Frequently asked questions


Different Life is registered with the Financial Services Board (FSB) as a financial services provider (FSP45453) and has set its sights on revolutionising the life insurance sector by providing high calibre insurance products while also playing a significant role in making a tangible difference in ordinary South Africans’ lives.

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Different Life is registered with the FSB as a financial services provider (FSP45453). As one of the FSP licence conditions, Different Life is required to periodically report to the FSB on, amongst other things, its financial performance, operational capability as well as compliance considerations. Different Life is not a long-term insurer and the Different Life products are underwritten by OMART.

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Different Life offers the following life insurance products, all underwritten by OMART:

  • Life Cover – a lump sum amount (single payout) is paid to the beneficiaries should the insured person die. See our products page for more details on this product as well as available add-ons that allow you to tailor your Life Cover to meet your specific needs.
  • Disability Cover – a lump sum amount (single payout) is paid to the insured person should he be totally and permanently unable to perform his insured occupation due to a disability caused by illness or injury. See our products page for more details on this product and available add-ons.
  • Salary Protection – a monthly income is paid to the insured person should he be unable to work for a period of time due to illness or injury. See our products page for more details on this product and available add-ons.
  • Critical Illness Cover – a lump sum amount (single payout) is paid to the insured person should he be diagnosed with a stroke, suffer a heart attack, undergo heart surgery or be diagnosed with cancer. See our products page for more details on this product and available add-ons.
  • Accidental Products – If for any reason you don’t qualify for our primary products (Life Cover, Disability Cover and Salary Protection), you may still have the option to purchase the Accident-Only variations of these products

Yes, a variety of products can be bought simultaneously, or added to existing policies. Your policy can also personalised by selecting one of our add-on products

Cover commences on the Commencement Date in the policy document assuming that the first payment due has been made.

Different Life has streamlined the process to make it more convenient and less time-consuming for our clients to both get a quote and buy life insurance policies. Our online platform gives prospective clients the option of going through the process, end to end, at a time that is truly convenient to them – 24/7. This online process is supported by our experienced consultants who are available, via LiveChat, to respond to queries as you go through the online process. LiveChat support is available weekdays from 08h00 to 19h00 with an option to leave a message if query arises outside of the operating hours.

For those prospective clients who prefer to be taken through the process by humans then we have a team of experienced consultants who are standing by to assist on 010 020 1920 between 08h00 to 18h00 weekdays. Alternatively click on the LiveChat window located at the bottom right corner of this screen if you would like to be called back by one of these consultants.

Different.org is a crowdfunding philanthropy platform that has been set up by Different Life to, amongst other things, facilitate donations by policyholders to projects or causes of their choice, while also giving the policyholder the benefit of tracking the impact of their donations to the beneficiaries of their chosen project or cause. The first monthly payment on a Different Life agreement – anniversary payment – becomes a Different Donation which allows the policyholder to allocate the donation to a good cause of their choice on the Different.org platform. 100% of the donation is passed on to the policyholder’s chosen project or cause with overhead costs of running the platform all funded exclusively by Different Life.

The Different Donation is the first and every anniversary payment of the Different Life contract. It is loaded into the policyholder’s Different.org wallet and once cleared, this amount becomes available to donate to a project of the policyholder’s choice.

The Different Donation is collected directly into the bank account of Different Foundation NPC, a registered Public Benefit Organisation. From there it is allocated to the chosen project.

The Different Donation is the power behind Different Life helping you change South Africa.

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YES! There are two ways that this can be done:

  • Every time you refer a new policyholder to Different Life, you will be able to donate an additional monthly payment to a Different.org project or cause of your choice as soon as your referred policyholder makes their first payment.
  • Everyone is welcome to make a once-off donation directly to a project or cause of his choice through Different.org.

Different Life products are underwritten by Old Mutual Alternative Risk Transfer Limited (OMART). OMART is the Old Mutual Group’s cell captive insurer that allows partners like Different Life to offer products underwritten by an established long-term insurer. Because your benefits are guaranteed by OMART, you can be sure that any claims under your policy will be paid.

Different Life policies are underwritten by Old Mutual Alternative Risk Transfer Limited (OMART). Different Life in turn markets, distributes and services these long-term insurance products.

Premiums are calculated using several factors to determine your risk profile namely-age, gender, smoker status, health status and lifestyle considerations.

In the event that you do not pay your premium, Different Life will contact you to understand your situation before deciding on an appropriate action. Appropriate actions may include collecting the premium on an alternative date to the one nominated when the policy was originally taken, reducing cover where premiums have become unaffordable or suspending cover to allow policyholder’s financial position to stabilise. Please call our consultants on 010 020 1920 between 08h00 to 18h00 weekdays should you need to explore these options with regards to your existing policies.

An underwriter (OMART in the context of Different life products), is the registered long-term insurer that has the legal responsibility for ensuring that all policy commitments to the policyholder are met on terms and conditions stipulated in the policy document and that claims are ultimately paid to the beneficiaries.

A beneficiary is the person (natural or otherwise) who receives the pay out in the event of a claim payout.

The policyholders uses their discretion when deciding on the beneficiary or beneficiaries as well as payout proportions where a policy has multiple beneficiaries.

Making amendments to your policy can be done through calling our consultants on 010 020 1920 on weekdays between 08h00 and 18h00. A self-service option is under construction and will be made available to all our existing policyholders as soon as we are happy that it meets the high service standards our policyholders deserve.

Please send an email to claims@differentlife.co.za or contact our consultants on 010 020 1920 between 08h00 to 18h00 to register a claim. You can rest assured that all claims will be handled in a professional manner with sympathy and respect during your loved ones’ difficult time.

Little by little, a little becomes a lot

Tanzanian Proverb