Life's Uncertain. Your Cover Shouldn't Be.
Navigating life cover - simplified, customised, affordable and transparent.
Wealth Protection refers to strategies designed to safeguard individuals, families, and their businesses from unexpected events that could threaten their financial security. These events can include death, disability, loss of income, serious illness or legal liabilities, all of which can have a significant impact on both personal wealth and business continuity.
Key Components of Wealth Protection
Life, disability, income protection, and business insurance to provide financial security in case of illness, injury, or loss of a key individual.
Wills, trusts, and business succession strategies to ensure smooth transitions and asset protection for loved ones and business partners.
Ensuring the financial stability of a business through key person insurance, buy-sell agreements, and emergency funding strategies.
The goal of wealth protection is to ensure that individuals and their families remain financially secure, while also safeguarding businesses against disruptions that could arise from unexpected life events.
Embrace Stability
Navigating life's uncertainties can be daunting, but with the right Wealth Protection and Risk Cover, it doesn't have to be. Our goal is to offer a shield against the unpredictable, providing a diverse range of insurance products tailored to safeguard your financial future.
These solutions are designed to mitigate the impact of life-altering events, ensuring that you're well-prepared for any twist or turn life may take.
With our carefully curated coverage options, you're not just insuring assets; you're investing in peace of mind and long-term stability.
Protect what's important to you
Life Cover
Life cover ensures that your financial responsibilities are taken care of in the event of your death. It replaces the income you would have earned during your working life, ensuring that your family is financially secure. Have peace of mind and know that your loved ones and family are financially provided for. Having life cover in place will ensure that your surviving spouse, partner or nominated beneficiary of your children:
- Can settle significant debt like a bond, credit card debt or car repayments.
- Can pay for children’s education.
- Have enough money available to help pay for living expenses. We have both local and offshore life cover options.
If you would like to chat to one of our Advisors or would like a quote please click here.
Disability Cover
Lump Sum Disability Cover is typically required to provide financial protection in the event of a permanent disability that prevents an individual from working.
The payout can be used for:
- Settling Debt – Paying off home loans, car loans, or other financial obligations to reduce financial stress.
- Medical Expenses – Covering costs for ongoing treatments, rehabilitation, assistive devices, or home modifications.
- Income Replacement – Providing a financial cushion for lost earnings, especially if the individual can no longer work.
- Lifestyle Adjustments – Adapting to new circumstances, such as hiring caregivers or modifying.
Income Protection
It provides an income if you’re unable to work due to illness, impairment or disability. Most people plan and dream based on the assumption that they’ll continue to earn an income until they retire. But what if something happens to you and you’re unable to work? Income certainty determines your quality of life and your family’s financial security.
Without an income you would be left struggling to pay for your financial expenses like school fees or bond repayments. Income Protection is typically required to ensure financial stability when an individual is unable to work due to illness or injury. It provides a regular monthly income to cover essential expenses, such as:
- Day-to-Day Living Costs – Covering rent, groceries, utilities, and other household expenses.
- Debt Repayments – Ensuring home loans, car loans, and credit card payments continue to be met.
- Medical Expenses – Helping with ongoing treatment, therapy, or rehabilitation costs.
- School Fees & Family Support – Maintaining children’s education and family lifestyle.
- Retirement & Savings Protection – Preventing the depletion of long-term savings or investments due to lost income.
Severe Illness Cover
Surviving a severe illness isn’t easy, but with the right cover, you can focus on recovery , instead of the medical bills. Severe illness cover offers financial protection against illnesses such as a heart attack, cancer, stroke, Alzheimer’s and Parkinson’s disease and many more.
Severe Illness Cover (also known as Dread Disease Cover) is typically required to provide financial support when diagnosed with a serious medical condition. The lump sum payout can be used for:
- Medical Expenses – Covering costs not fully paid by medical aid, such as specialised treatments, medications, or alternative therapies.
- Lifestyle Adjustments – Funding home modifications, mobility aids, or hiring caregivers to assist with daily living.
- Loss of Income – Replacing lost earnings if you're unable to work during treatment and recovery.
- Debt Repayments – Ensuring that home loans, car loans, and other financial commitments continue to be met.
- Family Support – Covering childcare, household help, or travel expenses for treatment at specialised medical facilities.
Dollar Denominated Cover
Dollar Denominated Cover Offers life insurance benefits in US dollars, safeguarding against currency fluctuations and ensuring that payouts maintain their value internationally.
