For Africans living in the United Kingdom, managing a diaspora insurance policy should not require phone calls to South African offices during business hours, paper forms, or navigating a website built for a different market. It should work from your phone, in the moments that suit your life, with clear information about the coverage that protects your family.
The Mutual Life Africa app is built around this principle. It is the primary interface between UK policyholders and their Mutual Life Africa policy — from the moment of application through every update, payment, and interaction across the policy’s lifetime.
Apply for Cover in Under Ten Minutes
The complete application process — selecting your currency, choosing your plan, adding your family members, and paying your first premium — can be completed entirely within the app in under ten minutes.
Select GBP as your currency if you are in the UK. Choose your plan: Single for up to eight family members in one African country, Extended for up to ten members across multiple countries, or Max for up to fifteen members. Add each family member with their name, date of birth, country of residence, and relationship to you. Complete payment via PayPal. Your policy is activated immediately and your waiting period begins the same day.
No paperwork. No branch visit. No forms sent by post. Your policy is active on your phone.
Manage Your Covered Family Members
Your family situation changes over time. The app allows you to add new family members as your family grows, update existing member details when circumstances change — a parent relocating from one African country to another, a name change after marriage — and view your complete covered member list with each person’s details.
This is particularly critical for managing the age 70 deadline. You can see each family member’s date of birth in the app and act before any member approaches the age limit for new additions.
Track Payments and Policy Status
The app shows your complete premium payment history, your next payment due date, your policy activation date, and your current policy status. If your linked PayPal payment method is approaching expiry, you will see this in the app and can update it before a payment fails.
Access Your Policy Documents
All policy documentation — your policy certificate, terms and conditions, covered member confirmation — is stored in the app and accessible at any time from anywhere in the world. No paper files to maintain. No emails to search.
Chat with Clara — Mutual Life Africa’s AI Insurance Assistant
The app includes Clara, Mutual Life Africa’s AI-powered insurance assistant. Clara is available 24 hours a day, seven days a week, connected to your actual account. She can answer specific questions about your policy, explain insurance terms in plain language, guide you step by step through the claims process, and help you understand the difference between plan tiers.
When a family health situation arises at 11pm on a Sunday in Birmingham and you need to know when your waiting period ends, Clara is available. She does not have office hours.
Send Airtime to Family in Africa
The app’s Send feature lets you top up mobile airtime for family in over 43 African countries directly from your phone — covering MTN Nigeria, Safaricom Kenya, Vodacom South Africa, Econet Zimbabwe, Orange Senegal, and many more. Airtime is delivered to the recipient within minutes via PayPal payment.
Earn Through the Referral Programme
Your unique referral link is in the app under the Referrals section. Share it with uninsured community members to earn 200 points per qualified referral, redeemable for cash payouts.
Download the Mutual Life Africa app on Android. Apply at mutuallife.africa.