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Provider comparison · Updated May 2026
Momentum vs Stangen
How Momentum and Stangen compare on price, claims, products and rewards across the South African market.
Momentum edges Stangen on customer rating.
| Feature | Momentum | Stangen |
|---|---|---|
| Customer rating | ★ 4.5 | ★ 4.2 |
| Average premium | R710/pm | R140/pm |
| Claims turnaround | 72h | 48h |
| Pricing tier | Premium | Budget |
| Flagship product | Multiply Rewards | Direct Life Cover |
| Product range | Life, Investments, Short-term, Health | Life, Funeral, Disability |
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
Stangen
Direct life insurance, no medicals
Stangen is a Liberty-group direct life insurer offering simple, no-medical life cover via online and telesales channels.
Strengths
- No medicals up to R3m
- Simple online application
- Fast underwriting
Trade-offs
- Life-only product set
- Limited rider flexibility
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