Life Insurance
Life, disability and critical-illness cover that protects your family's financial security when it matters most — structured around what they'd actually need.
Personal Short-Term Insurance
Car, household contents, buildings, and personal liability — placed with leading insurers and reviewed regularly so you're never over- or under-insured.
Medical Aid & Gap Cover
The right medical scheme option for your life stage and budget, plus gap cover that closes the difference between scheme rates and what specialists actually charge.
Investments & Retirement
Unit trusts, retirement annuities and structured investment plans built around your goals — with disciplined, long-term advice rather than product-punting.
Estate Planning
Wills, trusts and estate structuring so your assets transfer efficiently and according to your wishes — without leaving your family tangled in administration.
Employee Benefits
Group risk, retirement and healthcare benefits for SMMEs and corporates — helping you look after the people who build your business.
Commercial Short-Term
Comprehensive business insurance — assets, business interruption, liability and specialist policies tailored to how your operation actually runs.
Mining Risk
Specialist cover for mining operations — assets, liability and project exposures in one of South Africa's most demanding risk environments.
Plant All Risk
All-risk protection for owned, hired and leased plant — excavators, cranes, yellow metal — on site, in transit and in storage.
Machinery & Electrical Breakdown
Cover for sudden and unforeseen breakdown of machinery and electrical equipment — including resultant damage and business interruption extensions.
Construction All Risk
CAR cover for contract works, from site establishment to practical completion — contract works, public liability and surrounding property in one policy.
Marine Cover
Marine cargo and goods-in-transit insurance protecting your stock and equipment across road, rail, sea and air — locally and cross-border.
Credit Insurance
Trade credit insurance that protects your business against non-payment by debtors — so one bad debtor can't sink a good business.
Trade Credit Facility with Credit Circuit
Through our partnership with Credit Circuit, qualifying businesses gain access to an approved-buyer trade credit facility: you get extended payment terms aligned to your production cycle, while your suppliers are paid immediately and in full. The facility is off-balance-sheet, requires no collateral or supplier onboarding, and is underpinned by trade credit insurance — a flexible alternative to loans and overdrafts for funding your supply chain.
