True South Microinsurance Quote Engine

This tool is a True South initiative and freely available for use in microinsurance pricing. The first release of the model, in 2011, was limited to pricing for South African funeral cover schemes only. Since 2014 it is continually being extended for use in a growing list of further African and Indian Ocean jurisdictions. To request a copy, simply email us on

Insurance Gap Study (click here to download)

This study was first sponsored by ASISA in 2007, with subsequent updates in 2010, 2013 and 2016. It investigates the extent to which the South African pre-retirement population’s life and disability cover fall short of the theoretical need.

Disability Market Study (click here to download)

FMI retained True South to consider the efficiency of the South African insurance market in its provision of disability cover. The original study showed how critically exposed our working population is due to having too little cover and with much of what is in place, being of the wrong type. The 2015-update considers how the market has changed since the original study.

Premium Pattern Study (click here to download)

Brightrock sponsored this study to assess the consumer implications of various premium pattern options that are available from South African life insurers. Given the vast extent of choice on offer, the study highlighted the importance of advice to avoid wrong choices!

True South Accident Table (click here to download)

Given the lack of an accidental death mortality table in the public domain, True South initiated the process to derive a graduated table from publically available information. The table is updated annually with the latest national cause of death data from Statistics SA.


The content above and on the rest of this site is not, nor is it intended to be, advice as defined in the Financial Advisory and Intermediary Services Act, 37 of 2002, or any other financial, investment, trading, tax, legal, accounting, retirement, actuarial or other professional advice or service whatsoever. You have to obtain your own advice prior to making any decision or taking any action whatsoever based hereon and True South disclaims any liability for any direct, indirect or consequential damage or losses that you may suffer from using or relying on the information contained herein even if notified of the possibility of such damage or loss and irrespective of whether or not you have obtained independent advice. True South expressly disclaims any liability for any damage or loss as a result of errors or omissions in the information, data or views contained or expressed herein even if notified of the possibility of such damage or loss.

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