death. Don't let your age stop you from taking care of your family – get cover today!

Mortgage Policies

There is now cover is tailor-made to cover your mortgage. This means that after your death, your family will not be left with the serious debt of a mortgage. For individuals, who are the main breadwinners, a mortgage cover is an ideal contingency plan. This policy is also suitable for new homeowners, who are looking to cover every aspect of their finances for their family.

Make Your Life Insurance Policy Your Own

Always make sure that your chosen life insurance policy can cater to your family. Your needs and the needs of your family must always take priority over everything else at all times. Get in touch with Isibaya Deals to get the ideal life insurance cover that best suits your family.


1Life Insurance Limited is an authorised financial services provider (FSP 24769).