A BrightRock study shows young South Africans view life insurance as complex, costly and hard to trust, despite recognising its importance. Key concerns include confusing terms, affordability pressures, and uncertainty about exclusions, highlighting demand for simpler and more flexible cover solutions.
For Sarah, a 28-year-old marketing professional, life insurance has always felt like something she knows she needs but struggles to fully connect with.
“Mentally wrapping my head around the fact that money is leaving my account now and I won’t really see where it goes, that’s the hard part,” she says.
For Naledi, a 26-year-old content specialist, the concern is different. “I always worry that there are so many exclusions written into the fine print that we are not aware of.” And for Kabelo, a 30-year-old account executive, affordability remains the biggest barrier. “It’s costly,” he says simply.
When BrightRock engaged diverse young South Africans about life insurance, a clear pattern emerged: despite recognising its importance, many experience it as overly complex and hard to fully understand.
