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life-insurance

1Life vs Sanlam Indie

Updated May 2026 Reviewed by the MoneyWise editorial teamMethodology

Both are direct (no-broker) life insurers built around fast online applications. 1Life uses traditional underwriting at low premiums; Sanlam Indie uses dynamic, lifestyle-linked pricing that rewards healthier members over time.

How each one prices

  • 1Life — flat term life premium based on age, health questionnaire and (optional) blood test. Premium stays level for the chosen term.
  • Sanlam Indie — starting premium plus dynamic adjustments based on your gym attendance, banking behaviour and health checks via the Sanlam app.

For a 35-year-old non-smoker, R3m cover, 20-year term:

  • 1Life: R425/month, locked.
  • Sanlam Indie: R380/month starting, can drop to R310/month or rise to R510/month based on lifestyle data.

The honest trade-off

1Life is the cheapest predictable option. Sanlam Indie is the cheapest if you'll engage with their lifestyle tracking — and more expensive if you won't. Most consumers underestimate how much they'll engage.

Frequently asked questions

Do I need a medical exam?

Not for cover under R2m on either provider. Above that, both may request a blood test or paramedical exam.

How fast do they pay claims?

1Life publishes an average claims payout of 4 working days. Sanlam Indie averages 6.2 working days but is improving.

Can I switch from one to the other later?

Yes, but you'll be re-underwritten at your current age. Cancelling existing cover before the new policy is in force is never a good idea.