It would be IMPOSSIBLE to protect yourself and your DEPENDANTS against every potential RISK you face. But if you are going to work hard, borrow or put money aside and INVEST it in EDUCATION, it makes sense to protect that investment as BEST you CAN.

Insurance is a means of PROTECTION from financial loss. It is a form of RISK MANAGEMENT, primarily used to hedge against the risk of a contingent or uncertain LOSS or EXPENSE.

Managing your risk involves a little bit of THOUGHT and PLANNING to identify where you might be vulnerable to loss or damage.

Most of us engage in SIMPLE risk management STRATEGIES every day.

We drive CAREFULLY, put our salaries straight into a bank account, LOCK our house or car when we leave them, and keep our wallets, handbags and mobile phones with us when we go to a cafe or a park.

In insurance terms, THE RISK is the CHANCE something harmful or unexpected COULD happen.

This might involve the LOSS of INCOME, theft, or damage to valuable property and belongings, or it may involve someone DYING or being INJURED.

Insurers ASSESS and price various RISK to work out how much they would need to PAY OUT if a policyholder suffered a loss for something covered by the policy. This helps the insurer determine the amount (PREMIUM) to charge for insurance.

The amount you have to pay is shown in the POLICY SCHEDULE, which the insurer will send you when the cover has been ARRANGED.

Insurance premiums are often OVERLOOKED for opportunities to affect MEANINGFUL SAVINGS but, ironically, this is where savings are the EASIEST to implement. This is due to the COMPETITIVE and ever-evolving nature of the insurance INDUSTRY.

9 out of 10 times you can REDUCE your premiums, or INCREASE your benefits for the same price, by simply ASKING for it.

In light hereof, we OFFER all our clients a voluntary affordability-optimising SERVICE which will enable us to EXPLORE opportunities to put money back in your pocket... money SAVED is as good as money EARNED.

If you HAVE any insurance products (funeral-, life-, medical- or short term cover on a vehicle or property) and would like our squad to REVIEW your current premiums for potential SAVINGS, kindly reach out via the BUTTON below. It will take you less than 1 second and will enable us to PREPARE an Optimisation Indicator © for you.

This process runs PARALLEL and independent from our loan facilitation service and does NOT influence the turnaround time of your FUNDING application.


Life Insurance

LIFE INSURANC pays out a LUMP SUM when you DIE or are DIAGNOSED with a terminal illness, which can be reinvested to PROVIDE your family with an INCOME. It can also be used to SETTLE debt, cover estate duty costs and even funeral expenses.

Funeral Insurance

FUNERAL INSURANCE 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.

Credit Life Insurance

CREDIT LIFE INSURANCE is an insurance product specifically designed to cover the cost of your DEBT if you aren't able to pay it back due to disability, unemployment or death.

Health Insurance

HEALTH INSURANCE is a type of insurance coverage that pays for MEDICAL, SURGICAL, and sometimes DENTAL expenses incurred by the insured. Health insurance can reimburse the insured for expenses incurred from ILLNESS or INJURY, or pay the care provider directly.

Vehicle Insurance

VEHICLE INSURANCE is insurance for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide FINANCIAL PROTECTION against physical damage or bodily injury resulting from traffic collisions and against LIABILITY that could also arise from incidents in a vehicle. Vehicle insurance may additionally offer financial PROTECTION against theft of the vehicle, and against damage to the vehicle sustained from events other than traffic collisions, such as keying, weather or natural disasters, and damage sustained by colliding with stationary OBJECTS.

Property Insurance

PROPERTY INSURANCE is made up of coverages that may help pay to repair or replace your home and belongings if they are DAMAGED by certain perils, such as fire or theft. It may also help COVER COSTS if you accidentally damage another person's property or if a visitor is injured at your home.

Household Insurance

HOUSEHOLD INSURANCE relates to movable POSSESSIONS such as furniture and electrical appliances. This type of insurance COVERS a RANGE of contingencies, including, but not always limited to, theft, acts of nature (such as lightning, storm, flood or snow) as well as DAMAGES caused by fire, power surges and subsidence.

Your Final Wishes

A LAST WILL and TESTAMENT is a legal document that communicates your FINAL WISHES pertaining to assets and DEPENDANTS. A person's last will and testament OUTLINE what to do with possessions, whether the deceased will leave them to another person, a group or donate them to charity, and what HAPPENS to other things he or she is responsible for, such as custody of dependents, and management of accounts and INTERESTS.

A person WRITES a will while he or she is alive, and its INSTRUCTIONS are carried out once the individual dies. A will name a still-living person as the EXECUTOR of the estate, and that person is RESPONSIBLE for administering the estate.