EL
Emerald Life
Unclaimed Business
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AI Review Summary
Based on recent customer reviews, Emerald Life receives overwhelmingly negative feedback centered on claims not being paid out, unauthorized deductions from SASSA grants and salaries, and alleged exploitation of vulnerable pensioners. Customers repeatedly describe rude and unhelpful consultants, poor communication during the claims process, and suspicious beneficiary changes. Multiple reviewers report policies being opened without consent, with premiums deducted from elderly family members who were unaware. Only one reviewer reported a smooth, timely claims experience, praising a specific consultant by name.
Performance(last 12 months):
TrustIndex
0
Ranking
#49
in Insurance
NPS Score
-100
Recommended: Unlikely
Review Distribution
1.5|24 Reviews
May '25 - Apr '26
5(12.5%)
4(0%)
3(0%)
2(4.2%)
1(83.3%)
5(12.5%)
4(0%)
3(0%)
2(4.2%)
1(83.3%)
Frequently Asked Questions About Emerald Life
Based on recent customer reviews, Emerald Life receives overwhelmingly negative feedback centered on claims not being paid out, unauthorized deductions from SASSA grants and salaries, and alleged exploitation of vulnerable pensioners. Customers repeatedly describe rude and unhelpful consultants, poor communication during the claims process, and suspicious beneficiary changes. Multiple reviewers report policies being opened without consent, with premiums deducted from elderly family members who were unaware. Only one reviewer reported a smooth, timely claims experience, praising a specific consultant by name.
Emerald Life has a TrustIndex of 0 out of 10 on Hellopeter, based on 24 reviews in the last 12 months. Hellopeter has tracked Emerald Life across 212 total reviews. How is the TrustIndex calculated? →
Recent reviews (24)
Used this business recently? Share your experience to help others decide.
Used this business recently? Share your experience to help others decide.
Share Your ExperienceMM
M
MajikelaNoluthando
1 reviews | Active since Jan 2020
23 Jan 2026, 07:59
Hi I'm Noluthando Ga...
Hi I'm Noluthando Gashe - Majikela having problem with Emerald Insurance put a funeral claim on them but they they declined my claim bt I meet the requirements all documents were there bt they dnt pay my claim
Helpful (0)
|Replies (0)M
MajikelaNoluthando
1 reviews | Active since Jan 2020
23 Jan 2026, 07:59
Hi I'm Noluthando Ga...
Hi I'm Noluthando Gashe - Majikela having problem with Emerald Insurance put a funeral claim on them but they they declined my claim bt I meet the requirements all documents were there bt they dnt pay my claim
0
Replies (0)NS
Nosiphelo S
1 reviews | Active since Jan 2020
21 Jan 2026, 13:14
Delayed payout
As a Skilly family we are very disappointed with the service received. Since last week we submitted the claim and nothing was communicated with us till we went on Monday only we were told there is an ID copy missing, so no one cares now because there will be no premiums to be received moving forward. We cannot be stressing about losing a loved one and stress about money, are you taking the older individuals for a fool when you asked them to sign up with your company? Please have this sorted today before I make an announcement to social media about your company. Please call - 0784802247
Helpful (0)
|Replies (0)NS
Nosiphelo S
1 reviews | Active since Jan 2020
21 Jan 2026, 13:14
Delayed payout
As a Skilly family we are very disappointed with the service received. Since last week we submitted the claim and nothing was communicated with us till we went on Monday only we were told there is an ID copy missing, so no one cares now because there will be no premiums to be received moving forward. We cannot be stressing about losing a loved one and stress about money, are you taking the older individuals for a fool when you asked them to sign up with your company? Please have this sorted today before I make an announcement to social media about your company. Please call - 0784802247
0
Replies (0)VlVl
Victoria lohabe Victoria lohabe
1 reviews | Active since Jan 2020
14 Jan 2026, 07:12
Bad service
Very poor they opened a policy for my brother without his knowledge who is disabled cannot make even a call. i am fighting to cancel the policy They are debiting his sassa money
Helpful (0)
|Replies (0)VlVl
Victoria lohabe Victoria lohabe
1 reviews | Active since Jan 2020
14 Jan 2026, 07:12
Bad service
Very poor they opened a policy for my brother without his knowledge who is disabled cannot make even a call. i am fighting to cancel the policy They are debiting his sassa money
0
Replies (0)ZS
Zandile S
1 reviews | Active since Jan 2020
18 Nov 2025, 18:44
Bad experience 😪
My father has joined Emarald Life as a pensioners. When he passed in September , we went and claim his policy to Emarald Life . Yhoo the way they gave us hard time to ask how dd he die and so on . Even today we never received 💔 😢 his Claim . I want help for legal action to proceed for my father's claim.
