South Africa's financial product
comparison platform.
The broker shows you what earns them the most. We show you everything — then you choose. SAM compares 9 product categories across 40+ insurers and partners. Real prices. No sales tactics. No pressure.
Compare & Get a Quote
Funeral cover, life insurance, and retirement annuity options — tailored for South Africans. SAM compares 5 insurers instantly. Free, no obligation.
Start a QuoteSubmit or Track a Claim
AI-powered funeral claims acceleration. Submit online and track every step in real time. Processed in 1–2 hours. 94% first-time approval rate.
9 Categories
Insurance, loans, legal, medical, pet, tracking
40+ Partners
Insurers and partners in our network
24 / 7
SAM on web, WhatsApp and voice
30+ Years
Financial services experience behind the platform
Compare options and get connected — free, no obligation.
SAM shows you real prices across all 9 categories. For insurance products, a licensed advisor completes the process. For referral products, we connect you with a vetted partner. You see everything. You choose.
Funeral Cover
5 insurers comparedFast-paying cover so your family can focus on what matters, not the cost.
Life Insurance
5 providersComprehensive cover that protects your family's financial future.
Retirement Annuity
Structured guidanceTax-efficient retirement income with flexible contributions.
Legal Insurance
3 partnersCivil, criminal and labour cover from R145/month. No waiting period.
Personal Loans
R2,000 – R300,000Fast personal loans with fixed rates. We connect you with African Bank and RCS.
Debt Consolidation
Free assessmentCombine multiple debts into one lower monthly payment. Interest from 3%.
Medical Insurance
5 providersHospital plans from R400/month. Private hospital cover without a medical aid. Emergency cover from day one.
Pet Insurance
5 providersCover your dog or cat for accidents and illness. Plans from R80/month. Any registered SA vet.
Vehicle Tracking
5 providersLive GPS tracking and stolen vehicle recovery. Plans from R89/month. Insurance discounts available.
SAM qualifies. SAM compares. SAM packages.
You decide. A human advisor completes it.
SAM is INSURELOANSA's AI advisor — a pre-underwriting and comparison engine that qualifies, matches, and packages applications automatically, 24 hours a day.
What SAM does automatically
- Qualifies your needs and budget in minutes
- Compares 5 funeral insurers, 5 life cover providers, 5 medical insurance plans, 5 pet insurers, or 5 vehicle tracking providers in real time
- Shows real premiums — confirmed or indicative, always disclosed
- Routes standard applications automatically — escalates complex cases to a human advisor
- Follows up across voice, WhatsApp, email and SMS until the job is done
- Available 24/7 — no call centre queues, no hold music
Prefer to talk? SAM is on the phone too.
Some people want to understand their options properly before deciding. SAM is available by phone and WhatsApp — explaining every product in plain language, walking through premiums and what each insurer actually covers. No pressure. No script. No wait.
SAM is an information and comparison assistant — not a financial adviser. SAM presents options — you decide. For insurance products, a FAIS-accredited advisor completes the process. INSURELOANSA is in the process of obtaining its FSP licence from the FSCA.
We don't just collect enquiries.
We pursue outcomes.
Most platforms stop at the form. INSURELOANSA's AI orchestration engine takes over after every lead and claim — automatically sequencing follow-up across every channel until the customer is served.
Lead captured — AI qualification begins immediately
SAM qualifies need, compares insurers, generates quote
Automated multi-channel follow-up until customer responds
Document collection and validation — AI guides every step
FAIS-qualified advisor completes needs analysis — full audit trail retained
How INSURELOANSA works
Whether you need cover or need to claim — we have made the process straightforward, guided, and compliant.
Getting a quote
- 1
Tell us about yourself
Answer a few questions about your cover needs, age, and budget. Takes under 2 minutes. SAM starts working immediately.
- 2
SAM compares and presents options
Our AI advisor matches your needs against available products and presents suitable options with real premiums. You choose.
