Based on recent customer reviews, Black Cygnet Life earns strong praise for individual consultants such as Sonia Naicker, Deshni Harinarain, Valoshni Gounden and Dolly Mulchand, who are described as patient, compassionate and professional. Bond and life claims, including bereavement payouts, are frequently settled quickly and with genuine humanity. Frustration centres on administration and communication, particularly debit orders processed after EFT payments, unrefunded bank charges, cancellations not actioned and unanswered calls or emails. After sales support and follow through are the clearest weak points against otherwise excellent frontline service.
Replied to 67% of negative reviews
Reply time on negative reviews: 46h 46m
TrustIndex
6
Ranking
#15
in Life Insurance
Reply Time
48h 1m
NPS Score
44
Recommended: Likely
Replied to 67% of negative reviews
Reply time on negative reviews: 46h 46m
Nov '25 - Oct '26
Frequently Asked Questions About Black Cygnet Life
What do customers say about Black Cygnet Life?
Based on recent customer reviews, Black Cygnet Life earns strong praise for individual consultants such as Sonia Naicker, Deshni Harinarain, Valoshni Gounden and Dolly Mulchand, who are described as patient, compassionate and professional. Bond and life claims, including bereavement payouts, are frequently settled quickly and with genuine humanity. Frustration centres on administration and communication, particularly debit orders processed after EFT payments, unrefunded bank charges, cancellations not actioned and unanswered calls or emails. After sales support and follow through are the clearest weak points against otherwise excellent frontline service.
Is Black Cygnet Life trustworthy?
Black Cygnet Life has a TrustIndex of 6 out of 10 on Hellopeter, based on 18 reviews in the last 12 months. They reply to 67% of negative reviews, typically within 46 hours 46 min. Hellopeter has tracked Black Cygnet Life across 159 total reviews. How is the TrustIndex calculated? →
Recent reviews (18)
Used this business recently? Share your experience to help others decide.
Used this business recently? Share your experience to help others decide.
Share Your Experience1 reviews | Active since Jan 2019
Excellent customer care
**★★★★★ Easy switch, big savings** Black Cygnet made changing my home loan insurance straightforward from start to finish. The process was quick, everything was clearly explained, and I'm now paying less than half of what I was paying before. I'd recommend them to anyone with a home loan who wants to cut costs without the hassle.
1 reviews | Active since Jan 2019
Excellent customer care
**★★★★★ Easy switch, big savings** Black Cygnet made changing my home loan insurance straightforward from start to finish. The process was quick, everything was clearly explained, and I'm now paying less than half of what I was paying before. I'd recommend them to anyone with a home loan who wants to cut costs without the hassle.
1 reviews | Active since Aug 2025
Disappointed
I'm unhappy at the treatment I received from the company...I canceled my bond policy because I haven't got a house that I was hoping to get since March they were debiting and I canceled my debit in July in August they still debited I then reversed it...this month they debited me more money than the previous one what kind of **** I they running?...I can't believe I thought they were a good company yet they are ******** me even after I told them I don't have the house they were taking money for?...what kind of ppl are they?
1 reviews | Active since Aug 2025
Disappointed
I'm unhappy at the treatment I received from the company...I canceled my bond policy because I haven't got a house that I was hoping to get since March they were debiting and I canceled my debit in July in August they still debited I then reversed it...this month they debited me more money than the previous one what kind of **** I they running?...I can't believe I thought they were a good company yet they are ******** me even after I told them I don't have the house they were taking money for?...what kind of ppl are they?
1 reviews | Active since Aug 2024
Black Cygnet Life Policy
I've just been assisted by Deshni Harinarain and she was of so much great assistance. Best consultant I have dealt with ever. Patient, calm and very clear when she explains the product to you at your most convenient time... Black Cygnet Life has a Gem of a consultant. I am a very happy client. Thank you very much Deshni Harinarain
1 reviews | Active since Aug 2024
Black Cygnet Life Policy
I've just been assisted by Deshni Harinarain and she was of so much great assistance. Best consultant I have dealt with ever. Patient, calm and very clear when she explains the product to you at your most convenient time... Black Cygnet Life has a Gem of a consultant. I am a very happy client. Thank you very much Deshni Harinarain
1 reviews | Active since Dec 2016
Months of Poor Service, Administrative Errors and No Accountability
After months of trying to resolve this matter directly with Black Cygnet, I feel I have no option but to share my experience. This has never been about avoiding payment. I have always ensured my premiums were paid. After my debit order was returned, I followed the advice given by their consultant made an EFT payment immediately, and sent proof of payment. Despite this, a debit order was still processed, resulting in unnecessary bank charges. Only after querying the charges was I informed that a debit order could not be stopped once submitted and that EFT payments needed to be made several working days before the debit date. This was never communicated to me beforehand. Had it been, the entire situation could have been avoided. To make matters worse, my proof of payment was only allocated later and I continued receiving conflicting information from different consultants. I have repeatedly requested reimbur*****t of the bank charges as they were caused by Black Cygnet's poor communication and administrative delays. Unfortunately, this has been ignored, while I continue receiving unsatisfactory responses instead of answers. This month again , pop was emailed only to find debit order was also taken off and when queried I was advised the reference numbers should have been seperate. Despite the eft I see on 7 July R50.20 was debited from my account without my authorisation ,neither being informed of the deduction.If funds were unaccomodated this would again have resulted in bank charges! All I have asked for is: An explanation as to why debit orders were processed after my EFT payment. Reimbur*****t of the unnecessary bank charges. Assurance that this will not happen again. This isn't about the amount involved it's about accountability and fair customer service. I hope senior management reviews the full history of this matter and ensures that no other customer has to go through the same experience.
