Chronic Life Insurance - Get life cover regardless of your health.

Have you been declined life insurance because you have been diagnosed with a chronic condition? Or do you believe you may not qualify for life cover because of your health?

You can get up to R3 million life cover with chronic life insurance from AllLife.

We make it easy to get life insurance for chronic conditions:

No medical tests

Cover from the first premium paid

Includes an accidental death benefit

Nominate unlimited beneficiaries

Paperless application

Just leave your details and we will call you.

Get your obligation-free quote from AllLife today and get the protection you deserve.

Get Your FREE Quote

Complete the form and we will phone you.

Terms and conditions apply

Chronic Life Insurance
Get life cover regardless of your health.

Have you been declined life insurance because you have been diagnosed with a chronic condition? Or do you believe you may not qualify for life cover because of your health?

You can get up to R3 million life cover with chronic life insurance from AllLife.

We make it easy to get life insurance for chronic conditions:

No medical tests

Cover from the first premium paid

Includes an accidental death benefit

Nominate unlimited beneficiaries

Paperless application

Just leave your details and we will call you.

Get your obligation-free quote from AllLife today and get the protection you deserve.

Get Your FREE Quote

Complete the form and we will phone you.

Terms and conditions apply

Chronic Life Insurance

Get life cover regardless of your health.

Get Your FREE Quote

Complete the form and we will phone you.

Terms and conditions apply

Have you been declined life insurance because you have been diagnosed with a chronic condition? Or do you believe you may not qualify for life cover because of your health?

You can get up to R3 million life cover with chronic life insurance from AllLife.

We believe everyone has the right to be insured. We understand the challenges you face when living with a chronic condition and want to secure life insurance. To support you, we designed a specialised chronic life insurance plan that will give you and your family financial protection.

We make it easy to get life insurance for chronic conditions:

No medical tests

Cover from the first premium paid

Includes an accidental death benefit

Nominate unlimited beneficiaries

Paperless application

Just leave your details and we will call you.

Get your obligation-free quote from AllLife today and get the protection you deserve.

Chronic Life Insurance

Get life cover regardless of your health.

Get Your FREE Quote

Complete the form and we will phone you.

Terms and conditions apply

Have you been declined life insurance because you have been diagnosed with a chronic condition? Or do you believe you may not qualify for life cover because of your health?

You can get up to R3 million life cover with chronic life insurance from AllLife.

We believe everyone has the right to be insured. We understand the challenges you face when living with a chronic condition and want to secure life insurance. To support you, we designed a specialised chronic life insurance plan that will give you and your family financial protection.

We make it easy to get life insurance for chronic conditions:

No medical tests

Cover from the first premium paid

Includes an accidental death benefit

Nominate unlimited beneficiaries

Paperless application

Just leave your details and we will call you.

Get your obligation-free quote from AllLife today and get the protection you deserve.

Chronic Life Insurance

Get life cover regardless of your health.

Get Your FREE Quote

Complete the form and we will phone you.

Terms and conditions apply

Have you been declined life insurance because you have been diagnosed with a chronic condition? Or do you believe you may not qualify for life cover because of your health?

You can get up to R3 million life cover with chronic life insurance from AllLife.

We believe everyone has the right to be insured. We understand the challenges you face when living with a chronic condition and want to secure life insurance. To support you, we designed a specialised chronic life insurance plan that will give you and your family financial protection.

We make it easy to get life insurance for chronic conditions:

No medical tests

Cover from the first premium paid

Includes an accidental death benefit

Nominate unlimited beneficiaries

Paperless application

Just leave your details and we will call you.

Get your obligation-free quote from AllLife today and get the protection you deserve.

Common Chronic Conditions We Cover?

Most chronic conditions are covered, and here are a few examples of common illnesses that our chronic life insurance will cover.

Chronic Life Insurance for People with Cancer

While a cancer diagnosis often presents challenges, securing chronic life insurance is possible. Whether your cancer diagnosis is recent, or if you are managing cancer or you’re in remission, you can get chronic life insurance with AllLife.

Here are a few examples of the most common cancer types we cover.

