Life after life

MTN Zambia Life after Life is a simple and convenient service that enables you to sign up for a funeral cover plan, right from your phone.​

Overview

Exclusive to the MTN network, MTN Zambia Life after Life is a simple and convenient service that enables you to sign up for a funeral cover plan, right from your phone.

Sign up for the most affordable policy with African Life Assurance Zambia (ALAZ), only with MTN. Your monthly insurance payments are collected in the form of airtime and taken off your MTN account each month.

Benefits

  • Quick and easy sign up and monthly payment from your phone, no paperwork required.
  • An assured funeral cover amount paid to your registered beneficiary.
  • Affordable monthly rates.
Costs

Assured Claim Amount (ZMK) Monthly Instalments
K1 000K1.65
K2 000K2.71
K3 000K3.86
K12 000K13.78


The instalment will be deducted from your airtime account monthly. If, at the time of payment, you do not have enough airtime in your account, it will be taken off the following month along with the current charge.

If there is not enough airtime in the account for a period of three months, the policy will be cancelled and all benefits will be forfeited.

Eligibility

To register, you need to have the following:

  1. NRC or passport number
  2. Full name and ID number of your chosen beneficiary
  3. A minimum of K1.65 worth of airtime, depending on the policy

Then, dial *121# to register and receive the policy number.

Terms and Conditions

  1. MTN Zambia Life After Life is a funeral cover provided by SANLAM and is accessible via the MTN network.
  2. The product is available to all MTN Prepaid and MyChoice Customers, aged between 18 years old and 75 Years old.
  3. Prepaid and MyChoice customers can register or de-register by dialing *121#.
  4. A customer will be required to register at least one beneficiary.
  5. There are four Life After Life policy options:
    Assured Claim Amount (ZMK Monthly Subscription
    K 1 000K 1.65
    K 2 000K 2.71
    K 3 000K 3.86
    K 12 000K 13.78
  6. A customer will be charged the subscription fee in full upon registration, and every 30 days after that.
  7. If a customer has insufficient airtime at the time of subscription, or insufficient airtime for a period of three consecutive months, he/she will be de-registered from the service and all benefits will fall away.
  8. A customer can only re-register with the same policy number by sending a formal letter of instruction to SANLAM. This must be done within 14 days of cancellation.
  9. The policy is a contract between the customer and SANLAM, therefore any claims upon death of the policy holder, or other queries should be directed to SANLAM using the following contact details:

SANLAM LIFE INSURANCE
SANLAM HOUSE, CORNER ITUNA AND NASSER ROADS.
P.O.BOX 31991, LUSAKA ZAMBIA.

A proof of death certificate and a copy of NRC of the registered customer should accompany all claims to ALAZ. The beneficiary will also be required to submit a copy of their NRC.


FAQs

Q: What are the requirements to sign up for the MTN Life After Life service?

To register the following is needed:

  • You need to be between the ages of 18 and 75 years old.
  • You need to be an MTN Zambia subscriber.
  • Depending on the policy you are interested in, you need to have enough airtime to cover the monthly instalment. The four monthly instalments include: K1.65; K2.71; K3.86 or K13.78.
  • You need to submit your ID number (NRC or passport number).
  • You need to submit details of your chosen beneficiary, which should include their full name and their ID number.
    • Once you have submitted all of the above, you can then access the service using the short code *121# to register and receive the policy number.

      Q: How does the process work?

      To access the service, customer needs to dial *121# which will take them to the main menu and then complete all necessary details as mentioned above.

      The menu will appear as follows:

      Life cover service options:

      • To register
      • Manage beneficiary
      • View information
      • Change premium plans
      • Cancel policy

      Q: Is it possible to edit your beneficiary details?

      Yes, it is possible to change, remove and re-add beneficiary's details by selecting option '2' on the main menu of *121#.

      Q: Is it possible not to add a beneficiary?

      No, a beneficiary must be registered in order to claim on behalf of the deceased from SANLAM.

      Q: How many cover options are there to choose from?

      Four:

      K1 000 (K1.65/month)
      K2 000 (K2.71/month)
      K3 000 (K3.86/month)
      K12 000 (K13.78/month)

      Once confirmed, the airtime charge for the chosen option will be deducted immediately. Each SIM card can only be registered for one policy at a given time.