This type of cover is ideal for individuals with global financial commitments or those seeking to diversify their insurance portfolio.
For example, Dollar Life Plan provides comprehensive protection in US dollars, including benefits such as the Dollar Capital Disability Benefit, Dollar Global Education Protector. This is often useful when beneficiaries are currently living or intend to live outside of South Africa, or wish to diversify offshore.
Education Protection
Protect your children’s education in the event of something happening to you.
We cover your children’s education fees if you die, or become ill or disabled. The Global Education Protector from helps to pay for children’s education from crèche to university, locally or abroad.
Business Assurance
Business Assurance is a financial safety net designed to protect businesses from financial loss due to unforeseen events affecting key individuals. It ensures business continuity, safeguards ownership structures, and covers liabilities. Key components include:
- Key Man Insurance – Protects a business against financial loss if a crucial employee, director, or owner becomes disabled or passes away. The payout helps cover lost revenue, recruitment costs, or business continuity expenses.
- Buy and Sell Policy – Ensures a smooth transfer of ownership in the event of a partner’s death or disability by providing funds for the remaining partners to buy out the affected partner’s share.
- Contingent Liability Cover – Protects business owners who have signed personal sureties for business loans. If an owner or guarantor passes away or becomes disabled, the policy settles the outstanding debt, preventing personal financial strain.
Medical Aid & Gap Cover
At Donsure, we help individuals and businesses navigate the complexities of healthcare cover.
- Medical Aid – Provides essential cover for day-to-day medical expenses, hospital stays, and specialist treatments. We partner with Optivest, a trusted third-party provider, to assist our clients in finding the best medical aid solutions tailored to their needs.
- Gap Cover – A vital supplement to medical aid, covering shortfalls where medical aid does not fully pay for in-hospital treatments, specialists, and procedures. Donsure manages Gap Cover in-house, ensuring our clients receive personalised service and the best protection against unexpected medical expenses.
Last Will & Testament
Having a valid will ensures that your assets are distributed according to your wishes, protecting your loved ones and avoiding legal complications. It is one of the most important documents you will sign in your lifetime. It provides clarity on inheritance, guardianship of minor children, and the management of your estate after your passing.
We want to ensure:
- Your estate is distributed according to your wishes.
- Your estate is effectively administered.
At Donsure, we understand the importance of proper estate planning. That’s why we work with Capital Legacy, a trusted provider specialising in Will drafting and estate solutions. We can refer you to them for expert guidance and hassle-free Will preparation. Learn more at www.capitallegacy.co.za
Estate Planning
Your estate refers to everything you own and owe, from property and cars to investments and debts. Proper estate planning will ensure that your estate is set up in a tax-efficient way that benefits you during your lifetime and your beneficiaries after you die.
A properly structured estate ensures that:
- There is enough cash to pay outstanding debts.
- There is an income (and capital if required) for your dependants.
- The estate is distributed according to your wishes.
- Your business interests are protected.
- Taxes are minimised (e.g. estate duty and income tax).
- Your estate is flexible enough to accommodate changes in the economic and legal environment, as well as your personal financial circumstances.
Estate planning is a complex process and there are a number of different estate planning vehicles available. The key is to establish your priorities – do you want to settle debts, provide an income for your spouse or protect your business interests for your heirs?
Life cover ensures that your financial responsibilities are taken care of in the event of your death. It replaces the income you would have earned during your working life, ensuring that your family is financially secure. Have peace of mind and know that your loved ones and family are financially provided for. Having life cover in place will ensure that your surviving spouse, partner or nominated beneficiary of your children:
- Can settle significant debt like a bond, credit card debt or car repayments.
- Can pay for children’s education.
- Have enough money available to help pay for living expenses. We have both local and offshore life cover options.
If you would like to chat to one of our Advisors or would like a quote please click here.
Lump Sum Disability Cover is typically required to provide financial protection in the event of a permanent disability that prevents an individual from working.
The payout can be used for:
- Settling Debt – Paying off home loans, car loans, or other financial obligations to reduce financial stress.
- Medical Expenses – Covering costs for ongoing treatments, rehabilitation, assistive devices, or home modifications.
- Income Replacement – Providing a financial cushion for lost earnings, especially if the individual can no longer work.
- Lifestyle Adjustments – Adapting to new circumstances, such as hiring caregivers or modifying.
