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Provider comparison · Updated May 2026
Momentum vs 1Life
How Momentum and 1Life compare on price, claims, products and rewards across the South African market.
Momentum edges 1Life on customer rating.
| Feature | Momentum | 1Life |
|---|---|---|
| Customer rating | ★ 4.5 | ★ 4.4 |
| Average premium | R710/pm | R195/pm |
| Claims turnaround | 72h | 48h |
| Pricing tier | Premium | Budget |
| Flagship product | Multiply Rewards | Pure Life Cover |
| Product range | Life, Investments, Short-term, Health | Life, Funeral, Disability, Credit Life |
Momentum
Long-term financial wellness
Momentum is a diversified financial services group offering life, investments, short-term insurance and Multiply rewards.
Strengths
- Strong life and investment offering
- Multiply rewards programme
- Holistic advice
Trade-offs
- Short-term insurance secondary focus
- Broker-led model
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
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