Breast Cancer
Bowel Cancer
Prostrate Cancer

Chronic Life Insurance for People with Heart Disease

Finding life cover after a heart disease diagnosis can be challenging, which is why AllLife offers life cover options designed for people living with chronic conditions. You can get up to R3 million life cover, depending on your circumstances.

We also cover the following conditions:

Heart Transplant Recipients
Heart Attack Patients

Chronic Life Insurance for People who are Overweight

Many South Africans who are overweight experience stigma and judgement from others. At AllLife, we understand that being overweight is often linked to underlying medical or chronic health conditions. That is why we offer chronic life insurance to people who are overweight or have a high BMI (Body Mass Index), helping more South Africans access life cover options designed for their circumstances.

You can get life cover even if you live with the following condition:

High BMI

Is Life Insurance Important If You Live with a Chronic Condition?

Only you can answer that question. Having life insurance in place is about more than just a cash payout. It is about helping protect your family’s lifestyle and financial stability when you are no longer there. The loss of an income can have a serious impact on a family’s future. Having chronic life insurance in place could help your loved ones continue living in the same home, attend the same school or university, and have financial support to pay off outstanding debt.

How To Secure Chronic Life Insurance

The process is simple and one of our Chronic Life Plan consultants will guide you through the process. All you have to do is fill in the short form on this page, and we will contact you telephonically. Make sure your contact number is correct, because you do not want to miss out on the opportunity to get covered.

The entire process is done telephonically, and it takes only minutes to get a quote. Remember, you do not need any medical tests.

What Does Chronic Illness Life Insurance Cover?

With one call, you can secure life insurance specifically tailored for people living with chronic illnesses. Our simplified underwriting process, including common medical checks, ensures that you get the protection you need with minimal hassle.

This policy offers more than financial security—it’s a support system to help you live well. If the insured passes away during the term, the policy pays out. We’ll also support your health management with reminders for regular check-ups and monitoring. If your condition changes, our team can help you adjust your care plan to keep coverage in place.

Choose AllLife for compassionate, reliable life insurance that understands the unique needs of people living with chronic illnesses.

Key Benefits of Chronic Illness Life Insurance

AllLife offers accessible, affordable life insurance for those living with Chronic Illnesses, providing financial security, proactive health support, and lifetime protection.

Affordable Premiums

Life insurance coverage starts at less than R5 per day.

Lifetime Coverage

No waiting period—coverage begins immediately on the first payment.

Disability and Inability to Work Benefit

Receive up to 75% of your premiums back if you become unable to work due to complications from your condition.

High Coverage Limit

Secure up to R10 million in life insurance to protect yourself and your loved ones.

Simple Underwriting Process

Common medical checks and assessments make it easy to qualify for coverage.

Health Monitoring Programme

Stay on top of your health with reminders for important check-ups and tools to help you manage your well-being.

FAQ

Let's answer your questions

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Resources

Here are articles designed to help you understand your diagnosis and live a healthy life.

Living with Chronic Conditions

Articles designed to help you live a healthy life. Read our articles below on living with Chronic conditions.

Learn More

Am truly satisfied with the level of service I received from Nokuthula Gumede. Engagement was very informative and clear.

Lydia K

I was assisted by Alice Zungu, the service was very good and I understood the consultant. Very patient, good listening, and very patient with me. 10/10

Seemole M

Very informative and good customer service

Philisiwe

Teboho he called me today regarding my policy We discussed about updating my policy and he was nice and humble to me and discussed about my result,I will forever be Alllife policy holder Thanks again 🙏🏽

Thandi

I got professional help and time I needed with every expansion from Lungile Masuku. Thank you so much for the time and help. Keep it up and help other as well.

Rose-Anne

Get Your Free Chronic Illness Life Insurance Quote in Minutes

Fill out our quote form to receive a call from one of our agents and learn how you can secure up to R10 Million in life insurance. Enjoy affordable premiums, immediate coverage, and health-focused support designed for those living with chronic conditions. Start protecting your future today with ease and confidence.

Get Your FREE Quote

Complete the form and we will phone you.

Terms and conditions apply