“Sean has helped me with my financial planning and taxes for many years. He has always been professional, personable and gone the extra mile. I highly recommend his services.”
Gary S.
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Risk and Insurance Solutions
Comprehensive protection for you, your family, and your assets
Life is unpredictable. Through Old Mutual Personal Financial Advice, we evaluate your risk exposure and recommend comprehensive cover that ensures your financial plan isn't derailed by illness, disability, or death.
Overview
Risk management is the foundation of any solid financial plan. Without adequate protection, a single unexpected event could undo years of careful saving and investing. At SVZ AND ASSOCIATES, we take a holistic view of your risk exposure.
Working within Old Mutual - one of South Africa's oldest and most trusted life insurers - we have access to a comprehensive range of risk products. From life cover and disability insurance to income protection and severe illness cover, we tailor solutions to your specific needs.
We don't believe in over-insuring or under-insuring. Our approach is to conduct a thorough needs analysis, identify the gaps in your current cover, and recommend products that provide appropriate protection at a fair cost.
What We Offer
01
Life Insurance
Ensuring your loved ones are financially secure if you pass away, with cover amounts calculated based on your debts, income replacement needs, and family's future requirements.
02
Disability Cover
Protection if you become unable to work due to illness or injury, with options for lump sum or monthly income benefits depending on your needs.
03
Income Protection
Replacing a portion of your income if you're temporarily unable to work, ensuring your bills are paid and your financial plan stays on track during recovery.
04
Severe Illness Cover
Lump sum payouts on diagnosis of specified conditions like cancer, heart attack, or stroke, giving you the financial freedom to focus on recovery.
05
Business Assurance
Key person cover, buy-and-sell agreements, and contingent liability cover to protect your business and its stakeholders against unforeseen events.
Client Stories
What risk and insurance solutions clients say
9 reviews
“Very happy with the prompt and professional assistance received regarding my tax returns. Would highly recommend.”
Colleen K.
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“Thank you Sean and his brilliant support staff, my Tax profile was a mess and I got an sms stating I owed them money. I reached out to Sean and in a matter of days I got a refund from SARS. Thank you for your brilliant service.”
Alex C.
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“I had been involved in a hit and run and my car was damaged. I was referred to Timeka who has excellent service by the way and super friendly. She helped me get the claim sorted with the insurance and was quick and efficient.”
Tyler K.
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View allFrequently Asked Questions
Common questions about risk and insurance solutions - answered by our team.
A common guideline is 10 times your annual income, but the actual amount depends on your debts, number of dependants, spouse's income, children's education needs, and other factors. We conduct a detailed needs analysis to calculate your specific requirement.
Disability cover pays a lump sum if you become permanently disabled. Income protection pays a monthly income (typically 75% of your salary) if you're temporarily unable to work. Most people need both for comprehensive cover.
Usually not. Group schemes often provide basic cover (e.g., 3x annual salary for life cover), but this may fall short of your actual needs. Additionally, group cover ends when you leave your employer. We help you identify any gaps and supplement with personal cover.
Think of insurance as protecting your savings. Without adequate cover, a single event could force you to liquidate investments at the worst possible time. The cost of appropriate cover is small compared to the financial devastation of being unprotected.
Yes, in many cases. While pre-existing conditions may affect terms or pricing, insurers can often accommodate them with specific exclusions or loadings. We'll help you navigate the underwriting process and find the best possible terms.
Risk Protection Assessment
Is your financial safety net strong enough? Find out with these quick questions.
Question 1 of 4
If you couldn't work for 6 months, could you maintain your lifestyle?
Don't Leave Your Family Unprotected
A proper risk assessment takes just one meeting. Let's make sure you and your loved ones are covered.