It provides an income if you’re unable to work due to illness, impairment or disability. Most people plan and dream based on the assumption that they’ll continue to earn an income until they retire. But what if something happens to you and you’re unable to work? Income certainty determines your quality of life and your family’s financial security.
Without an income you would be left struggling to pay for your financial expenses like school fees or bond repayments. Income Protection is typically required to ensure financial stability when an individual is unable to work due to illness or injury. It provides a regular monthly income to cover essential expenses, such as:
- Day-to-Day Living Costs – Covering rent, groceries, utilities, and other household expenses.
- Debt Repayments – Ensuring home loans, car loans, and credit card payments continue to be met.
- Medical Expenses – Helping with ongoing treatment, therapy, or rehabilitation costs.
- School Fees & Family Support – Maintaining children’s education and family lifestyle.
- Retirement & Savings Protection – Preventing the depletion of long-term savings or investments due to lost income.
Surviving a severe illness isn’t easy, but with the right cover, you can focus on recovery , instead of the medical bills. Severe illness cover offers financial protection against illnesses such as a heart attack, cancer, stroke, Alzheimer’s and Parkinson’s disease and many more.
Severe Illness Cover (also known as Dread Disease Cover) is typically required to provide financial support when diagnosed with a serious medical condition. The lump sum payout can be used for:
- Medical Expenses – Covering costs not fully paid by medical aid, such as specialised treatments, medications, or alternative therapies.
- Lifestyle Adjustments – Funding home modifications, mobility aids, or hiring caregivers to assist with daily living.
- Loss of Income – Replacing lost earnings if you're unable to work during treatment and recovery.
- Debt Repayments – Ensuring that home loans, car loans, and other financial commitments continue to be met.
- Family Support – Covering childcare, household help, or travel expenses for treatment at specialised medical facilities.
Dollar Denominated Cover Offers life insurance benefits in US dollars, safeguarding against currency fluctuations and ensuring that payouts maintain their value internationally.
This type of cover is ideal for individuals with global financial commitments or those seeking to diversify their insurance portfolio.
For example, Dollar Life Plan provides comprehensive protection in US dollars, including benefits such as the Dollar Capital Disability Benefit, Dollar Global Education Protector. This is often useful when beneficiaries are currently living or intend to live outside of South Africa, or wish to diversify offshore.
Protect your children’s education in the event of something happening to you.
We cover your children’s education fees if you die, or become ill or disabled. The Global Education Protector from helps to pay for children’s education from crèche to university, locally or abroad.
Business Assurance is a financial safety net designed to protect businesses from financial loss due to unforeseen events affecting key individuals. It ensures business continuity, safeguards ownership structures, and covers liabilities. Key components include:
- Key Man Insurance – Protects a business against financial loss if a crucial employee, director, or owner becomes disabled or passes away. The payout helps cover lost revenue, recruitment costs, or business continuity expenses.
- Buy and Sell Policy – Ensures a smooth transfer of ownership in the event of a partner’s death or disability by providing funds for the remaining partners to buy out the affected partner’s share.
- Contingent Liability Cover – Protects business owners who have signed personal sureties for business loans. If an owner or guarantor passes away or becomes disabled, the policy settles the outstanding debt, preventing personal financial strain.
At Donsure, we help individuals and businesses navigate the complexities of healthcare cover.
- Medical Aid – Provides essential cover for day-to-day medical expenses, hospital stays, and specialist treatments. We partner with Optivest, a trusted third-party provider, to assist our clients in finding the best medical aid solutions tailored to their needs.
- Gap Cover – A vital supplement to medical aid, covering shortfalls where medical aid does not fully pay for in-hospital treatments, specialists, and procedures. Donsure manages Gap Cover in-house, ensuring our clients receive personalised service and the best protection against unexpected medical expenses.
Having a valid will ensures that your assets are distributed according to your wishes, protecting your loved ones and avoiding legal complications. It is one of the most important documents you will sign in your lifetime. It provides clarity on inheritance, guardianship of minor children, and the management of your estate after your passing.
We want to ensure:
- Your estate is distributed according to your wishes.
- Your estate is effectively administered.
At Donsure, we understand the importance of proper estate planning. That’s why we work with Capital Legacy, a trusted provider specialising in Will drafting and estate solutions. We can refer you to them for expert guidance and hassle-free Will preparation. Learn more at www.capitallegacy.co.za
Your estate refers to everything you own and owe, from property and cars to investments and debts. Proper estate planning will ensure that your estate is set up in a tax-efficient way that benefits you during your lifetime and your beneficiaries after you die.
