Life assurance is a foundational component of a well-rounded financial plan.  It offers more than just a payout at the end of a client’s life; it is a powerful tool for protecting, building, and even transferring wealth across generations.  It provides the essential protection that investments alone cannot offer.

Modern policies offer much more than a death benefit.  It includes living benefits such as critical illness and disability cover; features that offer financial support when it’s needed most – during the policyholder’s lifetime.

• Impairment Cover

Financial support in the case of an impairment or temporary disability.

•  Disability Cover

Provision in the event of a more serious and permanent disability.

• Income Protection

Provision of an income during sickness and/or disability and optional provision for overhead expenses for entrepreneurs.

•  Severe Illness Cover

Pay outs when life happens, like heart attacks, strokes, cancer and many other serious conditions.

• Cancer Cover

Current statistics prove that one in three men and one in four women are affected by cancer in their lifetime making financial provision almost mandatory.

Protection of your assets by covering your house, the contents, vehicles, all risks, etc. against the perils of life.

Covers many sections of businesses i.e. Fire, Buildings, Office Contents, Stock, Business Interruption, Liability, Employer’s Liability, Theft, Money, Glass, Machinery Breakdown, Electronic Equipment, Goods in Transit, Vehicles, etc.

Cover for both in- and out of hospital medical expenses as well as chronic illnesses.

Cover for in-hospital medical expenses from admission to discharge as well as chronic illnesses.

Health insurance provides affordable cover for private primary healthcare that meets day-to-day needs, such as a consultation with a nurse or GP with access to medicine.  Some plans offer an additional trauma benefit that covers you at a private hospital facility in the case of an accident or emergency.

Pays the difference of medical expenses incurred after medical plan pay outs.

Covers the cost of the family’s medical scheme contributions for up to 10 years in the event of death, disability or severe illness.

Access to the most advanced international healthcare for each family member, giving the best possible chance of survival.

Cover between business partners that provides the surviving business partner with funds to buy out the share of a deceased or incapacitated partner, preventing financial strain on the business and ensuring continuity.

Cover between business partners that provides the surviving business partner with funds to buy out the share of a deceased or incapacitated partner, planned business take-overs, preventing financial strain on the business and ensuring continuity.

Cover to protect the expenses and revenues of event planners, broadcasters, sponsors, brands, exhibitors or even private individuals, should the unforeseen occur.

Credit life protects against a borrower's death, disability, or retrenchment by paying off the outstanding loan amount or financing to the credit provider.

A plethora of accumulative wealth building plans as well as income plans are available for all ages and investment risk appetites.

Grow your money faster with a Tax-Free Savings Plan. Enjoy flexible contributions, zero tax on interest or withdrawals, and peace of mind for your future.

Protect your wealth with a Capital Preservation Plan designed to safeguard your hard-earned assets while delivering steady, reliable growth.

Saving up funds for education costs, especially tertiary education.

Securing your child’s education in global terms, by ensuring your children have access to private education if you suffer a life-changing event.  It covers the costs of pre-school, primary, secondary and tertiary schooling, with global cover at some of the best international universities as an option.

Savings plans that builds wealth for children for their later years.

Yes, parents can start retirement plans for their children from newborn up to retirement age, accumulating millions of Rands due to compounding.

This benefit covers cancers that are specific to women, and osteoporosis. There are also other benefits for the family and children.

Financial support when life takes an unexpected turn. Our Family Trauma Benefit helps cover expenses during serious illness, accident, or loss—so you can focus on healing.

Many children are affected and impacted by severe illnesses, causing this benefit to make real sense, since it pays out when a child suffers a severe illness, like cancer or an auto-immune condition.

Ease the financial burden during a difficult time. Our Funeral Benefit provides immediate funds to cover funeral and related expenses, so your family can focus on healing.

Covers pregnancies pertaining to triplets and quadruplets, etc.

Advanced payout of death benefit on diagnosis of a terminal illness.

The importance of a will is often overlooked or sometimes just negligently ignored.  An up-to-date will helps settle affairs and support surviving family members financially.  At its core, a will enables you to nominate an Executor  (other than the State) and heirs of your choice, avoiding the strict rules of intestacy and ensuring that your wishes are carried out. It protects the interests of your heirs, e.g. by appointing a guardian for minor children and a professional trustee to administer their inheritance. If you own a business, it protects your family against debt liability.

Testamentary trusts created at death make provision for the protection of the inheritance of children under 18.  There are various types of trusts, other than a deceased trust for children.

The administration and winding up of deceased estates is handled by our expert legal team.

The plan offers rich pay outs up to and even beyond combined insurance expenditure (short-term insurance, medical plan, Gap cover, etc.) back into your bank account every month.

• It is free!  No monthly subscriptions or “membership fees”.

• The plan does not affect your cover, nor is it affected by any claims experienced.

• Only products from top product providers in South Africa apply.

• There are various plan and payout options available for both the insured and the un-insured.

• Short-term to Wealth (St2W) provides an excellent opportunity to save and earn extra income to achieve financial goals!

 Contact us today!