Life Insurance 101

Life Insurance shouldn’t be complicated.

But in today’s competitive markets there are so many options to choose from.

At Different Life we’ve tried to make insurance products as easy to understand as possible. So If you are currently considering any long-term insurance products we have developed these pages to help you through the process.

So where to begin?

Below is our easy to use insurance calculator, why not try it to get a sense of what your long term insurance needs might be?



Interesting articles on life insurance

The impact of unpleasant surprises after death
To ensure you leave a positive legacy to your family it is important to plan appropriately. With the appropriate life insurances you can account for all of the financial responsibilities which exist beyond your passing. read more »
Why do I need Life Insurance over 50?
Let’s look at some of the benefits life insurance will give you - even at later stages in your life - as well as problems you may encounter if you do not have life insurance. read more »
Getting your finances in order
By considering a few critical factors, you can make sure you and your family are prepared for any eventuality. The specifics of each person’s finances may be different, but some general rules apply. We have composed a list of tips to help you get your finances in order. read more »
School fees - One less thing to worry about
A life insurance policy can ensure that, should you unexpectedly pass away or become unable to work due to injury, you can still provide for the education needs of your children. read more »
Is Life Insurance worth buying?
Is Life Insurance Worth Buying? In the instances where a person has no dependents, and enough assets to cover their debts and the various costs and taxes incurred on death, or sufficient assets to cover all these costs and provide for dependents, then life insurance may be an unnecessary expense. For most of us this is not the case or may only become the case much later in our lives. Life insurance offers us security and confidence that we can provide for our loved ones in any eventuality. read more »
Life Insurance with medical conditions
Often people assume that an existing condition excludes them from getting life cover. Fortunately, this is not the case, and most people in South Africa will be able to get some level of Life Cover. There are, however, some important things to understand about Life Insurance with medical conditions. read more »
Think you might need Life Insurance? Here are some questions to ask yourself.
Do you ever ask yourself, "Do I need Life Insurance?" or "How much Life Insurance do I need?", or "If I were to die how would my dependants survive without my income?" Here we list a few questions you can ask yourself to see if you need Life Insurance, and offer further related information. read more »
Things I wish I’d known before buying a house
Buying a house isn’t something you do every day, so when the time comes, it helps to have some inside information. read more »
A Few Questions to Help You Plan For Your Pregnancy
Although this list of questions may seem daunting at first, if you give yourself enough time to work through these questions, you should be sorted by the time your baby is born. read more »
Baby on the Way? How to Beat Budget Blues
Ask someone who has kids for advice, and most likely you’ll hear: “Your life will never be the same again.” But that statement is almost always quickly followed by: “But it’s so worth it!” If you’re having your first child and up until now, haven’t had to provide for anyone but yourself, there will be some big changes - especially in the way you spend your money. But with some careful planning, you won't be caught off guard. We compiled a list of things to help you get started. read more »