OneSpark logo | Insurance
Siya Kolisi and Lungi Ngidi

OneSpark is shaking up the insurance industry by utilising powerful AI and smart tech to create a truly client centric insurance experience. With multiple international awards for their innovations, like the award for the World's Most Innovative Life Insurance Company of 2021, global partnerships with the likes of Google, and global sport's icons, Siya Kolisi and Lungi Ngidi, as their brand ambassadors, OneSpark is changing the insurance game, forever.

By putting you and your needs first, and by embedding advanced technology into what we do, OneSpark is creating an insurance experience that is smart, quick, easy, and super affordable... because traditional insurance just isn't.

We have global giants in our corner and are underwritten by Guardrisk Life Limited who has over 25 years insurance experience and who is a member of Momentum Metropolitan Holdings company

If you're looking for a change, get an instant quote from OneSpark now.

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  • You save today! We use smart technology and have world first innovations, so you save more! Get up to R50 000 funeral cover from only R60 per month.
  • Protect 20 family members.
  • Protect your partner, from only R17 per month!*
  • Protect your child from only 50c per month!*
  • Protect your parent from only R40 per month!*
  • Add R50 000 Life Cover and get a R1 Million Cashback*
  • Add Education Protection and get R25 000 Instant Cover and a R250 000 No-Claim Cashback to help pay for your child's university and kickstart their future*
  • Add Grocery Protection and get R20 000 Instant Cover and a R100 000 No-Claim Cashback to help cover your grocery cost for years to come*
  • Tailor your cover to your budget, with anywhere from R5 000 to R50 000 cover
  • We have global giants in our corner who guarantee your coverage and cashbacks. We are underwritten by Guardrisk Life Limited who has over 25 years insurance experience and who is a member of Momentum Metropolitan Holdings company, one of South Africa's largest and most trusted insurers.
  • No medical or blood tests required. Take out cover instantly online.
  • Lightning-Fast Funeral Claims! We pay claims from 4 - 48 hours, so you can rest assured we'll be there for you when you need us.
  • We return all premiums paid on natural deaths during the waiting period.
  • We care about our customers more than anything else, that's why we're rated 4.9 out of 5 on Google.
  • Join the thousands of people who have already joined the OneSpark family.
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OneSpark clients are saving up to R2 500 on their funeral cover premiums compared to other insurers every year!*


That's because we don't have bloated expenses, archaic systems and old, grumpy products like other insurers. We use smart tech and world first innovations to give you real value at really affordable prices.

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You can take out anyone of our plans individually or add them together for more comprehensive family protection.

  • Funeral Plan: Flexible funeral cover for you and your family that you can tailor to suit your needs and your budget. Up to R50 000 cover, from only R60 per month*
  • Add Grocery, Transport, Daily Expense and Education protection to get an extra R165 000 life cover and R2.35 Million in cashbacks!
  • AI powered Life Insurance:
    Up to R10 million life with some clever tech and award-winning innovations. The world’s most advanced life insurance product that’s instant, smart, easy, and can save you up to 50%, today.

OneSpark is an authorised financial services provider, FSP 50594. Our products are underwritten by Guardrisk Life Limited, FSP 76, a licensed Life Insurer in terms of the Insurance Act.

* Premium comparisons were done on a like-for-like basis against major insurers, where the premiums were taken from publicly available online sources as at 1 August 2021. Terms and conditions apply. Premiums are risk profile dependant, guaranteed for 12 months and subject to change. For the full policy terms and conditions, including key limitations, exclusions, risks and charges, please visit The cashbacks are automatically included in the premium, and are paid out in 18-25 years if clients don't claim, keep their policy active and pay all their premiums. The present values of the cashbacks are: Daily Expenses: R460,000, Education: R150,000 , Grocery: R60,000 and Transport: R240,000. 1 Grocery, 1 Transport, 1 Daily Expense and 3 Education policies needed to get full R165 000.