Different Life Insurance

Different Life is a niche life insurance service provider underwritten by Old Mutual Alternative Risk Transfer Limited. 

They offer life insurance, salary protection, dread disease, and disability cover as well as a tailored accident-only variation of any of these four products.

Doing things differently

While most insurance providers claim to be different, Different Life can really back the claim up. They believe that you should feel good about life cover and have found a way to make that happen.  When you take out life insurance with them, they pay your first and all subsequent anniversary premiums to a charity of your choice via the Different.org website.

Whether you want to support programs helping disabled children access the resources they need, support South African youth or get behind a wildlife conservation project, the choice is yours.

Simplicity is key to Different Life’s services

Their products are highly customizable and they like to keep things simple – which means you’ll know exactly what you’re getting and why without any hassle or strain. In fact, it’s this level of simplicity and transparency that makes them unique. Clients enjoy the ease and speed at which things happen and their simple product offerings and easy-to-use policy management system.

Different Life offers life insurance that is simple, affordable and allows you to give back.

Their life insurance cover ranges from R100,000 to R10 million – cover that can be tailored to suit your financial needs. In the event that you pass on, your family will be able to cover major debts such as a car loan or bond and cover future education costs, or simply cover their day-to-day living expenses.

All Different Life policies are underwritten by Old Mutual and, you will therefore have to answer questions related to your education, occupation, lifestyle, and habits before your cover amount and premiums will be set. 

Combining products to suit you

You can combine products to meet your precise needs and desired level of cover. For instance, you can take out R1 million life cover and add critical illness and disability cover. You can then enjoy the peace of mind that you and your family are covered – no matter what comes along down the road.

Funeral cover benefit for you

Different Life does not offer separate funeral cover quotes but allows you to add an accelerated funeral cover benefit to your life insurance policy. This will pay out a set amount to your beneficiaries to cover the cost of a funeral within 48 hours of claim approval.

Different Life has a “guaranteed Insurability Benefit” available which will allow you to increase your cover by 25% when and if the need arises without having to go through the underwriting process again.