Cancellation 1Life: Step-by-Step Guide

What is 1Life

Overview

1Life is a South African life and funeral insurance provider offering subscription-style cover for individuals and families.

The company focuses on simplified applications, digital servicing and a range of life and funeral products tailored to common family needs.

Core services

Products include life cover with funeral benefits and standalone funeral plans that can include dependants.

1Life markets quick processing for certain claims and digital account management tools for policyholders.

How to cancel 1Life

Accepted cancellation methods

Cancellations must be done directly with 1Life either in writing (for example email) or by phone on a recorded line.

App-store or Google Play subscription cancellation does not apply for 1Life policies; you must cancel with the insurer. See 1Life guidance for details.

Step-by-step cancellation

• Prepare your policy number and ID details.
• Contact 1Life by email or call their recorded customer line to request cancellation.
• Ask for written confirmation of the cancellation date and keep that confirmation for your records.
• If you are within the cooling-off period, request a refund of any unused premium in writing.
• If unresolved, follow the insurer's complaints procedure (see disclosures for escalation options).

What happens when you cancel

Effective date and cover

Cancellation takes effect from the agreed cancellation date and cover ceases from that date.

No claims will be honoured after the cancellation effective date, so ensure the timing suits your needs.

Payments and account access

If payments are missed, cover can be suspended or cancelled, but premiums already paid are not refunded outside the cooling-off period.

Request written confirmation so you can verify debits have stopped and your policy status is clear.

Will I get a refund?

Cooling-off period (31 days)

If you cancel within the 31-day cooling-off period from receipt of your policy documents, you may receive a refund of unused premium provided no claim has been made.

Make your refund request in writing and keep proof of the cancellation date and communications.

Outside the cooling-off period

• Outside the 31-day period, premiums are generally not refundable, even if you cancel mid-term.
• Life insurance is treated as a risk product; premiums already paid remain with the insurer unless the cooling-off conditions apply.
• If payments were missed before cancellation, those premiums will not be refunded.

1Life plans and pricing

Pricing examples

Below are example plan prices and illustrative features. Exact premiums vary by age, cover amount and dependants.

Notes on pricing

These examples are illustrative and drawn from secondary pricing examples; official quotes may differ based on underwriting and your personal details.

For a personalised quote or to confirm current rates, contact 1Life directly or request a formal quotation.

Your consumer rights in South Africa

Cooling-off and disclosure rights

You have a 31-day cooling-off right from the date you receive the policy documents to cancel and receive a refund of unused premium if no claim has been made.

This is set out in 1Life's disclosures and applies to new policies on receipt of documentation.

Complaints and escalation

• You may lodge complaints with 1Life’s resolutions officer or manager under their complaints process.
• If the insurer does not resolve your complaint, you can escalate to the FAIS Ombud or the National Financial Ombud Scheme as applicable.
• Keep all documentation (policy number, ID, correspondence) when you escalate to an ombud or regulator.

Customer experiences

Positive feedback

Independent coverage notes and company materials highlight quick and simple application processes and fast funeral-claim payouts in many cases.

Industry reports have placed 1Life favorably on customer satisfaction indices in certain assessments.

Reported concerns

Some reviews and commentaries raise issues such as premium changes, disputes over claims and concerns about communication or sales practices.

These mixed experiences underline the value of reading your policy terms carefully and keeping clear records of all communications.

Documentation checklist

Essential documents

• Policy number and full policy documents (received from 1Life).
• Proof of identity (ID or passport) for the policyholder.
• Banking details and proof of debit order or payment history if relevant.
• Written cancellation request or copies of recorded call reference/details.

Optional supporting items

• Any claim correspondence or proof that no claim was submitted (for cooling-off refund eligibility).
• Copies of emails and confirmation receipts from 1Life.
• Notes of dates, times and names of staff you spoke to when cancelling.

Common mistakes

Assuming app-store cancellation applies

Many people expect to cancel via App Store or Google Play. For 1Life policies you must cancel directly with the insurer.

Relying on app-store cancellation can leave a policy active and debits continuing.

Missing the cooling-off window

Waiting beyond the 31-day cooling-off period eliminates the right to a refund of premiums already paid.

If you want a refund, act quickly and submit the cancellation in writing within the 31-day window.

Comparative recap

Quick comparison

How to use this recap

Use the table to check cancellation, refund and service expectations before you cancel or switch policies.

Request written confirmation and keep records to avoid disputes.

After cancelling

Immediate next steps

• Confirm in writing that debits have stopped and retain the cancellation confirmation.
• If you need ongoing cover, compare alternatives and arrange replacement cover before your 1Life policy lapses.

Where to get official information

For details on cancelling and what happens when you cancel, see 1Life’s cancellation guidance: 1Life - Cancel life cover.

For disclosure information and consumer rights, refer to 1Life’s disclosures page: 1Life - Disclosures.

Address

Correspondence address

Clientèle Office Park, Corner Rivonia & Alon Road, Morningside, 2196, South Africa.

Notes

Use the official correspondence address on policy documents for any written cancellation or formal notices.

If you need further company background, see the 1Life about page: About 1Life.