AllLife
AllLife is a South African life and funeral insurer specializing in cover for chronically ill individuals, including HIV-positive and diabetic policyholders declined by mainstream insurers, selling recurring monthly premium policies direct-to-consumer via phone and web.
- Company typePrivate
- Founded2005
- HeadquartersSandston, United States
- Headcount251–500
- GTM typeB2C
- OfferingServices
What AllLife does
AllLife (Pty) Limited is a South African life and funeral insurer founded in 2005 and headquartered in Johannesburg, with a second office in Durban. The company underwrites a focused portfolio of life cover products — HIV Life Insurance (up to R10 million cover), Diabetes Life Insurance (up to R10 million), Chronic Life Insurance (up to R3 million, no medical tests required), Standard Life Insurance (up to R10 million), Funeral Cover (up to R70,000) and a free R50,000 Accidental Death Cover — targeted at South Africans aged 18-75 who are often declined by mainstream life insurers. AllLife was the first South African insurer to offer life cover to HIV-positive individuals (2005) and to diabetics (2013), and it now extends coverage to people with cancer, heart conditions, hypertension and high BMI under its chronic umbrella.
Underlying technology is intentionally lightweight: a paperless application process completed over the phone with a consultant, supported by website quote forms that feed lead capture, and the DebiCheck electronic debit-order authorization system for payment security. Products are insured by Old Mutual Alternative Risk Transfer Limited (OMART), a licensed Life Insurer, while AllLife acts as the distribution and underwriting arm operating under Financial Services Provider licence FSP No 4946, regulated by the Financial Sector Conduct Authority.
The business model is pure subscription / recurring monthly premiums paid by individual South African policyholders, with an optional disability add-on. Distribution is exclusively direct-to-consumer via phone-based inside sales (sales line 0861 25 55 43; customer care 0861 55 55 59) with no brokers, agents or third-party distributors, supplemented by a recent freemium acquisition product (free R50k Accidental Death Cover) intended to feed the top of the funnel. Customer segments are predominantly person-level personas — HIV-positive individuals, people with diabetes, people with broader chronic conditions, and a smaller healthy standard-life segment — making this a long-tail, high-volume consumer insurance business rather than a B2B or enterprise model.
AllLife firmographics
Firmographics- Name
- AllLife
- Legal name
- AllLife (Pty) Limited
- Website
- https://alllife.co.za
- Company type
- Private
- Founded year
- 2005
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- AllLife is a South African life and funeral insurer specializing in cover for chronically ill individuals, including HIV-positive and diabetic policyholders declined by mainstream insurers, selling recurring monthly premium policies direct-to-consumer via phone and web.
- Ownership category
- akta.pro rank
AllLife industry classification
Industry- Product category
- Life Insurance
- NAICS
- Direct Life Insurance Carriers (524113)
- SIC
- Life Insurance (6311)
- akta.pro primary industry
- Guaranteed Issue Term Life Insurance (FSAIAAAG)
- akta.pro secondary industries
- Whole Life Insurance (FSAIABAA), Final Expense Term Life Insurance (FSAIAAAI), Simplified Issue Whole Life / UL Insurance (FSAIABAH), Whole Life / UL Policy Riders & Add-ons (e.g., Waiver of Premium, Accidental Death, Child Term, LTC/Chronic Illness) (FSAIABAK)
Keywords
Where AllLife is headquartered
LocationHeadquarters
- HQ city
- Sandston
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
AllLife business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Life Insurance Premiums: Monthly premium payments from policyholders for life cover products. Premium amounts vary based on age, health status, coverage amount, and lifestyle factors. Policies include HIV Life Insurance, Diabetes Life Insurance, Chronic Life Insurance, Standard Life Insurance, and Funeral Cover.
- Disability Cover Add-on: Optional disability benefit that can be added to life insurance policies at an additional cost
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | HIV Life Insurance - Up to R10 Million cover |
| Subscription | Monthly | Diabetes Life Insurance - Up to R10 Million cover |
| Subscription | Monthly | Chronic Life Insurance - Up to R3 Million cover |
| Subscription | Monthly | Standard Life Insurance - Up to R10 Million cover |
| Subscription | Monthly | Funeral Cover - Up to R70,000 |
| Freemium | Pay-as-you-go | R50,000 Accidental Death Cover - FREE offer |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels6 records
AllLife product offering
Product offeringCore offering
AllLife is a South African life insurance provider that sells specialized life and funeral insurance products to South African residents aged 18-75, with a particular focus on people living with HIV, diabetes, cancer, heart conditions, and other chronic illnesses who are typically declined by mainstream insurers. Products include HIV Life Insurance (up to R10M), Diabetes Life Insurance (up to R10M), Chronic Life Insurance (guaranteed minimum R3M without medical tests), Standard Life Insurance (up to R10M), and Funeral Cover (up to R70,000). All applications are processed paperless over the phone after online quote capture.
