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.

Our life insurance products use a continuous underwriting approach to deliver affordable cover to people who manage their health appropriately.  We routinely remind our policyholders of their health commitments, and we alert them to potential health concerns so that they can take appropriate action to maintain their wellbeing. This unique approach to life insurance enables us to offer more competitively priced cover, and to extend cover to individuals who the established life insurance industry may regard as ‘uninsurable’.

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.

The life cover provided will expire at the end of the term. If you still require life cover you will need to reapply, and we will be happy to assist you to do so.

Yes. However there will be no refund of premiums, except within the first 30 days of policy inception (when an administration charge may be levied).

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

No. We do not require you to be on a medical aid scheme. However 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 the public health sector.

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 (as well as verifying their rights to claim on the policy) as quickly as possible so that we can complete our assessment of the claim and pay out the benefits due to them.

Yes. AllLife is an Authorised Financial Service Provider - License no FSP 4946.

AllLife’s Advantage Life range of policies provide pure risk life and permanent disability insurance to people living with HIV. These are NOT funeral policies, but similar in nature to life insurance policies available to non-HIV+ people. The policy will pay out should the life insured die or become permanently disabled during the term of the policy, regardless of whether death is accidental or health related, including claims that may result from progression of the HIV disease to AIDS. This means that people living with HIV can now provide their dependents with the financial security that non-HIV+ individuals enjoy.
AllLife also offers cover to individuals living with HIV who have Type 2 diabetes mellitus through their Advantage Life for Diabetics product range.

No. AllLife cannot provide cover to people who have AIDS at application stage. However, should successful initiation of anti-retro viral therapy (ART) result in an improvement in CD4+ count or disease status, cover may then be provided.
After policy inception the only requirement is that the life insured remains adherent to appropriate monitoring and treatment.

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, and is available on request from AllLife.

Yes. AllLife keeps all your personal information confidential and only uses it for pricing and adherence purposes. Your HIV status is not even shared with the Life Office Association.

A CD4+ count test is a blood test to evaluate the strength of the immune system in people who have been diagnosed with HIV. CD4+ cells are a type of white blood cell (a key part of the immune system). Results can range from 0 – 2 000 cells/mm3. Having a CD4+ count of less than 200 cells/mm3 is defined as AIDS.

A viral load test is a blood test that measures the amount of HIV virus in a drop of blood. It can range from undetectable to above a million copies/ml.

Adherence means managing your HIV infection appropriately, which includes: going for regular HIV monitoring blood tests (generally paid for by your medical aid or the public health sector), starting anti-retroviral therapy (ART) at the right time, remaining on ART once initiated and taking the ART drugs regularly, on time, as prescribed by your doctor.
AllLife clearly defines what adherence means in its Adherence and Adherence Monitoring Policy, which formalises the above summary. These documents have been reviewed by the South African HIV Clinicians Society and are in line with current best medical practice. AllLife monitors adherence through access to individuals’ blood test results and communicates regularly with clients regarding their adherence status.

No. Payment for your Anti-Retroviral Therapy (ART), as well as all blood tests required to prove adherence, is for your cost. These costs may be paid as a prescribed minimum benefit by your medical aid or managed health care company, or by the public health sector.

After several warnings (via sms, email, fax and/or post) to remind you to remain adherent, non-adherence will result in a benefit reduction.

You will receive several warnings about upcoming blood tests. Failure to go for the tests will result in you being designated non-adherent.

No. AllLife can only accept blood test results from SANAS accredited laboratories.  We have a set of approved laboratories with a nationwide presence. These are Pathcare: 021 596 3800, Lancet: 011 358 0800 and Ampath: 012 344 4518. If you would like to use other SANAS approved laboratories you should call us to confirm that we will be able to accept the results.

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

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

AllLife’s Essential Life range of policies provide pure risk life insurance to people living with Type 1 (Early Onset) or Type 2 (Late Onset) 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.

To qualify for an Essential Life policy you must complete the Essential 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 on inception of the policy.
AllLife offers cover to individuals living with HIV who have Type 2 diabetes mellitus through their Advantage Life for Diabetics product range.

Yes. You are required to take an HIV test within 3 months of inception of your Essential Life policy. Note that if you have not provided AllLife with a negative HIV test result your benefits will be limited to cover against accidental death only.

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, and is available on request from AllLife.

Your doctor will tell you. In general, however, if you were diagnosed with diabetes after the age of 35, you have a history of being overweight, and you have other people in your family with diabetes or associated disorders (such as high blood pressure, heart disease, obesity, etc.), 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 you do not exhibit any of the symptoms described above you will likely prove to have Type 1 diabetes.

HbA1c is a measure of the proportion of haemoglobin in the red blood cells that has glucose bound to it – it 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 three to six months in all people with diabetes, with elevated HbA1C levels providing early warning of potential future complications. If this occurs, your doctor should recommend treatment measures appropriate to your situation to achieve better control, and then monitor your HbA1C levels more frequently (e.g. monthly) until better 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.

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

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, which formalises the above summary. These documents are in line with current best medical practice. AllLife monitors diabetic control through access to individuals’ blood test results and communicates regularly with clients regarding their adherence status.

No. Payment for your Diabetic Treatment, as well as all blood tests required to prove diabetic control, is for your cost. These costs may be paid as a prescribed minimum benefit by your medical aid or managed health care company, or by the public health sector.

In cases where the life insured is deemed uncontrolled, whether temporarily or permanently uncontrolled, the policy benefits are limited to accidental death cover only.

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 is in excess of 6 months (despite warnings), you will be designated permanently uncontrolled.

No. AllLife can only accept blood test results from SANAS accredited laboratories.  We have a set of approved laboratories with a nationwide presence. These are Pathcare: 021 596 3800, Lancet: 011 358 0800 and Ampath: 012 344 4518. If you would like to use other SANAS approved laboratories you should call us to confirm that we will be able to accept the results.

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

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.

Brokers (FSPs) provide additional access points for clients, and may offer a more convenient service for some of our customers. FSPs may assist clients in making product choices, and help to reduce the administrative burden on AllLife.

AllLife products are only available from certified AllLife FSPs. If your existing broker is not certified to sell AllLife products, they can contact us with regard to certification, or, if you prefer, we will gladly help you to find a certified broker in your area.

There are no cost implications for clients who choose to access our products through brokers. FSPs are remunerated for the work they do in the form of a commission paid by AllLife, at no extra cost to the client.

AllLife has an extensive and extremely competent national network of Financial Service Providers (FSPs) who are trained and certified to sell our products. If you would like to get in touch with a certified AllLife broker, please contact us. We will gladly provide you with contact details for a number of certified AllLife FSPs in your area.

Although we strive to provide our customers with a positive experience, we recognise that sometimes we or an AllLife approved FSP may get things wrong. If you do have a complaint or a query, please contact us directly so we can deal with the problem. We treat any concern very seriously and all complaints will be dealt with as quickly as possible.