Life Insurance

Term used to describe life insurance or death cover which can provide a cash lump sum in the event of your death. It is there to help ensure that your loved ones are looked after and provided for, even if you are no longer alive and there to help them financially.
Due to Life unpredictability, the thought of leaving your family behind must be taken into serious consideration. Ensuring that your family will still have provision in the event that of your death is the sole priority we ought to adhere to.

Disability Insurance

Lump sum disability cover (also called disability insurance) pays out a fixed cover amount if you are permanently unable to work due to an illness or injury. This is intended to replace a portion or all your future earnings that you may lose, if you are unable to perform your occupational duties.

Health Policies

Medical Cover – Medical aid cover is health insurance. It is simply financial protection against the probable risk of incurring medical expenses during your and your family’s lifetime.

Medical Insurance – Medical insurance plans cover a list of preselected benefits with a monetary value attached to each.

Income Protector

Income protection cover provides an income if you cannot work due to illness, impairment or disability.

Offers protection when you’re permanently or temporarily unable to work in your current occupation.

Cover can pay 100% until retirement.

Funeral Cover

Is a form of insurance that pays a specified amount of money in the event of a death, ensuring that the costs of a funeral will be covered so that family members do not have to struggle financially at this difficult time.

Funeral Plan offers you and your family funeral plans with lump-sum payouts as well as additional benefits.

Credit Life Cover

Protection against larger loans and home loans.


An endowment is a donation of money or property to a nonprofit organization, which uses the resulting investment income for a specific purpose.

Most endowments are designed to keep the principal amount intact while using the investment income for charitable efforts.

Endowments tend to be organized as a trust, private foundation, or public charity

Motor Vehicle Insurance

This cover is for any car, light delivery vehicle, motorcycle, trailer or caravan.

Cover options:

Comprehensive: accidental loss of or damage to your vehicle, including amounts for which you are legally liable to a third party if the liability relates to the vehicle.
Limited (fire, theft and hijacking): accidental loss of or damage to your vehicle, only if the loss or damage is caused by fire, lightning, an explosion, theft or hijacking, attempted theft or hijacking, and amounts for which you are legally liable to a third party if the liability relates to the vehicle.
Third-party only: amounts for which you are legally liable to a third party if the liability relates to the vehicle.

Household Contents Insurance

This cover is for any item in the house i.e

a) Furniture, Appliances car.
b) Covers loss or damage caused by:
   – Fire
   – Explosion
   – Lighting
   – Weather (storms, winds, snow, rain, hail and floods)
   – Water damages caused by geyser( leakingor overflowing of water)
   – Natural disasters (i.e Earth quakes)
   – Attempted theft/theft, malicious damage

Personal Liability Insurance

Personal liability insurance is to cover your client’s legal liability for accidental death, bodily injury, or illness of another person, or for accidental loss or damage to property belonging to another person.

Personal liability insurance cannot be purchased on a stand-alone basis as it included in homeowners and household contents insurance

Cyber Insurance Cover

South Africa is one the leading cybercrime countries in the globe and businesses are always the first target. This cover is targeted to SME’s in the event of cyber-crime:

First party expenses: expenses recovery from cyber-attacks i.e restoration of data, investigations, costs of cyber experts.

Business interruption: Any reduction of profit during the interrupted period due to cyber-crime. Reputation Management: Reputation recovery comes at a cost and this cover is targeted at public relation and brand rebuilding.

Theft of funds: This covers the illegal theft of funds from the enterprise.

Group Risk Solution

Group risk benefits relate to life, disability, health and dread disease insurance.
Employers can purchase the benefits for
their employees as part of a retirement fund or individually.

Death: Lump sum and income-based benefits through various range of life protection products. Benefits are paid upon
death of the main member and/or insured members covered under the policy.
Disability: Lump sum and income-based benefits through various range of disability products. Benefits are paid upon disability or impairment of the main member and/or insured members covered under the policy.