Helpful (0)
|Replies (0)ZS
Zandile S
1 reviews | Active since Jan 2020
18 Nov 2025, 18:44
Bad experience 😪
My father has joined Emarald Life as a pensioners. When he passed in September , we went and claim his policy to Emarald Life . Yhoo the way they gave us hard time to ask how dd he die and so on . Even today we never received 💔 😢 his Claim . I want help for legal action to proceed for my father's claim.
0
Replies (0)TP
Thandiwe P
1 reviews | Active since Jan 2020
5 Nov 2025, 13:03
*****ulent Policy and Urgent Request to Correct Beneficiary – Emerald Life
My name is Lindelwa Sijentu one of Ms. Nowisile Cordelia Sijentu’s daughters, and I am writing to raise a very serious and painful concern regarding my mother’s funeral policy with Emerald Life. Some time ago, two ladies from Emerald Life visited my mother and her sister at home and convinced them to take out funeral policies. Unfortunately, they were misled into opening these policies. When we later reviewed my mother’s policy, we discovered that the beneficiary listed under her name was a person called Mlamli Sijentu from Tsakane, someone we do not know and have no family relationship with whatsoever. We immediately contacted Emerald Life to understand how this happened. The company insists that my mother “consented” to this, but that is impossible. How can she have knowingly assigned a complete stranger as her beneficiary? This is highly suspicious and feels *****ulent. What makes this situation even more heartbreaking is that the policy premiums are being deducted from my mother’s old age grant every month. She has been paying for years. We decided to keep the policy active but requested to change the beneficiary to one of her biological daughters, Ms. Andiswa Patricia Sijentu, so that the funds go to the rightful family. We were told that my mother must make this change herself. Unfortunately, she is currently hospitalized, having suffered a stroke and developed a blood clot in her brain. She is in no condition to make calls or handle any administrative matters herself. As her children, we are willing to provide every necessary document including her ID, medical proof, and affidavits to verify our relationship and assist in correcting this issue. We are urgently appealing to Emerald Life to: Investigate how this unknown individual, Mlamli Sijentu, was added as a beneficiary. Allow the family to update the beneficiary to Ms. Andiswa Patricia Sijentu with ID 8504140320089 Ensure that no payout is made to anyone outside the immediate family. This situation has caused our family enormous emotional distress. It is devastating to see our mother’s hard-earned pension money being taken for a policy that was clearly mishandled and possibly opened under *****ulent circumstances. Main member name and ID: Nowisile Cordelia Sijentu 5012190689083 *****ulent Beneficiary: Mlamli Sijentu from Tsakane We hope that Emerald Life will handle this matter with urgency, integrity, and compassion, and assist us in ensuring that our mother’s policy rightfully benefits her children.
