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You don’t need to go it alone! To help you deal with some of life’s challenges such as budget cuts, debt worries and legal disputes, we’ve got an expert on hand. They’re ready to listen, offer advice and find workable solutions!
Talk to our client services team
When: you need to make your premium more affordable
Where to find them: details are on our website where you can also send an email or request a call me back
The 1Life Insurance client services team is ready to help you keep your cover and make sure your premium is affordable!
Your life and/or funeral cover is important to you and your family - keeping it even when times are tight is a must, even if it means reducing your sum assured! And that’s okay. Your family will still have some cover that will give them future financial stability and you can pay the premiums when they are due. Let your cover lapse or cancel it and your family will have no cover! Plus, you may find premiums are higher when your finances improve and you take out a new policy as you will be older and your health status may have changed!
If you've got a question our client services consultants are here to help. Leave your details and we will call you back.
Talk to a financial adviser
When: you need help selecting the most appropriate financial products such as insurance, want an independent opinion on your budget, or need help with your financial plan and goals such as where to invest
Where to find them: leave your details and a 1Life Insurance adviser will give you a call!
A financial adviser can help you draw up your financial plan and accurately identify your financial needs, such as how much life insurance you need and how much you need to save for your financial goals, including education, vacation and retirement! Financial advisers can also assist with day-to-day money management matters such as helping you identify where you can cut expenses in your budget and where you can save more!
Talk to a debt counsellor
When: you are overindebted and/or cannot make payments on all your debts
Where to find them: Truth About Money, a 1Life Insurance initiative, offers a debt management service with DebtBusters.
If you are struggling to afford debt repayments or are using one debt to pay another, speak to a debt counsellor and take control! Debt can mount up and become unmanageable very quickly. When it does, you need to take action! You can either find extra income so you have the funds to repay your debts, talk to your creditors about making repayments more affordable, or enter debt review.
In debt review, a repayment plan is drawn up by your debt counsellor that allows you to repay what you can afford each month towards your debts until they are paid off, while still ensuring you can pay your living expenses. As your creditors agree to the repayment plan, you won’t have to worry about debt collectors calling you or knocking on the door!
Talk to a wills and estate planning specialist
When: you need to draft or update your will, ensure your minor children are cared for when you pass, and need a plan for your family to fund their living expenses while your estate is being wound up
Where to find them: use the services of an expert from Truth About Money’s Wills and Estate Benefit or contact your financial adviser or a fiduciary expert.
Your will is a key document that will ensure your loved ones benefit from your financial legacy when you pass. But it must be valid and updated! You should also name a guardian in your will and include provision for minor children who cannot take possessions of an inheritance until they are 18 years. Your estate will also need liquidity to pay estate costs and provide funds for living expenses to your family while the estate is being administered. It’s a lot to do, and with lots of legal terms and requirements, an expert is a must!
Talk to a lawyer
When: you have a legal issue such as divorce or work dismissal, need advice on a contract or have a legal dispute
Where to find them: Truth About Money’s Legal Assistance Benefit with Law for All offers 24-hour legal advice
Truth About Money’s legal assistance benefit puts you in touch with a legal eagle who can give you advice on matters such as marriage, divorce, work dismissals and criminal matters.
Peace of mind
Don’t try to go it alone! When you have an independent, expert ear to give you professional advice, you are halfway to solving your problem. Ask one of our experts for the help you need and start 2025 on a strong footing.