Life Insurance. Quoted Instantly.

Get an instant life insurance quote and compare cover designed around your health, your needs and your budget.

4.9/5

Independent Reviews

No obligation • Takes a few minutes • Chronic conditions welcome

Think life insurance will be too expensive? Check first.

Whether you're healthy, living with a chronic condition, have previously been declined, or simply think you're paying too much, CoveredLife helps you find a better-fit life insurance option.

Independent Advice

We don't push products - we help you understand them. Always tailored to your specific needs and budget.

No Fees

You'll never be charged for our advice. If we don't help you find the right cover, we don't get paid.

Absolute Protection

We make sure your cover matches your actual risk, avoiding any nasty surprises when you need it most.

3 Steps to Confidence

Getting protected is easier — and more important — than you might think.

Start your quote

Fill in basic details and speak with one of our FSCA-authorised advisers.

Secure your policy

We research the whole market and present tailored, impartial options.

Be confident

Assurance that you have made the best decision for your future.

Insurance for you or your business...

Director

Relevant Life Insurance for Directors

This type of policy can provide a complete tax-free solution to life insurance for company directors where both the premiums and the lump-sum payment are tax-free.

✓Relevant Life Insurance is a way of providing death-in-service benefits on an individual basis.
✓Premiums are not classed as a benefit-in-kind.
✓Payouts are typically free of inheritance tax when written in trust.

Director

Executive Income Protection

Pays out a regular monthly benefit should a company director become too ill or injured to work. Popular with contractors and directors.

✓Covers up to 80% of income (wages or dividends).
✓Tax-efficient way for small business owners in South Africa to protect earnings.
✓Premiums are typically paid by the company.

Group

Business Health Insurance

Ensures directors and employees can seek expert medical attention promptly, helping them return to work as soon as possible.

✓Access to 24-hour GP services.
✓Faster access to specialists and treatments than the public health system.
✓Excellent employee retention and recruitment tool.

Personal

Life Insurance

Provides a one-off tax-free lump-sum payment in the event of your death during the fixed term of the policy.

✓Protects families from financial hardship.
✓Can be used to pay off mortgages and debts.
✓Peace of mind for your loved ones.

The Covered Life Promise

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Independent Advice

We connect you with advisers who compare life insurance providers across the whole South African market. We're not tied to any insurer, so you see genuine options.

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No Fees

You'll never be charged for advice. Your adviser is paid by insurers only when they find you the right cover.

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Absolute Protection

Your policy is structured correctly and matched to your actual risk, so there are no nasty surprises when you need it most.