Long-Term Insurance

Protecting your income, your life, your future.

A family walking together hand in hand

Life Cover

Your income doesn't just support you; it supports everyone who depends on you. Life cover ensures that if the worst happens, your family can maintain the life you've built for them.

We compare policies across all major providers to find the best premium and benefit structure for your age, health profile, and financial obligations.

  • Lump sum payout to named beneficiaries
  • Cover for natural and accidental death
  • Options for decreasing or level cover
  • Available through Liberty, Momentum, Sanlam, Discovery, PPS & Old Mutual

Disability Cover

If you became disabled tomorrow and could no longer earn an income, would your lifestyle survive? Disability cover pays a lump sum or monthly income if you're permanently or temporarily unable to work, protecting you, your family, and your business.

  • Occupational and functional disability definitions
  • Lump sum and income-replacement options
  • Particularly important for professionals whose income depends on physical capacity

Income Protection

Your single most valuable asset is your ability to earn. Income protection pays you a monthly salary replacement if illness or injury prevents you from working, so you never have to choose between recovery and paying the bills.

  • Covers up to 75% of your monthly income
  • Short-term and long-term waiting period options
  • Especially critical for medical professionals and business owners

Critical Illness Cover

A serious diagnosis changes everything. Critical illness cover provides a tax-free lump sum if you're diagnosed with a covered condition such as cancer, heart attack, or stroke, giving you the financial freedom to focus on recovery, not expenses.

  • Cover for major conditions including cancer, heart disease, stroke and more
  • Lump sum paid directly to you on diagnosis
  • Supplement your medical aid and income protection
Short-Term Insurance

Cover for what you've worked for.

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Home, motor & assets

Your home, car, and belongings represent years of hard work. We ensure they're properly covered against theft, accident, and damage, and that when you need to claim, the process is as smooth as possible.

  • Motor vehicle insurance
  • Household and home contents cover
  • All-risk and portable possessions cover
  • Commercial short-term insurance for business assets
Estate Planning

Make sure your wealth goes where you intend.

Family heirlooms: a charm bracelet, wedding photograph and rings

Protect your estate and your family

What happens to your estate when you're gone? Without a valid will and a clear estate plan, the people you love can face months of legal complexity, unnecessary taxes, and financial hardship at the worst possible time.

We work with you to ensure your estate is structured correctly, so your wealth goes exactly where you intend, and your family is protected.

  • Will drafting and review
  • Estate duty and capital gains tax planning
  • Beneficiary nominations and trust structures
  • Buy-and-sell agreements for business owners
What happens if you die without a will in South Africa? Read the guide
Medical Aid & Healthcare

The right plan for your health and your budget.

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Compare schemes with confidence

Choosing the right medical aid is one of the most important financial decisions you'll make. We compare options across major schemes and help you select the plan that balances comprehensive cover with cost-effectiveness for your health needs and life stage.

  • Hospital plans, comprehensive plans and gap cover
  • Comparison across major schemes
  • Annual review of your current plan
PPS · Professional Provident Society

Specialists in the PPS product range.

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Maximise your PPS membership

PPS is one of the most powerful financial tools available exclusively to graduate professionals. As specialists in the PPS product range, we help medical doctors, dentists, attorneys, engineers and other qualifying professionals maximise their PPS membership benefits, from life cover and disability to investments and profit share.

  • Life, disability and income protection through PPS
  • PPS Investments and Retirement products
  • Annual profit share participation
  • Exclusively available to qualifying graduate professionals
Are you a qualifying professional? Let's review your PPS benefits. Chat on WhatsApp

Not sure where to start?

Most people come to us having been either underinsured for years, or overcharged for cover that doesn't fit their life. A quick conversation with our advisers changes that. No obligation. No pressure.