Disclaimer

Everything on LifeQuotes.co.za — including our guides, calculator and comparison content — is general information for a South African audience. It does not take your personal circumstances, objectives or financial needs into account and is not advice as defined in the Financial Advisory and Intermediary Services Act (FAIS). Speak to an FSCA-licensed advisor before you buy, switch or cancel any policy.

Premium ranges, savings percentages and calculator outputs are illustrative estimates based on typical market pricing. They are not quotes and not offers of cover. Your actual premium depends on your age, health, smoker status, occupation, income and the cover you select, and is set by the insurer after underwriting.

We are a comparison and referral service. We are not an insurer, we do not underwrite risk, we do not issue policies and we cannot pay or decline claims. Any policy you take out is a contract between you and the insurer, governed by that insurer's terms, exclusions and waiting periods.

Insurer names referenced on this site are used for identification and comparison purposes only. Their appearance does not imply endorsement, partnership or that a quote from that insurer is available for your specific profile.

Where we link to external sites we do so for reference. We do not control their content and accept no responsibility for it.

Product rules, tax treatment and pricing change. We review our content regularly, but we cannot guarantee that every figure reflects the position on the day you read it. Always confirm the current terms with the insurer or your advisor.