Life Insurance for people living with HIV.
A world first for people living with HIV.
AllLife provides comprehensive life cover to people living with HIV, and in 2005, was the first company in the world to offer whole life cover to HIV positive individuals.
Cover in the event of death with no waiting period.
Our life products provide cover in the event of death of the life insured, whether this was due to an accident or a health related issue. There is no waiting period - which means that AllLife clients are covered immediately on inception of cover.
Our products give you peace of mind and financial access
Our clients use AllLife products to qualify for home and business loans, to provide for people who depend on them financially, and to give their families peace of mind and financial security in the event of their death.
No fine print.
Our life cover is affordable and easily accessible – NO application forms, NO waiting period, NO fine print – just straightforward life insurance and we help you manage your health.
Because you are valuable to us as a client, we also help to manage your health through our Adherence Program, which dramatically improves the health of clients and increases the chance of a long and healthy life. The proven effect is that our clients show a major improvement in CD4+ count (a measure of the immune system) of approximately 15% within 6 months of taking out life insurance with us. So are you still thinking there is a catch? Rest assured there really isn’t. Our product is just that good.
Choose a package that suits you.
Advantage Whole Life provides cover for an unlimited period, or until the policy owner decides to either cancel or stop paying their premiums.
These products provide cover for a limited period of 10 years, and may be appropriate for clients looking to provide cover for their dependents during an important, but finite, period of their lives. These dependents may be young family members, for example, who will mature and start to take care of themselves after 10 years.
Advantage Loan Protector provides cover designed to match the outstanding balance on an amortising loan that is paid off in regular and equal monthly instalments. Cover is provided for either a 10- or 20-year loan term, with level premiums throughout the term.
Our loan protector products are designed specifically to cover the outstanding balance on a loan: the amount insured reduces at the expected rate of repayment of the loan and does not make allowances for re-advances.