Legal
Terms of Service
Last updated: 2026
These terms govern your use of this website, operated by Covered Life, a division of Covered Financial Services (Pty) Ltd, an authorised Financial Services Provider (FSP 54871) ("CoveredLife", "we", "us"). By using this site or submitting a quote request, you agree to these terms.
Who we are
CoveredLife.com is an independent website created to help customers find the most suitable protection insurance policy. We do not provide financial advice ourselves. We work with FSCA-regulated businesses who search and compare policies from leading South African insurers.
Our quotation service
Requesting a quote through this website is free and places you under no obligation to purchase any policy. Quotes and information provided through the site are estimates; final terms, premiums and underwriting decisions are set by the relevant insurer and confirmed FSCA-authorised adviser.
Accuracy of information
You agree to provide accurate and complete information when requesting a quote. Inaccurate information may affect the cover, premiums, or claims decisions offered by an insurer.
Policy terms and conditions
Benefits, eligibility, underwriting, limits, exclusions, and cashback conditions are subject to the applicable policy terms and conditions issued by the relevant insurer, not by CoveredLife.
Changes to these terms
We may update these terms from time to time. Continued use of this website after changes are posted constitutes acceptance of the updated terms.
Contact us
If you have questions about these terms, please get in touch via our Contact page.