1 reviews | Active since Dec 2016
Months of Poor Service, Administrative Errors and No Accountability
After months of trying to resolve this matter directly with Black Cygnet, I feel I have no option but to share my experience. This has never been about avoiding payment. I have always ensured my premiums were paid. After my debit order was returned, I followed the advice given by their consultant made an EFT payment immediately, and sent proof of payment. Despite this, a debit order was still processed, resulting in unnecessary bank charges. Only after querying the charges was I informed that a debit order could not be stopped once submitted and that EFT payments needed to be made several working days before the debit date. This was never communicated to me beforehand. Had it been, the entire situation could have been avoided. To make matters worse, my proof of payment was only allocated later and I continued receiving conflicting information from different consultants. I have repeatedly requested reimbur*****t of the bank charges as they were caused by Black Cygnet's poor communication and administrative delays. Unfortunately, this has been ignored, while I continue receiving unsatisfactory responses instead of answers. This month again , pop was emailed only to find debit order was also taken off and when queried I was advised the reference numbers should have been seperate. Despite the eft I see on 7 July R50.20 was debited from my account without my authorisation ,neither being informed of the deduction.If funds were unaccomodated this would again have resulted in bank charges! All I have asked for is: An explanation as to why debit orders were processed after my EFT payment. Reimbur*****t of the unnecessary bank charges. Assurance that this will not happen again. This isn't about the amount involved it's about accountability and fair customer service. I hope senior management reviews the full history of this matter and ensures that no other customer has to go through the same experience.
1 reviews | Active since Jul 2026
I want to pass along my thanks to Your Team VALOSHNI GOUNDEN always goes an extra mile, remaining helpful, patient, and clear while guiding me through my issue
I want to pass along my thanks to Your Team VALOSHNI GOUNDEN always goes an extra mile, remaining helpful, patient, and clear while guiding me through my issue. It's obvious they truly put the customer first..😊
1 reviews | Active since Jul 2026
I want to pass along my thanks to Your Team VALOSHNI GOUNDEN always goes an extra mile, remaining helpful, patient, and clear while guiding me through my issue
I want to pass along my thanks to Your Team VALOSHNI GOUNDEN always goes an extra mile, remaining helpful, patient, and clear while guiding me through my issue. It's obvious they truly put the customer first..😊
1 reviews | Active since Jul 2026
Top-Tier Service From Valoshni
I had an exceptional experience with Valoshni Gounden at Black Cygnet Life. Her professionalism, deep expertise, and genuinely supportive approach made a massive difference. She takes the time to truly understand your needs and provides highly actionable guidance. I cannot recommend her services highly enough to anyone looking for impactful, top-tier support. Five stars all the way!
1 reviews | Active since Jul 2026
Top-Tier Service From Valoshni
I had an exceptional experience with Valoshni Gounden at Black Cygnet Life. Her professionalism, deep expertise, and genuinely supportive approach made a massive difference. She takes the time to truly understand your needs and provides highly actionable guidance. I cannot recommend her services highly enough to anyone looking for impactful, top-tier support. Five stars all the way!
1 reviews | Active since Jun 2026
This was the worst customer experience I have ever received
This was the worst customer experience I have ever received. There was a call center agent that basically encouraged me to kill myself as he refused to assist me. There were also people laughing in the background when I spoke to the consultant. This happened on Friday the 19'th and they were supposed to get back to me today, but nothing happened. As long as they can take your premium, they don't care about you when you are in need of help.
1 reviews | Active since Jun 2026
This was the worst customer experience I have ever received
This was the worst customer experience I have ever received. There was a call center agent that basically encouraged me to kill myself as he refused to assist me. There were also people laughing in the background when I spoke to the consultant. This happened on Friday the 19'th and they were supposed to get back to me today, but nothing happened. As long as they can take your premium, they don't care about you when you are in need of help.