Life Cover Quotes

Get Free, No-Obligation Life Insurance Quotes Today

Looking for affordable life cover quotes in South Africa? We make it easy to compare multiple policies from top-rated insurers—online, fast, and free. Whether you're starting a family, buying a home, or planning ahead, life cover gives you peace of mind that your loved ones are protected financially.

What Is Life Cover?

Life cover, also known as life insurance, pays out a lump sum to your beneficiaries if you pass away. This payout helps your family settle debts, cover funeral expenses, and maintain their lifestyle in your absence.

Why Compare Life Cover Quotes Online?

Comparing quotes helps you:

• Find the most affordable monthly premiums
• Choose the right amount of cover for your needs
• Access special discounts or bundle deals
• Avoid overpaying for similar benefits

We work with South Africa’s top life insurance providers to help you find the best deal in just minutes.

What’s Included in a Life Insurance Quote?

When you request a life cover quote, you’ll typically get information on:

• Monthly premium based on your age, health, and lifestyle
• Cover amount (R100,000 to R10 million or more)
• Included benefits (e.g. terminal illness, disability)
• Waiting periods and exclusions
• Optional add-ons like income protection or critical illness cover

Frequently Asked Questions

1. How Much Life Cover Do I Need?

It depends on your financial obligations. A good starting point is 10 to 15 times your annual income, or enough to:

• Pay off your bond or debts
• Replace your income for dependents
• Fund your children's education
• Cover funeral and legal costs

2. Who Should Get Life Insurance?

You should consider life insurance if you:

• Support a spouse, children, or elderly parents
• Have debt or a mortgage
• Run a business or are self-employed
• Want to cover funeral costs or leave a legacy

3. Does Smoking Affect My Premium?

Yes. Smokers pay significantly more due to higher health risks. If you quit and stay tobacco-free for 12+ months, you may qualify for lower premiums.

4. How Long Does It Take to Get a Quote?

You can get a quote online in under 2 minutes. You’ll just need to provide:

• Your age and gender
• Your income and desired cover
• Basic health and lifestyle details

5. Can I Get Life Cover Without a Medical Exam?

Yes. Many insurers offer life cover with no medical exams, especially for lower amounts (e.g. under R500,000). However, full underwriting may be required for high-value policies.

6. Is Life Insurance Taxable in South Africa?

Generally, life insurance payouts are not taxable, unless the policy forms part of your estate and is subject to estate duty. It’s best to speak to a financial advisor for estate planning.

Compare Life Cover Quotes — It’s 100% Free

Some Life Insurers in South Africa

• Old Mutual
• Sanlam
• Discovery Life
• Momentum
• 1Life
• Liberty

Get multiple quotes, compare and apply online. No medical exam, no paperwork. Just peace of mind.

It Only Takes 2 Minutes to Protect Your Family

Don’t leave your family’s future to chance. Get free life cover quotes in South Africa now and choose the best life cover policy for your needs and budget.