      Q: What happens if there is insufficient airtime when the monthly instalment is deducted?

      Every signed-up customer will be sent an SMS reminder the day before their instalment is to be deducted, advising them to ensure there is sufficient airtime in their account.

      If a customer does not have sufficient airtime on his/her account, the subscription amount will be carried over to the next month, whereby the system will deduct two months’ worth of instalment.

      If there are still insufficient funds, the outstanding instalment amounts will be carried over into the third month, whereby the system will deduct three months’ worth of instalment, plus charges owed from previous instalment months. Should there still be no available funds, the policy will be deactivated, and all benefits will be forfeited.

      For example:

      The registration date of your policy is 10 March 2012 for cover of K1 000/K1.65 per month:

      1. Your first monthly deduction is due to take place on 10 April 2012, in the case that you do not have sufficient airtime on the deduction date, the system will then try again in the second month.
      2. Your second monthly deduction is due to take place on the 10 May 2012, if you have sufficient airtime the system will deduct the current monthly charge, plus the previous monthly charge (K3.30). Should you still not have sufficient airtime, the system will carry over these two instalment charges into the third month.
      3. The third month's deduction is due to take place on 10 June 2012, the system will therefore try and deduct the owing amount for three months' worth (K4.95) of instalment. If you do not have sufficient airtime (including charges owed for the previous two months) then the system will automatically de-activate the policy, and you will receive a letter from SANLAM within two weeks with confirmation of the deactivation.

      Q: Can I cancel the premium at any time?

      Yes, but once you have cancelled your policy you will not be able to claim back the money that has been deducted from previous months. Reference can be made to Life After Life Terms and Conditions.

      Q: Can I have the premium re-activated using an old policy number?

      A customer can only have their policy re-activated within the two-week period from the date of de-activation, before they have received their official letter of de-activation from SANLAM.

      Q: Who can be contacted for any issues?

      • For any USSD issues dial *121#. For clarification on your details, contact the MTN customer service on 111 and MTN customer care will be able to view your customer information.
      • For any issues pertaining to your policy, you can contact SANLAM:
        • SANLAM LIFE INSURANCE
        • SANLAM HOUSE, CORNER ITUNA AND NASSER ROADS.
        • P.O.BOX 31991, LUSAKA ZAMBIA.


Exclusive to the MTN network, MTN Zambia Life after Life is a simple and convenient service that enables you to sign up for a funeral cover plan, right from your phone.

Sign up for the most affordable policy with African Life Assurance Zambia (ALAZ), only with MTN. Your monthly insurance payments are collected in the form of airtime and taken off your MTN account each month.


  • Quick and easy sign up and monthly payment from your phone, no paperwork required.
  • An assured funeral cover amount paid to your registered beneficiary.
  • Affordable monthly rates.

Assured Claim Amount (ZMK) Monthly Instalments
K1 000K1.65
K2 000K2.71
K3 000K3.86
K12 000K13.78


The instalment will be deducted from your airtime account monthly. If, at the time of payment, you do not have enough airtime in your account, it will be taken off the following month along with the current charge.

If there is not enough airtime in the account for a period of three months, the policy will be cancelled and all benefits will be forfeited.


To register, you need to have the following:

  1. NRC or passport number
  2. Full name and ID number of your chosen beneficiary
  3. A minimum of K1.65 worth of airtime, depending on the policy

Then, dial *121# to register and receive the policy number.


  1. MTN Zambia Life After Life is a funeral cover provided by SANLAM and is accessible via the MTN network.
  2. The product is available to all MTN Prepaid and MyChoice Customers, aged between 18 years old and 75 Years old.
  3. Prepaid and MyChoice customers can register or de-register by dialing *121#.
  4. A customer will be required to register at least one beneficiary.
  5. There are four Life After Life policy options:
    Assured Claim Amount (ZMK Monthly Subscription
    K 1 000K 1.65
    K 2 000K 2.71
    K 3 000K 3.86
    K 12 000K 13.78
  6. A customer will be charged the subscription fee in full upon registration, and every 30 days after that.
  7. If a customer has insufficient airtime at the time of subscription, or insufficient airtime for a period of three consecutive months, he/she will be de-registered from the service and all benefits will fall away.
  8. A customer can only re-register with the same policy number by sending a formal letter of instruction to SANLAM. This must be done within 14 days of cancellation.
  9. The policy is a contract between the customer and SANLAM, therefore any claims upon death of the policy holder, or other queries should be directed to SANLAM using the following contact details:

SANLAM LIFE INSURANCE
SANLAM HOUSE, CORNER ITUNA AND NASSER ROADS.
P.O.BOX 31991, LUSAKA ZAMBIA.

