Our products give you the power to select your own combination of benefits allowing us to quote you on the cover amount for the premium you can afford.

We offer Life, Disability, Dread Disease, Functional Impairment, Income Protection and HIV+ product suite

• Options to pay reduced premium during the first few years
• Premium Guarantees options to prevent increases not budgeted for
• Option to grow your cover annually to keep up with inflation or your needs

Our HIV+ product suite offers Life, Functional Impairment and Dread Disease cover. Competitively priced and probably easiest medical requirement in the market. First to market with HIV loading done upfront for improved client experience

Life Cover - This is the most popular form of Business Risk insurance and is designed

1.To enable the business to buy out a deceased shareholder

2.To protect the business from the cost of lost productivity and/or income

Disability Cover - This gives the business the financial means to put measures in place to protect against loss of productivity or income.

Dread Disease - This gives the business the financial means to protect against losses and implement measures as per the shareholder’s agreement.

Income Protection -Income protection can help to reduce the financial obligation a company may have to support a disabled shareholder or key individual.

Thanks to its accelerated development in Life and P&C reinsurance, SCOR now belongs to the top tier of global reinsurers. The Group’s premium income reached around EUR 13.7 billion in 2016, an increase of 34% since 2013. Shareholders’ equity reached EUR 6.3 billion at 30 June 2016, up 33% over the strategic plan, after the distribution of EUR 781 million in dividends. SCOR’s development has focused on the twofold objectives of profitability and solvency. With the upgrade of its rating in 2015, SCOR is now rated AA–(1). Plan after plan, the SCOR group demonstrates its ability to find solutions to all the challenges posed by a difficult and shifting economic and financial environment. SCOR absorbs loss event shocks thanks to its active, state-of-the-art risk management policy.

Guardrisk is the leading provider of cell captive business and alternative risk transfer solutions in South Africa. They provide tailor-made risk financing solutions that includes access to a broad panel of related services and professional reinsurance markets. The financial wellness of their clients is central to their business. Guardrisk Insurance and Guardrisk Life are the highest rated specialist insurers in South Africa. In 2015 Guardrisk’s gross premium grew to R13,3 billion. Cell shareholders’ funds reached R3.7 billion* and assets increased to R15,4 billion. Guardrisk was confirmed as SA’s 4th largest short-term insurer in KPMG’s The South African Insurance Industry Survey 2015. The survey also identified Guardrisk as one of only three top 10 companies to post growth levels in excess of the industry average.