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Insurance & Risk

Protecting your life, business, and future.

We partner with Liberty Life, Hollard, Salam, PPS, Momentum and Discovery to provide life assurance solutions that protect your loved ones and secure your financial legacy.

​Protecting your family and securing your future starts with the right risk cover. Investiplan offers a full suite of personal risk solutions:

 

Life Insurance

Provides a lump sum or income to your family if you pass away, covering:

  • Housing, transport, and daily living expenses

  • Debt, loans, executor fees, estate duty & taxes

  • Ongoing income for dependents

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Disability Cover

Capital Disability: A lump sum if you are permanently unable to work, helping you cover debts, housing, and living costs.
Income Disability: Provides a monthly income if illness or injury prevents you from earning.

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Impairment Cover

Pays a lump sum if a physical or mental impairment affects your ability to earn an income.

  • Use funds for home adjustments (e.g., wheelchair ramps) or lifestyle support.

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Critical Illness Cover

Pays a lump sum if you are diagnosed with a serious illness, helping you:

  • Cover medical costs not paid by medical aid

  • Make lifestyle adjustments and hire support services

  • Focus on recovery without financial strain

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Funeral Cover

Provides fast financial support for funeral expenses, usually paid within 48 hours of receiving the death certificate.

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Business & Professional Assurance

With 30+ years of experience, we help protect businesses, owners, and key employees with:

  • Buy & Sell Agreements (including tax planning)

  • Key Person Cover

  • Debt and Loan Protection

  • Commercial Insurance

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Short-Term Insurance

We recommend affordable, reliable cover that pays claims and reduces long-term costs:

  • Personal and commercial insurance

  • Premium structures that grow below inflation

  • Clear advice to make informed decisions

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Employee Benefits

We design effective employee benefit structures and group risk solutions underwritten by Sanlam, Liberty, and Discovery.

  • Pension and retirement benefits

  • Group risk and funeral cover

  • Cost-effective medical underwriting

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