A properly structured estate ensures that:
- There is enough cash to pay outstanding debts.
- There is an income (and capital if required) for your dependants.
- The estate is distributed according to your wishes.
- Your business interests are protected.
- Taxes are minimised (e.g. estate duty and income tax).
- Your estate is flexible enough to accommodate changes in the economic and legal environment, as well as your personal financial circumstances.
Estate planning is a complex process and there are a number of different estate planning vehicles available. The key is to establish your priorities – do you want to settle debts, provide an income for your spouse or protect your business interests for your heirs?
Book a free consultation with us
Invest in peace of mind.
.png){kind=logo}
Getting Started, Your Path to Financial Confidence
Initial Meeting
We Establish and define a professional relationship with you as an individual.
Data Gathering
After agreeing to proceed, together we gather your financial information and set your unique individual financial planning goals.
Financial Analysis
We assess your needs and Risk Profile in order to analyse and evaluate your current financial position with all the necessary information you provide.
Personalised Recommendations
We make personalised financial planning recommendations with a clear understanding of your objectives and preferences, we craft a personalised financial plan. This plan addresses your immediate and long-term financial goals, balancing risk management with wealth creation opportunities. It's a roadmap designed specifically for you.
Implementation
We agree on the implementation of the most appropriate recommendations while objectively looking at the best providers and solutions.
Monitor and Review
Financial planning is not a one-time event—it’s a continuous journey. We review your personalised portfolio with you, making adjustments as your life circumstances and financial goals may change. This ensures your financial plan stays aligned with your objectives.
Meet Franco
Securing Legacy
At 60, our divorced client faced a hidden risk – wealth in assets but not in liquidity. Our tailored life policy ensured their legacy could be preserved without asset liquidation.
Existing Situation
Approaching 60, our client, recently divorced, needed a comprehensive review of their financial standing, particularly focusing on the liquidity of their substantial assets.
The Problem
Despite being asset-rich, our client faced a potential crisis. In the event of their death, there were substantial costs, exceeding R10 million, including estate duties and capital gains taxes, a reality they were previously unaware of. Selling their prized assets to cover these costs was not an option they wanted to consider.
The Solution
After a thorough assessment of estate duties, executor fees, and other related costs, we proposed an affordable and effective solution: a life insurance policy. Given the client's good health, the premiums were both reasonable and sustainable, offering long-term security. This strategic move brought immense relief. Our client and their beneficiaries could now rest assured that their cherished assets would remain intact, avoiding forced sales at potentially undervalued prices due to estate liabilities.
Real Stories. Real Protection.
Frequently Asked Questions
Life Cover provides a financial safety net for your loved ones in the event of your death or if you become severely ill. Donsure's Life Cover also offers options to include critical illness as part of your policy or as a separate cover. This ensures your family is protected from financial hardship, covering expenses like funeral costs, mortgage payments, and daily living costs.
Donsure evaluates every application individually, considering various factors including pre-existing conditions like cancer. The eligibility and terms of the cover will depend on the type and severity of the condition, but we strive to provide coverage options for a wide range of circumstances.
Smokers can certainly obtain cover with Donsure. While premiums may be higher for smokers due to increased risk factors, we also offer incentives and potential premium reductions for those who quit smoking or participate in our wellness programs.
Disability Cover from Donsure provides financial support if you are unable to work due to a disability. It's crucial for ensuring you have a steady income stream if an injury or illness prevents you from earning a salary, helping you manage daily expenses and medical costs.
Our Critical Illness Cover offers a lump-sum payment if you're diagnosed with a specific serious illness. This can be used to cover medical treatments, replace lost income, or any other financial needs that arise due to the illness, ensuring you can focus on recovery without financial stress.
Income Protection from Donsure is designed to replace a portion of your income if you're unable to work due to illness or injury. This cover is vital for maintaining your standard of living and financial stability during periods when you cannot earn an income.
Key Person Insurance is essential for businesses that rely on certain individuals for their success. This policy compensates a business for financial losses that occur due to the death or incapacitation of a key employee, helping to stabilize the business during challenging times.
Book a free consultation with us
Invest in peace of mind.
Office
Port Elizabeth
278 Main Road, Walmer, 6065