Life Insurance for South Africans

When South Africans are being overcharged for life insurance, we step in to help — for free.

ConsumerAdvice exists to help people like you cut through the confusion and find life cover that’s fair, simple, and affordable.

We work with a trusted panel of insurers who tailor quotes based on your needs — not what’s best for them. Our goal is to help you avoid overpaying and get the cover that actually makes sense for your life.

Everything we do is designed to be safe, secure, and pressure-free. You can compare options without having to commit upfront.

We’re here to help. We’ll listen. We’ll guide you to the right cover.

Most South Africans Are Overpaying for

Life Insurance - Find Out If You're One of Them?

Who is Consumer Advice?

Good to know...

Life insurance can be confusing, so we worked hard to make it simple. If you still have questions, complete our quick quiz and a friendly consultant will give you a call.

Who can apply for coverage?

South Africans between 19 and 59 years of age can apply.

Why get life insurance?

Losing a parent or guardian is not something anyone wants to experience. However, losing a parent plus everything that parent used to pay for - at the same time - is just unthinkable.

Life insurance is the safety net your family really needs. They can keep the house, the car, kids can still go to school or university and outstanding debts can be settled. This eases the financial burden of your family losing you, so their lives can carry on even if you are sadly not a part of it.

Will you be around in 40 years?

Absolutely. Since its inception in 2012, the company has grown to become the largest single provider of life insurance & wills in the country. It has more than 250,000 clients, ten offices across the country in each of the major cities, more than 350 staff and 5,000 supporting financial advisors. Our life insurance is issued by the leading life insurers in Mzanzi & underwritten by Guard Risk, who have been around for more than 35 years!

Why is ConsumerAdvice Insurance so much more affordable?

We’ve made life insurance simple and affordable by cutting out unnecessary costs. Our digital process means no paperwork, no waiting, and often no medical exams. By streamlining the process and focusing on what matters most – protecting your family – we’re able to offer significantly lower premiums compared to traditional insurers.

How much does life insurance cost through ConsumerAdvice?

Policies start around R129 per month. Premiums are based on the coverage amount you choose, as well as your age, lifestyle & health profile.

Will I need to do a medical exam?

It depends. In some cases, you might be asked to do a quick medical exam to help our partners give you the best price for your coverage. In most cases no medical exam will be required.

Why ConsumerAdvice?

ConsumerAdvice was founded with a mission to create the South Africa's most loved insurance brand. Everything we do revolves around you, our customer. We offer super quick cover, no waiting periods, significantly lower premiums for superior cover and in most cases no medical exams.

Will my premium change over time?

Our insurance plans offer fair pricing with sustainable premium increases below the industry average and flexible options for premium payment.

What kind of life insurance does ConsumerAdvice offer?

Our comprehensive flexible life cover keeps you ahead of the game - and with more benefits: comparably better rates, a plan that can seamlessly integrate with your will and estate, creates a trust for your children (without any executor or trust fees), a hassle-free solution that ensures that your life cover is used the way you intended, and much more.

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The Real Problem With Life Insurance (and How We Help Fix It)

Many South Africans are unknowingly overpaying for life insurance or stuck in policies that don’t meet their needs — simply because they didn’t know better options existed.

The industry is flooded with complicated products, biased advice, and companies more interested in profit than people. That’s where ConsumerAdvice steps in.

We help cut through the noise by connecting you to independent insurance specialists who actually listen. They’re not tied to a single company, so their only goal is to find the cover that fits you best — at a cost that makes sense.

Thousands have already reduced their premiums by up to 43%, thanks to the insights they gained in just a few clicks.

If your policy isn’t right for your life, or you’re unsure whether you’re overpaying — this is your chance to fix it.

No pressure. No obligation. Just clarity.

Because the right cover shouldn't cost more than it should.

*Results may vary from person to person. A 47% reduction in monthly life insurance premiums is based on the performance of insurance cases administered by our insurance solution providers. A reduction in monthly premiums depends on a number personal circumstances/attributes and the successful completion of a formal quote. We cannot guarantee that you will qualify for a reduction and will look at applications on a case by case basis.

We work with a carefully selected panel of insurance providers and, once you have qualified and accepted our terms, we will introduce you to them to look after the management and administration of your recommended plan. Our service is 100% free to use and you are under no obligation to accept any of the quotes or product offers that you receive. Insurance cover is subject to conditions and acceptance. If you choose to accept a new insurance quote it is your responsibility to read through and accept all terms and conditions. Calls are recorded for training and monitoring purposes.

Consumer Advice does not administer insurance products. You may be referred to our trusted providers if we feel that this is appropriate and the best advice in your situation. Consumer Advice may be paid a referral fee for introducing you to one of our approved providers.

Consumer Advice is a trading name of Worldwide-Leads PTY LTD, registered in South Africa, Registration Number 2019 / 541064 / 07, registered office Ouklipmuur Street, Equestria, Pretoria, Gauteng, 0184, South Africa.

Most Users Save 42 - 47% Every Month - Instantly after checking

I’ve never seen life insurance handled this efficiently. Truly impressed.