Country: South Africa 
Year: 2009
- New product offering targeting suffering from HIV
- Offer additional banking services to insurance coverage
- Use SMS to contact clients is a good way to connect people and ensure a recurring follow up
Concept
- AllLife has created a product for the people suffering from HIV, in opposition to other companies who limit their offer to funeral insurance for this segment of customers.
- By subscribing to this insurance, clients have to make regular blood tests and to follow a therapy.
- AllLife checks that his clients are respectful of their treatment (recurring visits to medical professionals) . All Life send to the client an SMS reminder of their medical meetings. They are called to order when they miss the meetings.
- The insurance fees are 2 to 5 times higher than standard insurances ($40 by month to have a $40 000 cover)
- At the same time, clients can access to several services. They can subscribe to a mortgage or start their own firm.
- Results have shown positive benefits : + 15% of Alllife subscribers have shown a better health within 6 months