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Provider comparison · Updated May 2026
Momentum vs Clientèle
How Momentum and Clientèle compare on price, claims, products and rewards across the South African market.
Momentum edges Clientèle on customer rating.
| Feature | Momentum | Clientèle |
|---|---|---|
| Customer rating | ★ 4.5 | ★ 4.1 |
| Average premium | R710/pm | R150/pm |
| Claims turnaround | 72h | 48h |
| Pricing tier | Premium | Budget |
| Flagship product | Multiply Rewards | Funeral Plus |
| Product range | Life, Investments, Short-term, Health | Funeral, Life, Legal, Health |
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
Clientèle
Direct life and legal cover
Clientèle is a JSE-listed direct insurer offering funeral, life, legal and health policies via telesales and digital channels.
Strengths
- Fast funeral payouts
- Strong call-centre sales
- Legal cover specialist
Trade-offs
- Aggressive telesales reputation
- Limited short-term cover
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