Risk & Estate Planning
Your trusted partner in comprehensive risk and estate planning. Personalised solutions for individuals, families, and businesses — guiding you every step of the way.
Our Target Audience
We specialise in helping individuals and businesses who value long-term financial planning and protection.
Clients with a lifestyle measurement of 4 and above looking to manage and secure their estate, assets, liabilities, and business interests.
Clients looking to review, upgrade, or expand their coverage to ensure it still meets their current needs and circumstances.
Individuals and businesses seeking guidance on comprehensive estate planning and risk management for the first time.
Our Purpose
We aim to offer more than just insurance coverage. Our goal is to ensure your financial peace of mind by providing the right solutions to safeguard your assets, family, and business interests. With expert advice and tailored products, we help you plan for the future with confidence.
Products & Services
Protect your loved ones and secure their financial future in the event of your passing — essential for anyone who wants to ensure their family's well-being.
Monthly benefits that replace a portion of your income if you are unable to work due to illness or injury, maintaining your financial stability.
A lump sum payout upon diagnosis of critical conditions such as cancer, heart attack, or stroke — easing the financial burden of treatment and recovery.
Cover unexpected financial liabilities including funeral costs, medical emergencies, and other unplanned expenses that arise from unforeseen events.
Arrange smooth ownership transitions for business owners in the event of retirement, death, or incapacity of key business partners.
Protect the key people critical to your business success — ensuring continuity in case of the loss of a crucial employee or partner.
Secure your liabilities including mortgage bonds, loans, and debts — ensuring they are paid off even if illness, disability, or death prevents you from doing so.
Draft a legally binding last will and testament and navigate the estate planning process to ensure your legacy is preserved as you intend.
Key Benefits
Tailored solutions for life cover, business continuity, estate planning, income protection, severe illness cover, and more.
Ensure that your loved ones, business partners, and employees are financially protected against life's uncertainties.
Professional advice from experienced brokers who understand the complexities of South African risk and estate planning.
All our services comply with South African insurance regulations, ensuring you stay within legal frameworks and avoid potential pitfalls.
Adaptable solutions that grow with your needs — whether you are expanding your business or planning for retirement.
Common Claims Scenarios
Real situations where the right cover ensures financial stability for you and those you care about.
Death of a Policyholder
Life cover pays out to beneficiaries, helping them cover funeral expenses, ongoing living costs, and any outstanding liabilities.
Business Interruption
Key person insurance ensures your business can continue even if a crucial team member is no longer able to contribute.
Unforeseen Medical Expenses
Contingency liabilities cover medical bills or unexpected expenses that arise during critical times, preventing financial strain.
Unplanned Business Transition
A well-structured buy-and-sell agreement ensures the smooth transfer of shares in case of death, disability, or retirement of a business owner.
Loss of Income
Income protection replaces a portion of lost income due to illness or injury, ensuring financial stability until you can return to work.
Critical Illness Diagnosis
Severe illness cover provides financial relief on diagnosis of critical conditions, letting you focus on recovery without financial stress.
Regulatory Compliance
All our insurance and estate planning solutions comply with South Africa's strict regulatory requirements — protecting both your wealth and your family's financial future.
All advice and products comply with Financial Sector Conduct Authority regulations, ensuring your interests are protected at every step.
Our solutions align with South African Reserve Bank guidelines, maintaining the integrity and legality of your financial arrangements.
We structure your estate plan in accordance with South African Tax and Estate Duty Laws, minimising liability and maximising what reaches your beneficiaries.
Why Choose Impact
We understand that each client is unique and offer customised solutions based on your specific needs, goals, and circumstances.
Our team is highly skilled and experienced in navigating the South African estate planning and risk management landscape.
We don't just help you get started — we offer continuous support to ensure your plans are adjusted as your circumstances evolve.
Common Questions
What is the difference between life cover and income protection?
Life cover pays a lump sum to your beneficiaries if you pass away. Income protection pays a monthly benefit if you are unable to work due to illness or injury.
Do I need estate planning if I don't have a large estate?
Yes — estate planning ensures your assets go to the right people and that your family is not burdened with unnecessary costs or delays, regardless of the estate size.
How often should I review my cover?
We recommend reviewing your cover annually or after any major life event such as marriage, divorce, a new child, or a significant change in income.
A free, no-obligation financial needs analysis takes 45 minutes. It could be the most valuable 45 minutes you invest in your family and business.
Get in Touch