Life Cover

Up to R10 million personal life cover*

Better health deserves better protection

+ No Paperwork
+ No waiting period on accidental cover
+ Valid claims paid in 4-48 hours

Get your free quote

Takes minutes. For SA citizens 18–65.

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Underwritten by Guardrisk Life Limited

Switch to Rewarding Life Cover

Better Cover

Affordable personal life insurance that rewards you for being healthy. With flexible add-ons like critical illness, income protection, disability cover and education cover.

Get a quote in minutes!

Better Support

Your personalised life insurance starts with the right support. Whether online or with a dedicated advisor, we ensure your cover is tailored to your needs. From choosing the right plan to claiming when it counts, you’re never on your own.

Get personalised advice today!

Better Value

Get rewarded just for being a Dis-Chem Life policyholder. With Better Rewards*, enjoy up to 100% off on 140+ of SA’s most-loved brands every time you shop. The healthier you are the more you save.

Being healthy pays off.

Why people choose Dis-Chem Life

Dis-Chem Life gave me better cover that saved me a fortune every month!

Dis-Chem Life gave me peace of mind even with my chronic condition. Finally, affordable cover for people like me!

I never thought I’d qualify for life insurance with my health issues, but Dis-Chem Life made it possible. Truly life-changing!

As a parent, knowing my children’s education is protected no matter what happens gives me comfort I can’t put a price on.

I didn’t think life insurance could actually save me money, but with Dis-Chem Better Rewards, I’m spending less on things I buy every day. It’s been such a nice bonus!

Your Better Rewards discount just got better!

Policy holders enjoy 20% to 100% off 140+ of SA’s most-loved brands at Dis-Chem.

*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.

Frequently asked questions

How does life cover work?

Life insurance is simple. You pay a monthly premium and in return, your loved ones receive a cash lump sum if you pass away. This payout can help them cover daily expenses, settle debts, or maintain their lifestyle during an incredibly difficult time.

Choose the amount of cover you need, and we tailor your premium based on your age, health, and lifestyle. Getting covered takes just minutes online, or you can speak to one of our advisors for guidance.

Why should I choose Dis-Chem Life?

Dis-Chem Life offers affordable life insurance that rewards you for looking after your health. Our cover is flexible, our application takes just minutes, and valid claims are paid in as little as 4-48 hours. We also cater to individuals with chronic conditions, so no one gets left behind.

Plus, as a policyholder, you also unlock Dis-Chem’s Better Rewards* with savings of 20-100% off on 140+ of South Africa’s favourite brands, on top of existing promotions, as well as a complimentary annual health check.

How much life insurance do I need?

A good starting point is to think about what your family would need without your income. Consider monthly household costs, outstanding debts, school fees, and any future expenses you would want covered.

Many financial advisors suggest life cover worth 10 to 15 times your annual income, but the right amount depends on your family’s unique situation.

Our quote process helps you find a level of cover that fits both your needs and your budget, and you can adjust it as your life changes. Speak to a consultant today!

Can I get life insurance if I have a chronic condition?

Absolutely. Dis-Chem Life was built with the understanding that health is not one-size-fits-all. We offer life cover designed specifically for individuals managing their chronic condition well, with comprehensive coverage at affordable premiums.

We are here to give you and your family peace of mind. Get in touch with one of our advisors to discuss your options.

Can I really get up to 100% off with Dis-Chem Better Rewards?

Yes! With Dis-Chem Better Rewards, you can get discounts of up to 100% on thousands of everyday essentials when you shop at Dis-Chem. These rewards are designed to help you save more while staying healthy.

As a Dis-Chem Life policyholder, you’ll also receive a complimentary annual HealthCheck, making it even easier to prioritize your well-being. Speak to one of our experts today to find out how you can unlock these amazing benefits and more!

Speak to an
in-store advisor

Sometimes it helps to talk it through face to face. Our in-store advisors can answer your questions, compare your options, and help you choose with confidence. Visit any of our 330+ and ask for an in-store advisor or make an enquiry at the customer care desk.