Frequently Asked
Questions
About Our Service
Is CoveredLife an insurer?
No, we're an independent comparison service. We connect you with FSCA-authorised advisers who compare policies across South Africa's leading insurers.
How do you make money?
We don't charge you anything. Advisers we work with are paid by insurers only when they successfully arrange cover for you.
Is advice really free?
Yes, completely. There is no charge to get a quote, speak to an adviser, or compare policies.
Getting a Quote
What information do I need?
Typically your age, general health, occupation, and the type and amount of cover you need.
How long does it take?
Most customers can get a comparable quote within a few minutes online or over the phone.
Does getting a quote affect my credit score?
No, getting a life insurance quote does not involve a credit check.
Cover & Eligibility
Can I get cover with a health condition?
In most cases, yes. Our advisers work with insurers who specialise in a wide range of pre-existing conditions.
What's the age range for cover?
This varies by product, but many of our policies are available from 18 up to 85, including guaranteed acceptance options for older applicants.
Claims
How do I make a claim?
Contact your adviser or insurer directly, who will guide you through the required documentation and next steps.
How long do payouts take?
This varies by insurer and the complexity of the claim, but straightforward claims are often settled within a few weeks.