Product overview
AllLife is a South African life insurance provider offering a portfolio of specialized life and funeral insurance products designed for people with chronic health conditions, HIV, and diabetes. The product portfolio includes HIV Life Insurance (up to R10M cover), Diabetes Life Insurance (up to R10M with health support), Chronic Life Insurance (up to R3M without medical tests), Standard Life Insurance (up to R10M with unlimited beneficiaries), Funeral Cover (up to R70,000 with double accidental death benefit), and Accidental Death Cover (free R50,000 cover). All products are insured by Old Mutual Alternative Risk Transfer Limited and underwritten by AllLife (Pty) Ltd, an Authorised Financial Services Provider (FSP No 4946).
Differentiator
Problem solved
Functional benefit
Products and services
- HIV Life Insurance Life insurance product for people living with HIV in South Africa, offering up to R10 Million Life Cover. Cover options start at R120,000 and last for the rest of the policyholder's life; underwriting process including medical tests is required for amounts above the guaranteed minimum.
- Diabetes Life Insurance Affordable life insurance for people living with diabetes in South Africa, providing up to R10 Million Life Cover with tailored health support; underwriting process including medical tests is required.
- Chronic Life Insurance Life insurance for South Africans with chronic health conditions such as cancer, heart conditions, hypertension, and high BMI, offering up to R3 Million Life Cover without requiring medical tests, regardless of health status; coverage is guaranteed with only medical questions during the application.
- Standard Life Insurance Standard life insurance product for healthy South African residents aged 18-75, offering up to R10 Million Life Cover with affordable premiums and unlimited beneficiaries.
- Funeral Cover Funeral insurance providing up to R70,000 cover for South African policyholders, including a double accidental death benefit and coverage for up to 5 children; funeral claims are paid within 48 hours of document verification.
- Accidental Death Cover (Free R50,000) Free accidental death cover of R50,000 for South African residents aged 18-75 with valid ID and email address who earn above R5,000 per month; no premium is required.
- Disability Cover Add-on Optional disability benefit that can be added to AllLife life insurance policies at an additional recurring premium cost, providing income protection in the event of qualifying disability.
Quantifiable outcome
- Funeral claims paid within 48 hours of document verification
- +1 more outcomes
Companies that use AllLife
Customer profileNamed customers6 records
Segments4 records
Ideal customer profiles4 records
AllLife technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
AllLife partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Old Mutual Alternative Risk Transfer Limited (OMART)coreProducts insured by Old Mutual Alternative Risk Transfer Limited, a licensed Life Insurer. AllLife acts as the distribution and underwriting arm while OMART provides the insurance capacity and policy administration. This partnership enables AllLife to offer life cover under OMART's regulatory license as an Authorised Financial Services Provider (FSP No 4946).
Scale indicators5 records
Recent moves8 records
Expansion highlights5 records
AllLife competitors and assessment
Company assessmentMarket position
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
AllLife social profiles
Digital presenceAllLife financial estimates
Financial estimateRevenue estimate
Valuation estimate
AllLife leadership team
Management profileNumber of profiles
Profiles4 records
AllLife funding detail
Funding detailFunding overview
Funding rounds2 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
AllLife M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about AllLife
What does AllLife do?
AllLife is a South African life insurance provider that sells specialized life and funeral insurance products to South African residents aged 18-75, with a particular focus on people living with HIV, diabetes, cancer, heart conditions, and other chronic illnesses who are typically declined by mainstream insurers. Products include HIV Life Insurance (up to R10M), Diabetes Life Insurance (up to R10M), Chronic Life Insurance (guaranteed minimum R3M without medical tests), Standard Life Insurance (up to R10M), and Funeral Cover (up to R70,000). All applications are processed paperless over the phone after online quote capture.
Is AllLife a public or private company?
AllLife is a private company. It is classified as venture growth investor backed and is currently operating.
When was AllLife founded?
AllLife was founded in 2005. It employs 251 to 500 people.
Where is AllLife based?
AllLife is headquartered in Sandston, United States, in the North America region.
How does AllLife make money?
Two revenue lines are on record. Life Insurance Premiums are the primary driver. The others are disability Cover Add-on.
Does AllLife have an API?
No public API is recorded for AllLife.
What industry is AllLife in?
AllLife's product category is Life Insurance. Its primary akta.pro industry code is FSAIAAAG, Guaranteed Issue Term Life Insurance, with a secondary code of FSAIABAA, Whole Life Insurance. Its NAICS code is 524113 and its SIC code is 6311.