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Different Life Insurance

Different Life Insurance offers a range of products ensuring you have the security you need at every stage of life. Are you ready to find out more?

Who is Different Life Insurance?

Different Life Insurance is a financial service provider backed by Old Mutual Alternative Risk Transfer Limited. You can purchase their products online or through their call centre to find out more about their coverage options.

But what sets Different Life Insurance apart?

Well, it’s not just about insurance; it’s about making a difference. When you become a Different customer, you have the opportunity to join and donate your very first premium payments to a charity in South Africa.


What Products Does Different Life Insurance Offer?

Different Life Insurance provides a variety of products to cater to your specific needs:

Life Cover

With Different Life Insurance, the payout from your life policy can be used in any way your beneficiaries choose. The insurance company can help settle personal or family debts like outstanding home loans. It can also cover medical bills, or contribute to tertiary education costs and school fees, among other things. This type of life insurance ensures that your family is taken care of and gets rid of any financial burden that could arise.

Salary Protection

Different Salary Protection Cover offers monthly payments to compensate for loss of income. This is if you’re unable to work in the same capacity for over three consecutive months due to a disability. These payments kick in after three months, providing financial protection during your incapacitation should you be the insured person. The cash value component is limited to 75% of your pre-tax income during the first year.

Critical Illness Cover

This product pays out the full cover amount if you’re diagnosed with a critical illness, suffer a stroke or heart attack, undergo heart surgery, or receive a cancer diagnosis, as confirmed by a Different Life medical officer.

Disability Cover

Different Disability Cover pays out the full cover amount if you’re permanently unable to perform your insured occupation or a similar one for which you’re suited based on skill, education, and training. The disability benefits ensure that life expenses are taken care of, however, it does not substitute regular income.

Accidental Products

If you don’t qualify for Different Life Cover, Different Disability Cover, or Different Salary Protection, there’s still an option: the Accident-Only products. These include Accidental Death Cover, Accidental Disability Cover, and Accidental Salary Protection Cover, providing coverage for accidental income protection.

Cancer-Only Critical Illness Cover

For those who don’t qualify for Different Critical Illness Cover, there’s an alternative – the Cancer-Only Critical Illness Cover. This product focuses solely on cancer-related diagnoses and treatment costs.


How Does Different Life Insurance Work?

Different Life Insurance is all about simplicity, affordability, and effectiveness. Their unique online platform leverages technology to provide life insurance products with a difference. The process is user-friendly, from getting a quote to purchasing a policy, making it easy for all South Africans to access a comprehensive range of insurance products with just a few clicks.

Now that you have a clearer understanding of what Different Life Insurance offers, it’s time to take action. To protect yourself and your loved ones, follow the online process to request a quote today by filling in our simple form.