Great benefits designed to make your life easier

Although we can't prevent what life has in store for you, the very least we can do is to make sure that your family will be provided for financially if you're no longer able to do so. Your premium is based on your unique risk profile which means that, if you’re a low-risk client, you may just end up paying significantly less on your premium. We believe that you should benefit from your Life cover which is why you’ll receive all your paid Life premiums back in cash if you remain claim-free for 15 years!

Terminal illness benefit

If you’re diagnosed with a terminal illness with less than a year to live, we will pay out 50% of the total insured amount (maximum limit of R1 million applies).

Premium based on your specific risk profile

Did you know that we base your life insurance premium on your specific risk profile? This means that if you’re a low-risk client, you'll actually pay much less than somebody else who is a higher risk. 

Premium guaranteed for five years

At OUTsurance, we guarantee your life insurance premium for a total of five years.

Flexible premium structures

We thought it best to provide you with flexible premium structures to accommodate your budget. You can choose whether to keep your premium fixed or you can increase your premium on an annual basis.  You can also choose to increase both the OUTsured amount and the premium by a set percentage every year. 

Medical nurse

If, for any reason, you're unable to visit a medical lab to have tests done, we'll see to it that a medical nurse visits you in the comfort of your own home - free of charge!

Comprehensive death cover

Comprehensive death cover

Comprehensive death cover means that we'll pay out the insured amount if you die as a result of any event during the period of cover. 

Receive a terminal illness benefit

Receive a terminal illness benefit

Our comprehensive death cover option also includes a terminal illness benefit which means that if you are terminally ill and have a life expectancy of less than 12 months, you will receive 50% of the sum insured to a maximum of R1 million. 

Own funeral and final expense benefit

Own funeral and final expense benefit

The comprehensive death cover option may also include a funeral and final expense benefit. A part of the sum insured will be paid to a nominated person (as decided by OUTsurance in consultation with the Life OUTsured’s next of kin). Please chat to one of our life insurance consultants to see if you qualify for this benefit. 

Accidental death cover

Accidental death cover

Accidental death cover provides you with a more affordable (but more limited) alternative to comprehensive death cover. In the case of accidental cover, we'll pay out the insured amount if you die as a result of an accident resulting from bodily injury caused by external, violent or accidental means.


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