Life Insurance

1st for Women has partnered with 1Life to bring you life Insurance products that is the answer to the life insurance needs of today’s modern women. These products will allow you to take care of those you love when tragedy strikes in a very personal way, and are available direct over the phone, in less than 20 minutes.

Whether you are the sole breadwinner, a contributor to your monthly household expenses, or a stay-at-home mom, with life insurance you can leave a legacy for your children, a future for your spouse, parents, in-laws and more than just memories for your siblings.

That’s why you need life insurance.


WHY CHOOSE 1ST FOR WOMEN?

Other insurers will approach you with cheaper premiums or supposed “better benefits”. If you ever find yourself in that situation, take a look at what great features and benefits life insurance through 1st for Women and 1Life offer you:

  • No paperwork – purchase this policy with a simple telephone call
  • 1st for Women offers up to R10 000 000 life cover for an affordable premium
  • Your cover won’t expire because it covers you for the whole of your life
  • We know that your family is important to you so you can add up to 10 beneficiaries to your policy
  • Your premiums remain fixed for the first two years
  • Unlike some insurers, we cover suicide after the first two years
  • Your life cover won’t decrease while your policy is active
  • Add disablement and dread disease cover to your policy, which won’t reduce your life cover amount if you claim
  • If you fall terminally ill and your life expectancy is less than 12 months, your life cover will be paid out to you while you are still alive
  • If you are getting married, having a child, buying a new home, or opening up a business, you may qualify to increase your cover amount without the need for further underwriting

PURE LIFE COVER BY 1LIFE

When it comes to life insurance, the younger you are and the sooner you start, the less you will have to pay in the long run. Most companies offer life insurance to employees, but did you know that very often your cover is dependent on your employment status? That means that when you leave the company, you will no longer be covered.

This is why we urge women to have your own life insurance policy in place.

1Life's Pure Life Cover offers two options: basic cover and elevated cover. With the basic cover option a lump sum of up to R200 000 will be paid out to the beneficiary of your choice, whilst the elevated cover option pays out from R200 000 upwards to the beneficiary of your choice.


1st for Women Basic
  • Covers you for the whole of your life
  • Covers you immediately for accidental death
  • Pays out a cash amount up to R200 000 to a beneficiary of your choice in the event of your death
  • Includes a terminal illness benefit – if you are diagnosed with a terminal illness and your life expectancy is less than 12 months, your cash amount will be paid out

1st for Women Elevated
  • Covers you for the whole of your life
  • Covers you immediately for accidental and natural death
  • Pays out the cover amount of R200 000 upwards, to a beneficiary of your choice in the event of your death
  • Includes a terminal illness benefit – if you are diagnosed with a terminal illness and your life expectancy is less than 12 months, your cash amount will be paid out

These two options allow you to choose which one will suit you, your family and your loved ones.


ADD VALUE TO YOUR CHOSEN LIFE INSURANCE POLICY

You may add extra value to your policy to make sure that your life is covered against every eventuality with our two additional benefits from 1Life: 1st for Women Disablement and 1st for Women Dread Disease.

1st for Women Disablement by 1Life


Occupation-based Disablement
  • Covers you immediately for disablement
  • Pays out the cover amount if you become permanently and totally disabled and unfit to work at your own or suited occupation
  • This product is a stand-alone, which means that if it is paid out, your other cover will not be affected
  • Includes the option to increase your cover amount when your circumstances change

Event-based Disablement
  • Covers you immediately for accidental disablement
  • Pays out a percentage of your cover amount depending on the kind of disability you suffer.
  • Event-based Disablement is a stand-alone product, which means that if it is paid out your other cover will not be affected
  • Includes the option to increase your cover amount when your circumstances change

Our aim is to ensure that you are better off. That's why with this product you can choose cover against disablement that leaves you unfit to work at your own or suited occupation, or cover for events that result in a form of disability.


1st for Women Dread Disease by 1Life

  • Covers you for the whole of your life
  • Pays a percentage of your cover amount, if you are diagnosed with a severe illness, such as cancer; undergoing a major heart operation; or organ transplant
  • Stand-alone, so if this benefit is paid out, your other cover will not be affected
  • Includes the option to increase your cover amount when your circumstances change

We offer cover that cares specifically about you. That's why if you become disabled and receive a full payout under your disablement benefit, we will pay the premiums for your other benefits to help keep your cover active during difficult times.


Disablement Premium Waiver

If you become disabled and the full cover amount of your Disablement benefit is paid out, this benefit pays the premiums of your 1st for Women Basic, 1st for Women Elevated, and 1st for Women Dread Disease, for a period of up to five years.


EXPO-SURE

Because we believe in ensuring that your best interests are protected your policy also includes Expo-Sure from 1Life. Expo-Sure ensures that you and your family have full access to confidential HIV testing and treatment within the critical 72-hour window period after accidental exposure. This greatly reduces the possibility of becoming HIV positive.

With Expo-Sure, you will be provided with:

  • Access to a 24-hour, 365 days per year care centre for HIV/Aids information, advice and counselling
  • Two blood tests for sexual assault, trauma and potential exposure cases
  • Antiretroviral therapy
  • The “morning-after pill”
  • STDs (sexually transmitted diseases) preventative medication (prophylaxis)
  • A counselling benefit of R3 000 for the patient and immediate family after a sexual assault-related incident
  • Lifelong phone-in advice and counselling for the patient.
  • In the event of accidental exposure, contact the Care Centre immediately on 0860 08 29 11.

*Life insurance products are underwritten by 1Life Insurance Limited, an authorised financial services provider (FSP:24769)

Click here to download the brochure


For more information call us on 0860 10 97 59.




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