With so many African mobile users switching out SIM cards on a daily basis, how do mobile companies keep their customers loyal? By offering free microinsurance products. There are now more mobile users in Africa than there are in the United States or Europe, as reported by The World Bank and African Development Bank last December. In some African nations, more people have access to a mobile than to safe water, a bank account, or electricity. As a digitally connected lifestyle becomes the norm for many across Africa, it’s not surprising that mobile phone penetration has shot up in the past decade, from 1 percent in 2000 to 54 percent last year. While the growth is good for mobile companies, the fact that many African users switch out SIM cards for cheaper rates is not.