Dread disease: Lump sum and income-based benefits through various range of dread disease. Benefits are paid upon the
diagnosis of a stated dread disease of the main member.

SME Insurance

Elastic numerous line insurance with crucial covers for small and medium sized enterprises. We offer bespoke insurance solutions for

General business risk:
Property Damage: This form covers all damages of company’s physical assets such as material damage either through fire, storm, floods and terrorist acts.
Asset loss and theft: This covers the loss and theft of assets i.e vehicles, machinery, inventory etc
Office Equipment: this covers computers,
cells phones, printers
Business liability: This covers against the litigation and any other similar claims.

Interruptions: This covers against the non-functionality of the business caused by the insured incident.

Our tailored products are designed to add
value, bring peace of mind and protect the
longevity of the business.

Accident and Health

We offer broad group accident and health insurance products that can be designed to meet the changing needs of a variety of clients, from small domestic companies to multinational corporations.

Complementing a General Liability policy by covering injuries under a separate accident policy.

Providing medical benefits to insured members who are injured in a covered accident.

Paying benefits regardless of fault.

Coverage includes the commute between home and place of service, a benefit not typically found in many General liability or Workers’ Compensation programs.

We also have Health and Accident cover for scholars and tertiary students at a very affordable once-off yearly rate, which covers students and school going children in the event of injury on school or university premises and during schooling hours.

Investment Solution

Investing is an effective way to have your money work for you and build wealth.

Investment Accounts:

In a similar way banks have credit, savings, cheque card accounts, there are various type of investment accounts:

General investment account- Short, Medium and Long Term investment objectives. Tax-free investment account – All returns are tax free, this account is befitting for long term investment objectives.

Offshore investment account – Long term investment in foreign currency opens up an opportunity to disperse the investment risk across various geographies and sectors.

The greatest benefit of investing is making money work for you, this is through the power of compounding and the risk-return trade off.

Invest For Income

Investment solely for income generation on regular basis. So, to invest in other alternative investment or to supplement other income.

Annual, bi-annual, quarterly or monthly income Guaranteed income for the term of interest i.e 5 years, 15 years etc Variety of funds to choose from

Save For Investment

Retirement preparation by regular or once off payment so that you can enjoy years of hard work.

Multiple categories for retirement savings:

Retirement Annuity (pension fund- A pension fund, also known as a superannuation fund in some countries, is any program, fund, or scheme which provides retirement income., provident fund- A provident fund is a compulsory, government-managed retirement savings scheme used in Singapore, India, and other developing countries. Perseverance fund- A preservation fund exists to preserve your benefit until you retire)

Retirement annuity- a tax-effective retirement investment, which is designed for individuals who want to save towards their retirement. This can complement your existing pension or provident fund through the

Unit trust funds- A unit trust is an unincorporated mutual fund structure that allows funds to hold assets and provide profits that go straight to individual unit owners instead of reinvesting them back into the fund.

Tax free investment-incentives to encourage household savings. No interest tax, no dividends tax, no capital gains tax – and no exit penalties

Invest For Education

Investment plan that lets you invest in your children’s education from pre-school to tertiary level.

Medical Cover

Tailored investment solution for enterprises: Investment and annuity

Investments: Range of investment portfolio
befitting for SME’s. corporate investment solutions are underpinned by our outcome-based investing (OBI) philosophy. OBI achieves long term results by:
– Reduced Investment Risk
– Looking ahead
– Highest possible

Inflation-targeting Annuities: Annuity options are available that can guarantee income for life,  for a specific period of time, or both. Customized Annuity Policy, that allow employers to provide their employees and pensioners assistance with long-term medical aid contributions.

Buildings Cover

This cover is for the physical buildings and improvements on the land such building(s) are situated on.

The perils covered are but not limited to Fire damage, vandalism as a result of riots and strikes, Acts of nature (e.g. flooding, earthquakes) etc.

Medical insurance

Medical insurance plans cover a list of preselected benefits with a monetary value attached to each.


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