OneSpark logo | Insurance
World's most innovative company

OneSpark is shaking up the life and funeral cover industries with premium coverage at super affordable prices through a process that utilizes smart technology to make your experience fast, simple, and easy.

By putting clients at the centre of everything we do, we're writing almost R1 Billion in cover every month, with tens of thousands of happy customers. And our smart tech and powerful products have been recognized with multiple international awards, such as the world's most innovative company in life insurance in 2021.

We're not only trusted by our customers but industry giants. Our products are underwritten by Guardrisk Life Limited, an authorised Financial Services Provider and licensed life insurer with over 25 years life insurance experience, who is a member of the Momentum Metropolitan Holdings company.

So, if you're looking for a change where you could save up to half on your premiums, then get an instant quote from OneSpark today!

Get R15,000 Extra Cash for Luxury Car Hire
  • Automatic cover for spouse & 3 children
  • R5,000 Airtime & Data Benefit
  • Immediate Accidental Cover
  • Cover for up to 21 people
  • No hidden fees, no medicals
  • Claims paid from 4 - 48 hours


Global giants in our corner who guarantee your coverage. 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.

We care about our customers more than anything else, that's why we're rated 4.9 out of 5 on Google.
Join the tens of thousands of happy clients

Protect your family

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.

Saving you hundreds of rands

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 R70 000 cover, from only R75 per month*
  • Add Grocery, Transport, Daily Expense and Education protection to get an extra R165 000 life cover and massive in cash payouts!
  • 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 - OneSpark is an authorised financial services provider |

OneSpark is an authorised financial services provider, FSP 50594. Our products are underwritten by Guardrisk Life Limited, an authorised FSP 76 and a licensed Life Insurer.

*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 January 2022. Terms and conditions apply. Premiums are risk profile dependant, guaranteed for 12 months and subject to change. The cash payout are automatically included in the premium, and are paid out at the cash payout date if the policy is still active, no claims have been made and all policy premiums have been paid. The present values of the cash payous 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. Award won at Wealth & Finance International in 2021. For the full policy terms and conditions, including key limitations, exclusions, risks and charges, please visit