Our Legal Disclosures

These terms and conditions govern the Inqaku Products which are underwritten by Old Mutual Alternative Risk Transfer Limited (OMART) and offered to the public. The contracting parties are:

  • FSP: Inqaku FC (Pty) Ltd
  • Binder Holder: Different Life (Pty) Ltd
  • Underwriter: Old Mutual Alternative Risk Transfer Limited (OMART)


Inqaku FC (Pty) Ltd (Inqaku) is an authorised financial services provider (FSP Number: 51044), licensed by the FSCA (Financial Sector Conduct Authority) to market and distribute life insurance products underwritten Old Mutual Alternative Risk Transfer Limited (OMART), a licensed life insurer under the Insurance Act (IA).

Inqaku will provide relevant product information so that you can make an informed decision. As you go through the process we will highlight important information so that there are no surprises when it's time to claim. We do not offer financial advice on the product.

Physical Address: Unit 2B, Block B, Metropolitan Office Park, 281 Cape Road, Newton Park, Gqeberha, 6045

Postal Address: 156 Dorp Street, Stellenbosch, 7600

Telephone: 010 020 4371

Email: info@inqakulife.com


OMART, the underwriter of Inqaku Funeral Product, company registration no. 1997/008994/06, a licensed life insurer under the Insurance Act (IA).

Physical Address: Mutualpark, Jan Smuts Drive, Pinelands, Cape Town.

Postal Address: P O Box 455, Cape Town, 8000

Telephone: 021 504 6423

Email:     OMARTComplaints@oldmutual.com

Different Life 

Different Life provides binder services for which pre-determined monthly fees are paid by OMART to Different Life. 

Physical Address: Building A, Bryanston Corner, 18 Ealing Crescent, Bryanston, Johannesburg, 2021

Postal Address: P.O. Box 3812, Dainfern, Johannesburg, 2055.

Telephone: (010) 020 4362

Website: www.differentlife.co.za

Different Life has professional indemnity insurance.

Different Life has and maintains an Anti-Money Laundering Policy in accordance with the Financial Intelligence Centre Act.

Policy & Product Terms

The best way to understand all our terms and conditions is to look at our actual policy wording.  Here are links to draft policy documents for each product that we sell so that you know exactly what you are buying. Each Policy document includes information on Product Benefits, Premium Refunds, Rewards, Waiting and Guarantee Periods, Cancellations and Cooling-off Periods and anything else that you need to know about how we will engage with you.

  1.  Inqaku Funeral Cover - Inqaku Funeral Policy Document

Waiver and indemnity for Inqaku as an Intermediary

In the event that you suffer loss or damage of any nature due to Inqaku acting on your orders or communications, or orders or communications that purportedly emanate from you, you waive any right to take action against Inqaku. Furthermore, you indemnify Inqaku against all and any claims, liabilities, losses, costs, fines, damages and expenses arising because Inqaku acted on your instructions or orders or instructions or orders which purportedly emanate from you.

Personal Information Policy

This section describes how your personal information is handled. Your use of inqakulife.com (the Website) constitutes  your acceptance of these terms. We need to store, process and share your personal information with our partners to meet our obligations to you under this contract. We use your information for underwriting, processing claims, reporting and servicing your policy. We will always protect your information. 

You may access your personal information and may also request any corrections or errors or to delete this information. In certain cases you have the right to object to the processing of your personal information.

Promotion of Access to Information Act 2 of 2000 (PAIA)

Please download our PAIA manual below:
Inqaku PAIA Manual