Medical aid cover and member services for public servants
Different Life
A South African life insurance provider for individuals to calculate cover needs, get quotes, buy policies online, and manage life, funeral, disability, and salary protection cover.
Different Life Product Overview
Is Different Life Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- South African individuals
- Online policy buyers
What It Does Well
- Cover needs calculator
- Online quotes
Things to Check
- Charity donation mechanics
- Underwriting requirements
About Different Life

Different Life is a South African life insurance provider and distributor for individuals who want to buy and manage long-term insurance online, including life cover, funeral cover, disability cover, salary protection, and critical illness cover.
Key capabilities include:
- Online quotes and cover calculator to estimate required death, disability, salary protection, and critical illness cover and calculate indicative pricing in minutes.
- Digital purchase and distribution via a fully transactional website (with a contact centre option) to take out cover without in-person paperwork.
- Self-service policy dashboard to manage policies online, including updating banking details, adding beneficiaries, requesting cover top-ups, and accessing policy documents.
- Different Donation that donates the first premium and every anniversary premium to a customer-selected charity on Different.org, at no extra cost and without affecting cover.
Different Life is an authorised Financial Services Provider (FSP 45453), and policies are insured by Old Mutual Alternative Risk Transfer Limited (OMART LIFE), a licensed life insurer.
Available on Web.
Targeted at South African consumers looking for personal life insurance and related protection products, including accident-only variants of some covers.
It is notable in the South African insurance market for linking long-term insurance premiums to annual charitable giving through Different.org while keeping the core buying and servicing journey online.
Different Life Facts
Liners compiles product facts from official websites, app stores, documentation, trusted public sources, and details shared by product teams during editorial review. We also consider crowdsourced updates when they include verifiable evidence, and refresh facts as information changes. How we source dataRecent Reviews for Different Life
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Frequently Asked Questions About Different Life
Different Life is a South African online life insurance provider that lets you calculate your cover needs, get quotes, buy policies, and manage life, funeral, disability, salary protection, and critical illness cover through its website. You choose your cover type and amount, complete the application online, then manage your policy in a self-service dashboard, and the first premium and every anniversary premium are donated to a charity you select via Different.org at no extra cost to you.
Different Life charges paid premiums for its insurance policies, and the cost depends on the type and level of cover you choose (for example, life, disability, funeral, salary protection, or critical illness). You can see indicative pricing by using the online cover calculator and quote tool on the website; there are no publicly listed fixed pricing tiers.
Different Life operates in South Africa. Its products are described as available across South Africa, with no indication of availability in other countries.
You can sign up by visiting the Different Life website, using the online calculator to determine your cover needs, then following the on-screen steps to get a quote and complete the application to take out cover. Once your policy is issued, you can register or log in to the self-service policy dashboard to manage your details, beneficiaries, and documents.
Different Life does not have a mobile app for Android or iOS. You access its services through the web platform in your browser.
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