A proof of death certificate and a copy of NRC of the registered customer should accompany all claims to ALAZ. The beneficiary will also be required to submit a copy of their NRC.



Q: What are the requirements to sign up for the MTN Life After Life service?

To register the following is needed:

  • You need to be between the ages of 18 and 75 years old.
  • You need to be an MTN Zambia subscriber.
  • Depending on the policy you are interested in, you need to have enough airtime to cover the monthly instalment. The four monthly instalments include: K1.65; K2.71; K3.86 or K13.78.
  • You need to submit your ID number (NRC or passport number).
  • You need to submit details of your chosen beneficiary, which should include their full name and their ID number.
    • Once you have submitted all of the above, you can then access the service using the short code *121# to register and receive the policy number.

      Q: How does the process work?

      To access the service, customer needs to dial *121# which will take them to the main menu and then complete all necessary details as mentioned above.

      The menu will appear as follows:

      Life cover service options:

      • To register
      • Manage beneficiary
      • View information
      • Change premium plans
      • Cancel policy

      Q: Is it possible to edit your beneficiary details?

      Yes, it is possible to change, remove and re-add beneficiary's details by selecting option '2' on the main menu of *121#.

      Q: Is it possible not to add a beneficiary?

      No, a beneficiary must be registered in order to claim on behalf of the deceased from SANLAM.

      Q: How many cover options are there to choose from?

      Four:

      K1 000 (K1.65/month)
      K2 000 (K2.71/month)
      K3 000 (K3.86/month)
      K12 000 (K13.78/month)

      Once confirmed, the airtime charge for the chosen option will be deducted immediately. Each SIM card can only be registered for one policy at a given time.

      Q: What happens if there is insufficient airtime when the monthly instalment is deducted?

      Every signed-up customer will be sent an SMS reminder the day before their instalment is to be deducted, advising them to ensure there is sufficient airtime in their account.

      If a customer does not have sufficient airtime on his/her account, the subscription amount will be carried over to the next month, whereby the system will deduct two months’ worth of instalment.

      If there are still insufficient funds, the outstanding instalment amounts will be carried over into the third month, whereby the system will deduct three months’ worth of instalment, plus charges owed from previous instalment months. Should there still be no available funds, the policy will be deactivated, and all benefits will be forfeited.

      For example:

      The registration date of your policy is 10 March 2012 for cover of K1 000/K1.65 per month:

      1. Your first monthly deduction is due to take place on 10 April 2012, in the case that you do not have sufficient airtime on the deduction date, the system will then try again in the second month.
      2. Your second monthly deduction is due to take place on the 10 May 2012, if you have sufficient airtime the system will deduct the current monthly charge, plus the previous monthly charge (K3.30). Should you still not have sufficient airtime, the system will carry over these two instalment charges into the third month.
      3. The third month's deduction is due to take place on 10 June 2012, the system will therefore try and deduct the owing amount for three months' worth (K4.95) of instalment. If you do not have sufficient airtime (including charges owed for the previous two months) then the system will automatically de-activate the policy, and you will receive a letter from SANLAM within two weeks with confirmation of the deactivation.

      Q: Can I cancel the premium at any time?

      Yes, but once you have cancelled your policy you will not be able to claim back the money that has been deducted from previous months. Reference can be made to Life After Life Terms and Conditions.

      Q: Can I have the premium re-activated using an old policy number?

      A customer can only have their policy re-activated within the two-week period from the date of de-activation, before they have received their official letter of de-activation from SANLAM.

      Q: Who can be contacted for any issues?

      • For any USSD issues dial *121#. For clarification on your details, contact the MTN customer service on 111 and MTN customer care will be able to view your customer information.
      • For any issues pertaining to your policy, you can contact SANLAM:
        • SANLAM LIFE INSURANCE
        • SANLAM HOUSE, CORNER ITUNA AND NASSER ROADS.
        • P.O.BOX 31991, LUSAKA ZAMBIA.