The cashbacks are just that, cash payouts, which you can use in any way you wish, whether it be to buy your own home, your dream car, help kick-start your child’s life or buy groceries for years’ to come.

Each product provides you with cover if you pass away or suffer a disability, and have been specifically designed to help cover certain key living expense costs, such as:

• Your child’s education
• Your family’s daily living expenses
• Your household’s grocery and food costs
• Your transport costs.

You are covered for the total loss of:

• Use of both hands
• Use of both feet
• Vision in both eyes (with no light perception);
• Comprehension of language
• Ability to move both arms and legs (paralysis of all four limbs or quadriplegia)
• Ability to move both legs (paralysis of the legs and lower body or paraplegia)
• Ability to move one side of your body (hemiplegia)

You are also covered for:

• Stage 4 cancer

In a nutshell, traditional cover at other insurers is loaded with large profits and bloated expenses that result in you paying more, for less. At OneSpark, we use smart Artificial Intelligence and advanced technology to cut out the bloat, so you pay less for more.

We are a registered financial services provider, fully licensed, underwritten and reinsured by some of the largest names on the planet, who guarantee your coverage. OneSpark’s underwriter is Guardrisk Life Limited, a licensed life insurer in terms of the act and a division of Momentum Metropolitan Holdings, one of South Africa’s largest insurers.