Got Questions?

We answer your questions on Diabetes.

Discover the real answers to your questions about Diabetes.


Guidelines for a healthy heart while managing diabetes.

AllLife provides world class, pure risk life insurance policies to people living with Diabetes.


AllLife provides comprehensive, pure risk life insurance policies to people living with Type 1 or Type 2 Diabetes Mellitus. Our policies pay out should the life insured die during the term of the policy.

If I have a pre-existing health condition, will this policy cover me?

AllLife has an individual and personalised underwriting assessment policy for each client. We gather medical history and synopses of current medical conditions from each client.

We then consult with the potential client, and outline the life cover options that may be specifically available for them.

Does AllLife have a conflict of interest policy?


If I’m going to be out of the country and miss the required date for my blood test, will I be able to go for the blood test before I leave South Africa?

Yes. You can go for your blood test early. The nine-month time period until your next blood test will then run from this new test date.

How do I ensure that AllLife gets my blood test results?

Always insist that the word “AllLife” is written in the space marked “Copy Doctor” on any of the laboratory forms.

Can I have my blood tests done in any laboratory?

No. AllLife will only accept blood test results from SANAS-accredited laboratories. We have a list of approved laboratories with a nationwide presence. These are:

  • Pathcare: 021 596 3800.
  • Lancet: 011 358 0800.
  • Ampath: 012 344 4518.

If you would like to use other SANAS-approved laboratories, you should call us to confirm that we can accept the results.

Does AllLife have exclusions on claims on an Optimum Life policy?

We do have a number of necessary exclusions on claims. These include (but are not limited to): claims as a result of suicide or self-inflicted injury, war or other hostile activities, and criminal or terrorist acts.

A full list of exclusions is available in the policy Terms and Conditions. These are available on request from AllLife. 

How do I apply for an Optimum life policy?

To qualify for an Optimum Life policy, you must complete the Optimum Life application form, and commit to managing your HbA1C at a level of 8.5% or lower on an ongoing basis. You must also provide a negative HIV test at the inception of the policy. AllLife offers cover to individuals living with HIV who have Type 2 diabetes Mellitus, through our Advantage Life for Diabetics product range.

If the premium payer passes away, what happens to the policy?

You need to inform the Customer Service Department on 0861 555 559. The AllLife Customer Service Department will assist with helping you change the payer information to another person.

How do I get a quote?

Speak to one of our AllLife sales consultants. We do need some of your information to give you a quote.

If I do not claim after a certain period of time, will I get some money back?

No. This is a pure risk policy and does not have a savings or investment component. No money is paid back at the end of the policy term.

What is the waiting period?

There is no waiting period. Your cover starts immediately after the first premium is received.

Where did you get my contact number from?

AllLife utilises many marketing channels and third-party service providers who are specialists in advertising across direct marketing channels on our behalf. Examples of such mass advertising are SMS, email, and voice messaging that allow people to opt-in, to receive further contact from us. We do not have databases of your personal information and at all times adhere to strict Direct Marketing protocols and the POPI Act.

What is the difference between funeral cover and life cover?

Funeral cover is designed to cover the burial costs when you pass away. A life cover policy is designed to ensure that your beneficiaries have money available to them in order to continue with life and to take care of everyday living costs. These are all the day-to-day expenses that a funeral plan won’t cover at the time of payout. 

Does AllLife offer funeral cover?


What forms do I need to complete to submit a claim, as a beneficiary?

  • Fully completed AllLife claim forms.
  • Copy of the death certificate.
  • Copy of the BI-1663 (notice of death).
  • Copy of the beneficiary’s ID document.
  • Copy of the beneficiary’s bank statement.
  • Copy of the life insured’s ID document.

Will my premium increase after a claim?

Cover ceases to exist after claiming for disability. The disability benefit is an accelerated benefit. Only one claim per policy is allowed.

How do I update my personal details?

You call the AllLife Customer Service Department on 0861 555 559. 

How do I choose who becomes my beneficiary?

You can choose any person to be a beneficiary. The decision is up to you.

How long will it take for the cover to be paid to my beneficiaries in the event of my death?

It depends on various factors. Should all claims documentation be received by AllLife and there are no outstanding factors, it could take anywhere between 4 to 8 weeks.

Who can I cover on my life policy?

This policy only covers you, the life insured. You may elect members of your family or any other person to benefit from the life policy should you pass away. These people you elect are referred to as beneficiaries.

How do I go about making a claim?

You (for disability claims) or your beneficiaries (for a death claim) need to call AllLife. The claims department will ask you to fill in forms and submit certain documentation.

How old do I have to be to get a life cover with AllLife?

The minimum entry age for AllLife life cover is 18 years old. The maximum entry age for AllLife life cover is 59.

Do I have to be on medical aid to get Life Cover with AllLife?

No. The adherence benefit requires that you go for certain blood tests every 6 months, and these tests are free at public health facilities.

What happens if I become non-adherent?

