Rating based on 15 reviews

Different Life Insurance

  • Affordable life insurance
  • Online life cover solutions
  • Fast application approval

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Different Life homepage
Author Different Life. Screenshot of Different Life website.
[Accessed February 6, 2023]

About Different Life

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 Services

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.

Different Life – Life insurance

  • Product Life insurance
  • Calculate and Customise
    Different life has an easy to use calculator where you fill in their required fields to customise your policy. They will email your resulting quote to you with an easy link to buy your cover.
  • Add extra benefits
    You are able to add all the extras you will need. They offer the additional protection of salary protection, disability or critical illness
  • Choose how to buy
    You can either buy your cover through the call center or online.

Benefits of Different Life

  • A company that makes a difference - Different life believes in making a difference. You first premium as well as your first premium for each year is donated to a charity of your choice. 
  • Live chat is available to answer any questions that you may have during office hours. If you are having difficulty with the website or just unsure where to start they will help you. 
  • My Policy Dashboard allows you to control your policy with the click of a mouse. You are in charge of your future
  • Log a claim - go on to the website and look for they type of claim you need to log. From there you can down load all the documents that need to be filled in as well as a list of all the additional documents needed. You can then email, fax or go into an office to log your claim. 

Get the best life insurance with Different Life

Different Life offers you the option of taking out accident-only variations of their coverage options.

If you don’t qualify for full critical illness cover, you may be able to take out cancer cover instead which offers up to R2.5 million cover. Their accidental death cover option will cover you for death as a result of injury and payout up to R5 million. Accidental income protection can cover your income for up to R45,000. Finally, they also offer accidental disability cover of up to R5 million.

If you are not sure which of these accident-only variations will suit you best, visit their website and chat with a consultant who will be able to advise you based on your specific circumstances and needs.

Apply For Different Life Cover online in just minutes

Different Life is one of the most straightforward, simple, and modern life insurance providers. You can quickly and easily complete your entire life insurance application online.  If you need a bit of help or have a question not already addressed on their site, you can use their LiveChat boxes which appear on every page of their site to chat with a consultant.

Referring a friend or colleague

In line with their commitment to donating all first and anniversary premiums to a charity of your choice, Different Life will also allocate a second premium to your charity of choice if you refer a friend or colleague.

Life Cover Add-Ons to consider

Salary protection cover: If you’re out of work for 3 months or more, this salary protection cover will payout 75% of your after Tax income and ensure that you’re able to cover your bills, debts, and medical bills. You can apply for this cover if you’re earning between R5,000 and R90,000.

Critical illness cover: if you’re diagnosed with a critical illness such as heart attack, stroke, or cancer, this cover will pay out a lump sum benefit that you can use to cover medical costs, living expenses, and to look after your family. This cover offers up to an R5 million payout.

Disability cover: if you become completely and permanently disabled due to illness or injury and are no longer able to work your disability cover will payout and help you cover the costs of adjusting to your disability, therapy, medical bills, debts, and other general expenses. You can access cover of up to R10 million.

Customer Reviews & Testimonials

March 2021

I'm happy my family is covered by Different life couldn't ask for a better quote and less time consuming than the rest also no paper work at all, made my life easier.

Jolanda F
— Kruger —

November 2020

Affordable and No hassles, really the best insurance I ever had , claims are also quick to pay out I haven't had long waiting periods and I had to claim twice already.

Ebo D
— Jansenville —

August 2020

I have a big family and thought insurance would cost me a houses price but with Different Life I have my whole family covered with so many benefits for such a small price.

Hadiya K
— Durban —

Different Life Contact

Physical Address

  • Building A, Bryanston Corner, 18 Ealing Crescent, Bryanston, Johannesburg Gauteng 2021 South Africa
  • Get Directions

Opening Hours

  • Monday 08:00 – 17:00
  • Tuesday 08:00 – 17:00
  • Wednesday 08:00 – 17:00
  • Thursday 08:00 – 17:00
  • Friday 08:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed