Comprehensive
Benefits for
Your Workforce
Attract and retain top talent with comprehensive employee benefits. From group medical aid to retirement funds, we source the right solutions from leading providers to protect your employees and strengthen your business.
Six Employee Benefit Solutions
Comprehensive packages designed to protect your employees and their families. From healthcare to retirement, we arrange comprehensive solutions from leading insurers so you can focus on your business.
Group Medical Aid
Comprehensive healthcare coverage for your employees and their families. Access to quality medical care through South Africa's leading open schemes.
- check_circleHospital and day-to-day benefits
- check_circleChronic medication cover
- check_circleDental and optical options
- check_circlePrescribed Minimum Benefits (PMB) guaranteed
Group Funeral Insurance
Dignified coverage through our partner insurers that supports employees and their families during difficult times. Fast claims processing when it matters most.
- check_circleCover for employees and dependants
- check_circleExtended family options available
- check_circleClaims paid within 48 hours
- check_circleFuneral assistance services included
Group Retirement Funds
Help your employees build financial security with professionally managed pension and provident fund solutions, now with two-pot flexibility.
- check_circleProvident and pension fund options
- check_circleTwo-pot system emergency access
- check_circleTax-efficient contributions (up to R350,000)
- check_circleRegulation 28 compliant investments
Employee Benefits Package
Comprehensive risk cover from leading SA insurers, protecting your employees against life's unexpected events, from disability to dread disease.
- check_circleIncome protection cover (85% of salary)
- check_circlePermanent and temporary disability
- check_circleDread disease cover (tax-free lump sum)
- check_circleGroup life assurance
Estate Planning
Help your employees protect their families' futures with proper estate planning, life cover, and will drafting services.
- check_circleLife cover options
- check_circleProfessional will drafting
- check_circleTrust creation guidance
- check_circleEstate duty minimisation strategies
Investment & Retirement Planning
Expert guidance helping employees make informed decisions about their financial futures through personalised consultations.
- check_circleRetirement gap analysis
- check_circleInvestment strategy advice
- check_circleFinancial education workshops
- check_circleAnnual portfolio reviews
Looking for retail partnership opportunities instead? We also offer in-store campaigns, device leasing, and call centre services for retailers.
Explore B2B retail partnershipsarrow_forwardHere's How It Works
Implementing employee benefits doesn't have to be complicated. Our streamlined process gets you from initial consultation to fully operational benefits in as little as 4-6 weeks.
Needs Assessment
We analyse your workforce demographics, budget constraints, and strategic objectives to understand your unique requirements.
Solution Design
Our team designs a tailored benefits package with detailed costing, comparing options from South Africa's leading providers.
Implementation
Seamless onboarding including employee communication, payroll integration, and FSCA registration within 4-6 weeks.
Ongoing Support
Regular reviews, claims assistance, and annual renewal negotiations to ensure your benefits remain competitive and compliant.
Benefits That Strengthen Your Business
Employee benefits are more than just perks, they're strategic investments that attract talent, reduce turnover, and build a stronger organisation.
Attract Top Talent
A comprehensive benefits package makes your company more attractive to skilled professionals in South Africa's competitive job market.
Reduce Staff Turnover
Employees who feel valued and secure are more likely to stay. Quality benefits demonstrate your investment in their wellbeing.
Tax Efficiency
Employer contributions to retirement funds and medical aid are tax-deductible business expenses, reducing your overall tax burden.
Single Point of Contact
One dedicated relationship manager handles all your employee benefits needs. No more juggling multiple providers and contacts.
FSCA Compliance
We manage all Financial Sector Conduct Authority requirements, fund registrations, and compliance obligations on your behalf.
Flexible Packages
Scalable solutions that grow with your business. From 10 employees to 10,000, we design packages that fit your budget and needs.
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Frequently Asked Questions
Everything you need to know about corporate employee benefits. Can't find your answer? Contact us directly.
What is the minimum number of employees for group cover?expand_more
Most group schemes work best with 10 or more employees for favourable underwriting and group rates. However, we can arrange cover for smaller groups through specially negotiated arrangements with insurers. Contact us to discuss your specific situation.
How do group retirement funds differ from individual retirement annuities?expand_more
Group retirement funds benefit from lower fees due to economies of scale, employer contributions (median 10% of salary in SA), and professional fund management. Group life and disability cover is often included at no extra cost. Individual RAs offer more personal control but typically at higher cost.
Can we customise the benefits package?expand_more
Absolutely. We design packages tailored to your budget and employee needs. You choose which benefits to include (medical aid, retirement, risk cover) and at what levels. Packages can be tiered by employee category or seniority.
What happens when an employee leaves the company?expand_more
Employees can convert their group cover to individual policies, transfer retirement savings to a preservation fund, or transfer to their new employer's scheme. Under the two-pot system, they may also access their savings component. We guide every employee through their options at exit.
How quickly can cover be implemented?expand_more
Standard implementations take 4-6 weeks from agreement. This includes scheme setup, FSCA registration (if required), employee communication and enrolment, and payroll integration. We can expedite for urgent requirements.
Are employer contributions tax-deductible?expand_more
Yes. Employer contributions to retirement funds, medical aid, and group risk cover are deductible as business expenses. Employee retirement contributions are deductible up to R350,000 or 27.5% of remuneration annually. We help structure contributions for maximum tax efficiency.
How does the two-pot retirement system affect our employees?expand_more
Since September 2024, one-third of new retirement contributions go into a savings component that employees can access once per year (minimum R2,000 withdrawal). The remaining two-thirds is preserved for retirement. This gives employees emergency access without sacrificing long-term savings.
What regulatory compliance is required?expand_more
Employee benefits in South Africa are regulated by the FSCA (Financial Sector Conduct Authority), CMS (Council for Medical Schemes), and must comply with POPIA for data protection. As FSP-registered brokers, we handle all compliance requirements on your behalf.
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