OUTsurance Helps You When You Can’t Work

OUTsurance launched in 1998, and the financial services provider are always making news with their affordable insurance products. They put in a lot of effort to make life in South Africa easier for everyone. And, more specifically, they aim to help those who are less fortunate.

With a slogan that says ‘you always get something OUT’, OUTsurance entered the life insurance market in 2010. OUTsurance’s fully underwritten life insurance provide customers with a wide variety of products. And these include comprehensive death, critical illness and disability cover. Also they allow you to purchase up to R16 million in cover.

OUTsurance Helps You – What if you become Disabled?

Firstly, OUTsurance can offer cover for your unique life insurance needs and which is affordable to you. OUTsurance say you need cover even if you don’t have dependents. What if you become disabled and you can no longer work? How will you pay outstanding debt you may have and how will you care for yourself? At least if you have life insurance in place, your future will be secure in terms of having the money to OUTsurance Helps Yousurvive if you do become disabled.

Not only that, even if you are single, there are still good reasons to have life cover. When you buy your first home the banks will require some kind of financial security on these assets.

OUTsurance claims that it isn’t a case of whether you need life cover or not. Rather it depends on how much you need just to maintain your current standard of living.  OUTsurance provide a life insurance calculator on their website for you to get a rough estimate on what your requirements are and what you can afford.

OUTsurance Helps You – The Popular OUTbonus

What people appreciate about life insurance with Outsurance, is that they truly live up to their slogan of you always get something out. Their life cover comes with perks, and one of these is their fantastic OUTbonus. This is where you will get back ALL of your paid life insurance premiums back in cash if you don’t put in a claim for 15 consecutive years. You don’t have to select this product option –  you can rather reduce your monthly premiums on average by one third. Once you receive your OUTbonus, your life insurance cover just continues as usual.

OUTsurance Helps You – Flexible Payment Structures

In any case, the insurer bases your life insurance premium on your risk profile. If you are low risk, you’ll pay far less for life cover. Their death cover is for anyone between the ages of 18 and 65. The insurance giant also offers flexible payment structures to accommodate your unique circumstances.

If you are diagnosed with a terminal illness with less than a year to live, OUTsurance will pay out 50% of the total insured amount .You can also choose a  specific time  period that you want to be covered and which works well for you – anything from 5 – 25 years or right up till the time that you actually pass away .

OUTsurance Helps You – OUTsurance Makes things Happen

Not only that, OUTsurance may require a medical test from you but if you are already stressing about having to part with R300-R400 for a consultation with a doctor and even more for blood tests at a lab,  you needn’t. This is because this company will send a nurse to your home to do the necessary blood tests and you don’t part with one cent!  Some of the other perks you benefit from is that premiums are guaranteed for 5 years and increase on average at 6% per year.

The difference with OUTsurance when you compare them to other insurance companies is that they are far more personalised. They deal with each client on a one-on-one basis, listening to their unique life situations and establishing life insurance premiums on this knowledge.

Guaranteed premiums, a fantastic claims processing service and that awesome cashOUTbonus – what on earth is holding you back from going with the cream of the crop?


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All info was correct at time of publishing