After several warnings (via SMS, email, fax, and/or post) to remind you to remain adherent, non-adherence will result in accidental death benefit cover only. All other benefits will cease.

If I have a term product, what happens at the end of the term?

The life cover provided will expire at the end of the term. If you still require life cover you will need to re-apply. We will be happy to assist you to do so.

Is AllLife registered with the Financial Services Board?

Yes. AllLife is an Authorised Financial Service Provider. The AllLife FSP license number is FSP 4946.

How are claims paid out?

If the life insured dies (or becomes permanently disabled, in the case of a life and disability policy) during the term of the policy, the claimant(s) must notify AllLife of the claim as soon as possible. We will assist them to complete the necessary documentation to verify the claim (and verify their rights to claim on the policy) as quickly as possible.

I do not have medical aid. Will this affect my policy application?

No. We do not require you to be on a medical aid scheme. A medical aid scheme may pay for your blood tests and other medical expenses. Not having a medical aid may result in you having to cover the costs of all blood tests and medication yourself, or needing to access treatment through public health facilities. 

Can I take a loan on my policy?

AllLife does not grant loans. You may, however, be able to cede your policy as security to a loan provider.

Will I be able to cancel the policy?

Yes. However, there will be no refund of premiums already paid, except within the first 30 days of policy inception (where AllLife will refund your premium(s) less any costs we incur).

Will I qualify for cover if I live in South Africa, but I am not a South African citizen?

Yes. You must, however, be in possession of a valid South African Identity Document and provide a copy of this to us with your application. We require a valid SA bank account to collect premiums and pay claims.

What kind of life insurance does AllLife offer?

AllLife provides comprehensive pure risk life insurance policies to people living with HIV or with Type 1 or Type 2 Diabetes Mellitus. Our policies pay out should the life insured die during the term of the policy.

What will happen if I miss my Diabetes blood test?

You will receive several warnings about upcoming blood tests. Failure to go for the tests will result in you being designated uncontrolled. If this deemed uncontrolled period exceeds 6 months (despite warnings), you will be designated permanently uncontrolled.

Does AllLife pay for my Diabetic treatment?

No. Payment for your Diabetic treatment (and all blood tests required to prove Diabetic control) is for your cost. These costs may be paid as a Prescribed Minimum Benefit (PMB) by your medical aid, managed health care company, or by the public health sector.

What does Diabetic control mean?

Diabetic control is the conformance to a prescribed Diabetes Mellitus treatment regime, designed to maintain blood glucose and HbA1C levels at a safe and healthy level. The life insured is deemed to be uncontrolled if their HbA1C test result is greater than 8.5% for any 2 consecutive scheduled tests (scheduled tests occur every 9 months, although the life insured may undergo more frequent testing if required by their treating doctor). AllLife clearly defines what Diabetic control means in its Diabetic Control and Control Monitoring Policy documents. These documents are in line with the current best medical practice. AllLife monitors Diabetic control through access to individuals’ blood test results and communicates regularly with clients regarding their adherence status.

What should my HBA1C be?

It is generally accepted that you should maintain HbA1C below 8%. The following guidelines are suggested by the South African Diabetes Association:

  • 4 – 6%: Non-Diabetic range.
  • < 7%: Well-controlled Diabetic.
  • 7% – 8%: Acceptable Diabetic control.
  • > 8%: Poor Diabetic control, needs attention.

What is glycosylated haemoglobin (HBA1C)?

HbA1c is a measure of the proportion of haemoglobin in the red blood cells that has glucose bound to it. An HbA1c test provides a measure of the average blood glucose level over the last 2-3 months. If your HbA1C level is monitored at regular intervals, it can provide a good summary of the Diabetic control achieved over time. HbA1c should be checked regularly every 3 to 6 months for every Diabetic person. Elevated HbA1C levels provide early warning of potential future complications. If this occurs, your doctor should recommend treatment measures appropriate to your situation to achieve better Diabetic control, and then monitor your HbA1C levels more frequently (e.g. monthly) until better Diabetic control is achieved. Studies have shown that by maintaining controlled blood glucose levels, it is possible to delay or even prevent the potential long-term complications of Diabetes.

How do I know if I have type 1 or type 2 Diabetes?

Your doctor will tell you. In general, if you were diagnosed with Diabetes after the age of 35; if you have a history of being overweight; and if you have other Diabetic people in your family, you are more likely to be diagnosed with Type 2 Diabetes. If you were diagnosed with Diabetes at a younger age (less than 25 years old) and if you do not exhibit any of the symptoms described above, you will more than likely have Type 1 Diabetes. We offer no specific medical consultative advice in this regard, only general medical advice. You will need to consult a trained medical professional to ascertain your exact diagnosis.

What kind of life insurance does AllLife offer to people living with Diabetes mellitus?

AllLife’s Optimum Life policy range provides pure risk life insurance to people living with Type 1 or Type 2 Diabetes. The policy will pay out should the life insured die during the term of the policy, regardless of whether death is accidental or health-related.