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Welcome to Different Life

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What is Different Life?

Different Life is a licensed Financial Services Provider (FSP 45453) distributing various life insurance products, including life cover, funeral cover, disability cover, salary protection, critical illness protection and accidental products, across South Africa. These products are insured by Old Mutual Alternative Risk Transfer Limited (OMART LIFE), a licensed Life Insurer. Our unique “Different Donation” feature donates your first premium and every anniversary premium to a charity of your choice on Different.org at no extra cost, taking the grudge out of life insurance.

Key Benefits

  • Licensed FSP (45453)
  • Products are insured by Old Mutual Alternative Risk Transfer Limited (OMART LIFE), a licensed Life Insurer
  • All our customers have the opportunity to make a difference by joining Different.org and donating their first premium every year to charity
  • Comprehensive cover: life, disability, critical illness, salary protection, funeral cover, accidental products
  • Online calculator and self-service policy dashboard

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Our Products

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What our clients say

"

I would like to express my deepest gratitude to Different Life for honoring the payout of my claim 100%. After the loss of my husband… with heartfelt compassion and empathy, the team did everything they could to assist me… they are true to their word.

- Abby S

"

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Join Different.org and change the world

Your Different Life policy can help change South Africa. How? Join Different.org and your first payment of every year will go to a charity of your choice on different.org. It costs you nothing extra and doesn’t affect your cover in any way.

Visit Different.org

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Life Insurance Calculator

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estimates in minutes with our insurance calculator

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Why Life Insurance?

Life insurance lets you look after your loved ones even you are not there to do so.
But who needs life insurance and how much?

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Making Life Insurance easier

We use technology to make buying and managing your long term insurance policies
straightforward and easy to use

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Everything you need to know

  • What makes Different Life different from other insurers?

    Different Life donates your first annual premium to a charity of your choice through the Different Donation program via Different.org. We are an authorised financial services provider (FSP 45453), with all policies underwritten by Old Mutual Alternative Risk Transfer Limited (OMART).

  • What types of insurance does Different Life offer?

    Different Life offers life cover, disability cover, salary protection, critical illness cover, and funeral cover. Accident-only variants of life cover, disability cover, and salary protection are also available. All policies are underwritten by OMART and available across South Africa.

  • How does the Different Donation work?

    Your first annual premium payment goes directly to a charity of your choice via Different.org, at no extra cost to you. Every anniversary payment thereafter is also donated. This is what makes Different Life different - your insurance gives back every year.

  • Is Different Life a licensed insurance provider?

    Yes. Different Life is an authorised Financial Services Provider licensed by the FSCA (FSP 45453) for long-term insurance categories A and B. All products are underwritten by Old Mutual Alternative Risk Transfer Limited (OMART), a licensed long-term life insurer.

  • Can I manage my policy online?

    Yes. Different Life offers an online calculator for quotes and a self-service policy dashboard where you can update banking details, add beneficiaries, request cover top-ups, and access documents - from anywhere in South Africa.

Different Life Insurance Products

Insurance TypeCoverageKey BenefitIdeal For
Life CoverDeath benefit payoutFinancial security for dependentsBreadwinners with families
Disability CoverDisability income payments if unable to work due to a qualifying disabilityMaintains lifestyle during disabilityWorking professionals
Critical IllnessLump sum on diagnosisMoney to be used for lifestyle adjustments and/or recovery following diagnosis of a critical illnessAnyone wanting health protection
Salary ProtectionMonthly income during illness/injuryCovers living expensesEmployees and self-employed

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