South Africans Are Quietly Switching to a Better Kind of Life Insurance

South Africans Are Quietly Switching to a Better Kind of Life Insurance - Dis-Chem Life
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South Africans are quietly switching to a better kind of Life Insurance
For South Africans born between 1962 and 1990 with families to support, the question isn’t whether life insurance matters — it’s whether you have enough. A growing number of families are finding out they don’t have enough for their loved ones to survive.
The next 2 minutes will tell you where you stand.
More South African families, including those managing chronic conditions, are protecting their loved ones with cover priced for their real health.
Here’s a question worth asking yourself: if your salary stopped tomorrow, what would happen to your family’s home, your children’s school fees, the people who depend on you? Most South Africans haven’t done that maths — and the ones who have are often surprised by what they find .
What Cover Do I Qualify For?
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A 2025 study by ASISA found that the average South African earner has about R800,000 in life insurance — but actually needs around R2.1 million to keep their family financially secure.
That’s a R1.3 million gap . For most families, that’s the difference between keeping the home and losing it.
Closing that gap is easier than most people think. With Dis-Chem Life  — underwritten by Guardrisk Life Limited (FSP 76)  — you can get a personalised quote in minutes, qualify for up to R10 million in life insurance and lock in premiums priced for your actual health profile.
What’s actually included:
1. Up to R10 million in life insurance . Enough to clear a bond, settle remaining debts, and keep your family financially secure for years — not just the next six months.
2. Premiums priced for your actual health profile. Dis-Chem Life uses your real health data to price your premium — not a one-size-fits-all rate that overcharges healthy people to subsidise riskier ones.
3. Chronic conditions welcome. People managing diabetes, hypertension, HIV, asthma, or high cholesterol can qualify for meaningful cover at fair premiums. Most insurers either reject these applications or quote unaffordable rates. Dis-Chem Life doesn’t.
4. No new exclusions if your health changes later. Once you’re accepted, your cover holds — even if you’re diagnosed with a new condition down the line. Your policy doesn’t quietly get worse.
5. Quick, fair claims through Guardrisk. Dis-Chem Life is underwritten by Guardrisk Life Limited (FSP 76), one of South Africa’s most established life insurers. Valid claims are paid quickly so your family isn’t left waiting at the worst possible time.
Check My Cover Gap
Takes under 2 minutes. No obligation.
Optional Life Cover Add-ons
Income Protection
Disability Cover
Critical Illness Cover
Education Cover
Whether you’re 35 or 65, the maths is the same.
The longer you wait, the more you pay — and the harder it gets to qualify. South Africans in their 30s lock in the lowest premiums for life . Those in their 40s use cover to protect everything they’ve built — the bond, the family, the people who depend on them. And for South Africans in their 50s and 60s, Dis-Chem Life is one of the few insurers that still says yes to chronic conditions and prices premiums fairly .
Whatever your age, the question worth answering is the same: do you have enough?
Get Your Quote in Minutes
Takes under 2 minutes. No obligation.
Why Act Now
The sooner you apply, the lower your premiums will be and your cover starts immediately after your first payment.   It only takes few minutes to get a personalised quote.
Request a free quote
Takes minutes. For SA citizens 18–65.
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Terms and conditions apply. Dis-Chem Life is an authorised financial services provider – FSP 50594. Products are underwritten by Guardrisk Life Limited, an authorised financial services provider (FSP No 76) and a licensed life insurer. Life Insurance premiums are risk profile dependent, subject to change and are not guaranteed. Premium comparisons done on a like for like comparisons against most major insurers on 1 January 2025. Testimonials come from actual clients, pictures are not of actual clients to protect their identity & they do not constitute financial advice. Cover amounts are subject to underwriting, and granted on a case by case basis. Funeral and Protector cover increase are guaranteed for 3 months. Thereafter, the increase depends on the health check outcome. The Better Rewards programme is a loyalty programme offered by Dis-Chem. Better Rewards is not an insurance product and a non-insurance benefit and not offered by Guardrisk Life Limited.
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