This document discusses reaching the uninsured population in Africa through innovative life insurance products. It notes that while Africa has a large population, insurance penetration is very low at just $61 per capita compared to $640 globally. The target market of 200 million Africans earning over $20 per day could afford basic insurance. Current coping mechanisms for risk include informal savings groups. Successful microinsurance requires flexible premiums, simple products, and leveraging technology for distribution and claims. Funeral plans bundled with other products show promise as an entry point since death claims are easier to verify. Overall, disruption in the insurance industry is expected, and innovative solutions are needed to provide value and entice the large uninsured population in Africa.