- 3
An advisor completes the process
A FAIS-accredited advisor conducts a full needs analysis, confirms your choice, and handles all compliance documentation.
Submitting a claim
- 1
Submit online in minutes
Complete the claim form with details about the deceased and the policyholder.
- 2
Upload your documents
We guide you on exactly which documents are needed. Upload them directly on the platform.
- 3
Track every step in real time
Follow your claim from submission to insurer decision — with status updates along the way.
Built by industry insiders.
Backed by 30+ years of experience.
INSURELOANSA was built by people who spent over 30 years inside the industry before building the platform — call centres, insurance sales at Sanlam and Metropolitan, branch management, heading an insurance division inside a bank, and cell captive management. This is not a tech startup that stumbled into insurance. We built this platform because we spent three decades watching it fail ordinary South Africans.
FAIS-accredited — RE(1) and RE(5) regulatory examinations passed, registered with the FSCA
30+ years specialist experience across insurance, banking and cell captive management
Full needs analysis conducted before any product placement or connection
Compliance-first — FAIS, POPIA, FICA and Treating Customers Fairly built into every process
Every AI-assisted interaction is backed by a qualified human. SAM presents options — a licensed advisor handles the rest.
Funeral claims — handled with care and speed
Our AI-powered claims acceleration service guides you through every step — from submission to payout — while a qualified advisor monitors your case throughout.
01
Submit your claim online in minutes
02
Upload documents — we guide you on what is needed
03
Track every step until payout
The broker sits across from you.
You never see the whole picture.
They ask questions. They show you a quote. They say "This is the best option for you." You sign. A few things you will never know:
What they don't show you
- Did they show all available options, or just the ones with the highest commission?
- Did they structure the quote to maximise their payout?
- Are there cheaper alternatives from other insurers?
- Did you get oversold because their monthly quota was due?
- Would a different product from a different insurer suit you better?
Not because they're bad people. Because that's the business model. They earn more by selling more.
What we do
- "Here are the products that provide the coverage you need."
- "Product A has the lowest premium. Product B has more features. Product C has the shortest waiting period."
- "Most people in your age group choose this coverage level."
- You decide what matters most — price, features, waiting period, insurer reputation.
Same commission structure in the industry. Different incentives. Different outcome.
What we don't do
- We don't give advice — we give information. Advice means "I recommend X because Y." We don't do that.
- We don't manage your policy — contact your insurer for changes, updates, renewals.
- We don't handle claims on your behalf — your insurer does. We accelerate funeral claim submissions.
- We don't push one product over another — SAM has no targets and no quota.
We're the front door. Your insurer or partner is the ongoing home.
INSURELOANSA is for people who want information and control.
✅ Use INSURELOANSA if:
- You want to compare all options yourself
- You don't trust traditional salespeople
- You're comfortable making decisions with good information
- You value transparency over hand-holding
- You want speed — 15 minutes, not a 2-hour broker meeting
❌ Don't use INSURELOANSA if:
- You want someone to tell you exactly what to buy
- You have a complex situation — large estates, trusts, offshore assets
- You prefer face-to-face relationship-based service
- You want personalised financial advice — we connect you to advisors for that
Ready to protect what matters most?
Get a no-obligation quote, submit a funeral claim, or talk to SAM right now on WhatsApp — available 24 hours a day, seven days a week.
Know more. Choose better.
Guides, explainers, and expert articles on insurance, claims, and financial planning for South Africans.
Insurance explained
Clear, jargon-free guides to funeral cover, life insurance, and retirement annuities for South Africans.
Claims guidance
What to do when you need to claim. Step-by-step guidance for funeral insurance claims.
Financial planning
Building financial resilience for South African families — protection, savings, and retirement.
INSURELOANSA is in the process of obtaining its FSP licence from the FSCA. All quotes are indicative and do not constitute financial advice. SAM is an information and comparison assistant — not a financial adviser. For referral products, the partner conducts their own independent assessment of your eligibility. Claims processing times depend on insurer response and document completeness.