Underwritten life insurance

OUTsurance's life insurance product also provides comprehensive death cover (also referred to as life cover) to cover you in the event of death. This includes a terminal illness benefit – where, if you have a life expectancy of less than 12 months, we’ll pay 50% of the Sum OUTsured to a maximum of R1 million. Alternatively, you can take out accidental death cover where we’ll pay out the Sum OUTsured if you die as a result of an accident. 

We designed a life insurance calculator to provide you with an estimate of how much death cover or disability cover you need to maintain your lifestyle or that of your loved ones if you were to become disabled or pass away.

Disability insurance

If you become disabled during the period of cover, we’ll pay out the Sum OUTsured. You can select own occupation cover to enjoy insurance cover even if an illness/injury leaves you permanently disabled and unable to perform your own occupation.

Alternatively, you can choose our own or suitable occupation option where your permanent disability means that you can no longer perform your own or any suitable occupation taking your training, education, ability, and experience into account.