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Provider comparison · Updated May 2026
1Life vs Sanlam
How 1Life and Sanlam compare on price, claims, products and rewards across the South African market.
Sanlam edges 1Life on customer rating.
| Feature | 1Life | Sanlam |
|---|---|---|
| Customer rating | ★ 4.4 | ★ 4.5 |
| Average premium | R195/pm | R740/pm |
| Claims turnaround | 48h | 72h |
| Pricing tier | Budget | Premium |
| Flagship product | Pure Life Cover | Cumulus Echo |
| Product range | Life, Funeral, Disability, Credit Life | Life, Investments, Retirement, Health |
1Life
Life cover made simple
1Life is a Telesure-group direct life insurer that pioneered fully online life cover in South Africa, focused on simple risk products.
Strengths
- Online life cover in minutes
- No medicals up to R5m
- Transparent pricing
Trade-offs
- Life-only focus, no short-term
- Limited rider options
Sanlam
Wealthsmiths
Sanlam is a JSE-listed diversified financial services group and one of South Africa's largest life insurers, founded in 1918.
Strengths
- Top-3 SA life insurer
- Reality rewards programme
- Strong adviser network
Trade-offs
- Adviser-led model
- Short-term via MiWay subsidiary
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