AllLife is the only South African insurer of people living with HIV/AIDs. Sadly, prior to AllLife, many HIV patients would be told their lives were un-insurable. Now AllLife tells that they can lead long, productive lives – so much so that they’ll insure it.  

AllLife pioneered the “continuous underwriting” process, allowing it to generate strong profits and significant social impact. AllLife’s world-class team and strong strategic plan position it to continue a rapid growth trajectory – its client base grew by 200% last year.

AllLife targets reaching 50,000 HIV+ and diabetic policyholders in just a few years, generating strong profits and significant social impact. In total, 250,000 policyholders and dependents will enjoy the financial security that insurance provides. 

AllLife has developed a distinctive and profitable business model, reaching customers that other insurers have been unable to access. The market for these products could be over one million customers given the high number of people who are HIV positive in South Africa.

AllLife links insurance products to an adherence management program. The program ensures clients manage their health appropriately, routinely alerting them to potential health concerns and helping them take action to maintain their wellbeing – such as regularly testing and taking anti-retroviral medications. Access to insurance has also been shown to reduce stigma associated with HIV, and measurably improve health outcomes. According to Beerman, the company sees an average 15% improvement in clients’ health, just from having an AllLife insurance policy.