OUTsurance Life
You always get something OUT - with OUTbonus rewards
OUTsurance is known for their hassle-free direct insurance and the famous OUTbonus - cashback rewards for not claiming. Their life insurance follows the same simple, transparent approach.
With cover up to R10 million and no blood tests required for cover up to R5 million, OUTsurance makes getting life insurance quick and easy. Their direct model means competitive pricing without broker fees.
At a Glance
R10M
Max Cover
From R80
Per Month
R5M
No Blood Tests
OUTbonus
Cashback
Key Benefits
No Blood Tests Up to R5M
For cover up to R5 million, you only need to answer health questions - no medical tests, needles, or hassle.
OUTbonus Rewards
You always get something OUT. Earn cashback rewards for not claiming on your policy.
Quick Claims
OUTsurance is known for fast, hassle-free claims. Life claims are typically paid within days.
Direct Model = Lower Costs
No broker fees or commissions built into your premium. You deal directly with OUTsurance.
Simple Products
Straightforward life cover without complicated options or confusing terms.
You Always Get Something OUT
OUTbonus is OUTsurance's unique cashback reward - you get money back for not claiming.
Up to 15%
Cashback annually
3 Years
Qualify period
Cash
Paid to you
* OUTbonus is paid from year 3 onwards if you haven't claimed. Percentage varies by product.
Cover Options
Life Cover
- Cover up to R10 million
- Lump sum payout on death
- No blood tests up to R5M
- OUTbonus rewards
Funeral Cover
- Cover up to R100,000
- 48-hour claim payout
- Cover whole family
- No waiting period on accidental death
Pros and Cons
Pros
- No blood tests up to R5M
- OUTbonus cashback rewards
- Quick and easy claims
- Competitive pricing (direct model)
- Simple, straightforward products
- Good customer service reputation
Cons
- Lower maximum cover than specialists
- Limited add-on options
- No premium discount for healthy living
- Direct model not for everyone
- Basic product features
How to Apply
Call or Go Online
Call 08 600 60 000 or get a quote on the OUTsurance website.
Answer Health Questions
Complete a simple health questionnaire. No blood tests for cover up to R5 million.
Get Your Quote
Receive your premium instantly and decide if it's right for you.
Start Cover
Accept and your cover starts immediately. Premiums debit monthly.
Frequently Asked Questions
How does OUTbonus work?
If you don't claim on your policy for 3 years, you'll start receiving annual cashback payments (OUTbonus). The percentage varies but can be up to 15% of premiums paid.
Why no blood tests?
OUTsurance uses advanced underwriting technology to assess risk from your health questionnaire alone, making the process faster and more convenient for cover up to R5 million.
Is OUTsurance reliable for claims?
Yes, OUTsurance has an excellent reputation for quick, fair claims. They're known for paying claims within days, not weeks.
Important Information
- • OUTsurance Life is a licensed life insurer and FSP.
- • Premiums depend on age, health, and cover amount.
- • Full disclosure of health conditions is required.
- • OUTbonus is subject to terms and conditions.