Helpful (0)
|Replies (0)TP
Thandiwe P
1 reviews | Active since Jan 2020
5 Nov 2025, 13:03
*****ulent Policy and Urgent Request to Correct Beneficiary – Emerald Life
My name is Lindelwa Sijentu one of Ms. Nowisile Cordelia Sijentu’s daughters, and I am writing to raise a very serious and painful concern regarding my mother’s funeral policy with Emerald Life. Some time ago, two ladies from Emerald Life visited my mother and her sister at home and convinced them to take out funeral policies. Unfortunately, they were misled into opening these policies. When we later reviewed my mother’s policy, we discovered that the beneficiary listed under her name was a person called Mlamli Sijentu from Tsakane, someone we do not know and have no family relationship with whatsoever. We immediately contacted Emerald Life to understand how this happened. The company insists that my mother “consented” to this, but that is impossible. How can she have knowingly assigned a complete stranger as her beneficiary? This is highly suspicious and feels *****ulent. What makes this situation even more heartbreaking is that the policy premiums are being deducted from my mother’s old age grant every month. She has been paying for years. We decided to keep the policy active but requested to change the beneficiary to one of her biological daughters, Ms. Andiswa Patricia Sijentu, so that the funds go to the rightful family. We were told that my mother must make this change herself. Unfortunately, she is currently hospitalized, having suffered a stroke and developed a blood clot in her brain. She is in no condition to make calls or handle any administrative matters herself. As her children, we are willing to provide every necessary document including her ID, medical proof, and affidavits to verify our relationship and assist in correcting this issue. We are urgently appealing to Emerald Life to: Investigate how this unknown individual, Mlamli Sijentu, was added as a beneficiary. Allow the family to update the beneficiary to Ms. Andiswa Patricia Sijentu with ID 8504140320089 Ensure that no payout is made to anyone outside the immediate family. This situation has caused our family enormous emotional distress. It is devastating to see our mother’s hard-earned pension money being taken for a policy that was clearly mishandled and possibly opened under *****ulent circumstances. Main member name and ID: Nowisile Cordelia Sijentu 5012190689083 *****ulent Beneficiary: Mlamli Sijentu from Tsakane We hope that Emerald Life will handle this matter with urgency, integrity, and compassion, and assist us in ensuring that our mother’s policy rightfully benefits her children.
0
Replies (0)tM
tshifhiwa M
1 reviews | Active since Jan 2020
4 Nov 2025, 08:21
emerald life is a ****
this people opened a life policy on behalf of my granny who is 95 old ,like there was no documentation done or signed ,they are busy deducting her money, like how do u go take advantage of grannies, now I'm calling them they can't even give me a copy of a policy as a proof, why are you ****ing people?
Helpful (0)
|Replies (0)tM
tshifhiwa M
1 reviews | Active since Jan 2020
4 Nov 2025, 08:21
emerald life is a ****
this people opened a life policy on behalf of my granny who is 95 old ,like there was no documentation done or signed ,they are busy deducting her money, like how do u go take advantage of grannies, now I'm calling them they can't even give me a copy of a policy as a proof, why are you ****ing people?
0
Replies (0)mK
mercy K
1 reviews | Active since Jan 2020
29 Oct 2025, 09:19
Emereld life !!!!need to be stopped asap or reviewed by Ombudsman
Please please,ombutsman or gov,Tv reporters, please this company is taking R120 from our vulnerable pensioners.they going in these houses when there is no other audult or family members and sign up these pensioner .take Up to r120 from they pension every month for R6000 when they die.What on earth can you do with R6000 for a loved one funeral.....or they dont even pay out a cent ...please help us to stop this kind of abuse.Some Ceo is getting stinking rich with the poors money.Give them at least R10000 or R15000 for a decent funeral
Helpful (0)
|Replies (0)mK
mercy K
1 reviews | Active since Jan 2020
29 Oct 2025, 09:19
Emereld life !!!!need to be stopped asap or reviewed by Ombudsman
Please please,ombutsman or gov,Tv reporters, please this company is taking R120 from our vulnerable pensioners.they going in these houses when there is no other audult or family members and sign up these pensioner .take Up to r120 from they pension every month for R6000 when they die.What on earth can you do with R6000 for a loved one funeral.....or they dont even pay out a cent ...please help us to stop this kind of abuse.Some Ceo is getting stinking rich with the poors money.Give them at least R10000 or R15000 for a decent funeral
0
Replies (0)