- We make Insurance simple
Insurance Made Simple
People don’t hate insurance. They hate not understanding it. Simple Life is a digital-first way to understand, calculate, compare, choose and protect — starting with Life & Term insurance, in plain language.
Simple Life is an independent information platform. Products are underwritten by IRCSL-licensed insurance companies.
YOUR FAMILY. YOUR FUTURE.
✓ Clear educational guides
✓ Understand policy features
✓ Make informed choices
Transparent Guidance, No Sales Pressure
Here is what the Simplelife.lk experience feels like like
Simplelife.lk Guide
Online & Ready to Help
✦ LIFE INSURANCE, MADE CLEARER
Protect the people you love. Plan with confidence.
Understand term life insurance and life insurance plans in Sri Lanka. Learn what to look for, explore your protection needs, and make better-informed decisions for your family.
Term Life Insurance
Life cover for a specified period, subject to the policy terms. Designed for people who want to understand how financial protection may help their dependants if they die during the covered term.
- Understand cover amount and policy duration
- Explore family income and dependent needs
- Learn about exclusions and premium conditions
- Check renewal and end-of-term provisions
Other Life Insurance Plans
Explore life insurance policies that may combine protection with savings or other benefits, depending on the product. Features, costs and outcomes vary by insurer and contract.
- Understand protection and savings features
- Learn guaranteed vs. non-guaranteed benefits
- Review fees, surrender values and conditions
- Understand maturity benefits where applicable
✦ Free educational tool
How much life cover might your family need?
Create a starting estimate using your household’s needs. This tool does not calculate premiums or recommend an insurance product.
How Much Life Insurance Do You Need?
Discover an estimated coverage amount to help protect your family's financial future.
01 Your financial details
02 Family protection needs
Enter your estimated amounts in Sri Lankan rupees. All calculations update automatically as you change the values.
Make Your Next Decision an Informed One
Understand your options, explore policy benefits, and prepare the right questions before discussing a life insurance policy.
Term Life Insurance Basics
Understand coverage periods, beneficiaries, premiums, and what happens when your policy term ends.
Read Key QuestionsUnderstand Policy Benefits
Learn how guaranteed benefits, non-guaranteed benefits, and policy illustrations differ.
Explore FAQsPrepare to Compare Plans
Review your budget, protection needs, exclusions, premium commitments, and long-term goals.
View ComparisonClarity first. Your decision stays yours.
Our goal is to make life insurance easier to understand for people in Sri Lanka—without confusing jargon or pressure to choose a policy.
Plain-language education
Understand the terms
Transparent comparisons
See what needs checking
Practical tools
Explore your needs
Responsible guidance
Know who provides advice
What you should expect from us
Clear explanations of policy features and limitations.
Sources and review dates for product-specific information where published.
Disclosure of commercial or referral relationships where applicable.
Honest identification of whether a service is educational or provided through an authorized insurance intermediary.
The Simple Life Experience
We stay hands-on, from first call to claim settled
Get Expert Guidance
Speak with a Simple Life guide to navigate your options effortlessly, with a guaranteed no-spam policy
- 30-min consultation
- Zero cost
- Zero spam
End-to-End Assistance
Get step-by-step support from Simple Life—from your initial consultation to seamlessly connecting you with an IRCSL-licensed insurer.
- Understand insurance basics
- Compare policy options
- Clarify coverage details
- Finalize the right policy
- Fill application with advisor
Lifetime Claim Support
We don't leave you after purchase. Our 24/7 platform support team helps you understand policy terms and guides you through submitting claims to your insurer.
- Cashless help
- Reimbursement
- Ombudsman
People don't hate insurance.
They hate not understanding it.
Insurance is important. But understanding insurance is even more important. You shouldn’t feel pressured into choosing a product you don’t understand — clarity comes before deciding.
Insurance Buying Experience
What customers experience throughout their insurance journey with Simple Life versus other platforms
Simple Life
Other Platforms
Shortlisting
Identifying a policy that best suits your financial & medical needs
Get 2-3 carefully selected policy recommendations, backed by clear explanations tailored to your needs
Minimal or no human guidance, with policies recommended without proper context
Application & Payment
The most critical step – ensuring your application is accurate
Expert assistance with your application
Clear do's and don'ts for declarations
Help you avoid common mistakes
Minimal or no human guidance, with policies recommended without proper context
Insurance Buying Experience
What customers experience throughout their insurance journey with Simple Life versus other platforms.
Shortlisting
Identifying a policy that best suits your financial & medical needs.
- Get 2–3 carefully selected policy recommendations, backed by clear explanations tailored to your needs.
- Minimal or no human guidance, with policies recommended without proper context.
Application & Payment
The most critical step — ensuring your application is accurate.
- Expert assistance with your application.
- Clear do's and don'ts for declarations.
- Help you avoid common mistakes.
- Advisor coordinates with the insurer for you.
- No guidance provided.
- Application mistakes can cause issues later.
- Mistakes may disrupt the claims process.
- No insurer coordination.
Policy Issuance
Here, the insurer evaluates your application.
- Assistance with medical tests.
- Evaluation of counteroffers.
- Resolution of any issues.
- Support throughout the claims process.
- No assistance provided.
- Rejections may require additional follow-up.
- Re-application can take additional time.
- Limited ongoing support.
Choose Simple Life for a Clearer Insurance Journey
Compare policies in plain language and connect seamlessly with IRCSL-licensed insurers—with zero sales pressure.
Frequently Asked Questions
Simple Life helps you make better decisions when buying insurance. That's it. That's all we do.
“Insurance is the only product both buyer and seller hope is never used – but when it is, having the right one is everything.”
~ Inspired by the thinking of Warren Buffett
Ready to Simplify Your Insurance?
Book a call with a non-commissioned Simple Life guide. No pressure, no spam—just clear, plain-language insights — to help you coe your options.
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