What we offer

Personal Protection: Secure Your Life and Income

Your Financial Shield: Comprehensive Protection Solutions

When life hits, we ensure your finances don't take the full blow. We structure robust protection plans designed to cover every eventuality, providing you and your family with unwavering stability.

Life Assurance: Protecting Your Family’s

Financial Future

1. Life Cover as a Lump Sum Benefit: Life Cover is the cornerstone of responsible financial planning. It’s the ultimate financial expression of your love. It guarantees that a single, tax-free lump sum will be paid directly to your loved ones upon your passing.

  • Tax-Free Stability: Provides immediate, substantial capital to your beneficiaries.
  • Debt Clearance: The funds can be used immediately to settle major outstanding debts – your home bond, car finance and personal loans – preventing financial hardship.
  • Income Replacement Capital: Provides the necessary capital to replace years of your lost income, funding education and maintaining the lifestyle you built.

2. Life Cover as a Death Income Benefit: While a lump sum addresses immediate capital needs, the Death Income benefit provides a crucial flow of cash. It ensures a regular, guaranteed, escalating monthly income is paid to your beneficiaries for a defined period, perfectly mimicking your lost salary.

  • Predictable Cash Flow: Ensures day-to-day bills, groceries and school fees are paid.
  • Inflation-Proofing: We prioritize plans that include an escalating income benefit to ensure the monthly amount retains its purchasing power over time.
  • Structured Security: Removes the burden from beneficiaries of having to manage and invest a large lump sum immediately.

Disability & Income Disability

Protection

1. Disability Lump Sum Benefit: Suffering a permanent disability is life-altering. This
product pays a single, tax-free lump sum if you are permanently disabled and unable to
perform your essential duties.

  • Debt Settlement: The lump sum can be used to settle major debts, preventing asset repossession during a crisis.
  • Capital for Adaptation: Provides funds for specialized care, and essential home/vehicle  modifications required to maintain your quality of life.

2. Temporary Income Protection:

This benefit is the essential short-term plug for an income gap. If you are temporarily unable to work due to an illness or injury, this benefit replaces your salary for a limited duration up to 24 months.

  • Short-Term Salary Replacement: Ensures your bond and monthly debit orders are paid while you recover.
  • Waiting Period Flexibility: We structure the benefit’s start date to align perfectly with your existing sick leave or emergency savings. (usually 7 Days or 1 month)

3.  Permanent Income Protection (Extended Income Protection):

This is the long-term guarantee for your career. If you become permanently unable to work due to an illness or injury, this policy pays a monthly, inflation-linked income until chosen retirement age (typically 60 or 65, or even Whole of Life).

  • Lifelong Pay-Out: Replaces your salary for the remainder of your working life.
  • Crucial “Own Occupation” Definition: For highly specialized professionals, we secure cover based on your inability to perform your specific, highly skilled job.
  • Integrated Planning: Secures your income until your retirement capital is ready to
    take over.

Health Crisis and Final Expenses

1. Severe Illness / Critical Illness Lump Sum Benefit: A serious health diagnosis is emotionally devastating, but the financial shock can be just as difficult. This policy pays tax-free lump sum upon diagnosis of a covered severe illness (cancer, heart attack, stroke).

  • Flexibility to Fight: Funds are flexible, covering medical aid co-payments, specialized treatments outside of your scheme, and lost income for a spouse caring for you.
  • Severity-Based Payouts: Many plans offer staged payouts based on the severity of the illness, ensuring you receive support even for early-stage diagnoses.
  • Comprehensive Definitions: We compare the crucial Claim Event Definitions across our providers to ensure you receive the most robust cover.

2. Severe Illness / Critical Illness Income Benefit:

 Additional Income: Up to 130% of your covered salary can pay for a period of up to 12 months to supplement and/or replace your income to enhance your ability to fight the real battle. (Not covered by all insurance companies).

3. Final Expenses and/or Funeral Cover:

This cover is about dignity and immediate practical support. It pays a lump sum very quickly (often within 48 hours) after receiving the death certificate of the insured to cover all the immediate costs associated with a funeral and final arrangements, preventing family debt during grief.

Investments & Wealth: Building Your Future Wealth

Strategic Wealth: Growing Your Future, Your Way

You’ve built stability with your protection plans. Now, it’s time to ensure your money is growing strategically and efficiently.
We provide expert guidance and access to premier platforms like Discovery, Glacier, Hollard, Liberty, The Life Cycle, Momentum, Mutual, and Sanlam.

Estate Planning & Legacy

Estates & Wills: The Essential Blueprint for Your Legacy
Estate planning is the ultimate act of responsibility. It ensures your assets pass to your loved ones efficiently, tax-effectively, and according to your precise wishes.

1. Wills (Testaments):

Your Will is your final, definitive voice. We draft legally sound documents to ensure your assets are distributed exactly as you intend and that guardianship for your minor children is secured by your choice. Without a valid Will, the State decides your affairs, leading to lengthy, expensive delays

2. Strategic Estate Planning:

This is where we bring together all the pieces of your financial life to ensure seamless transition:

  • In-Depth Liquidity Analysis: We perform a crucial check to ensure your estate has enough ready cash (often via Life Cover) to cover all taxes, fees, and liabilities. This prevents the forced, fire-sale of your core assets, such as the family home, to satisfy administrative costs.
  • Trust Establishment: We advise on and establish Trusts for asset protection, continuity, or the secure management of inheritances for minors.

Investment Solutions for Every Goal

1. All Investments (Offshore, Structured, & Unit Trusts):

We provide access to investment vehicles designed for growth outside of your retirement strategy:

  • Offshore Investments: Gain crucial exposure to global markets for enhanced growth
    and currency diversification.
  •  Structured Investments: Advanced solutions that combine potential market returns
    with capital protection.
  • Unit Trusts (Collective Investments): Highly flexible and liquid funds managed by professionals, ideal for general savings.

2. Savings Plans (Endowments & Investments):

  • Endowments: A powerful tax wrapper for individuals with high marginal tax rates,
    as the investment is taxed at a fixed rate within the policy.
  • Investments: Conservative funds (like Money Market) where the primary goal is
    protecting your principal investment from volatility, suitable for funds you may need
    soon.

Retirement Planning: Securing Your Later Years

1. Retirement Annuities (RAs): An RA is your dedicated, tax-advantaged savings vessel for life after work. It offers the triple tax advantage: tax-deductible contributions, tax-free growth, and preservation from age 55, ensuring your savings are dedicated to your retirement
goal.

2. Annuities: Converting Capital into Sustainable Income. When you retire, your capital must transform into a reliable pay check. We guide you through the choice between the 3 (three) main options:

  • Living Annuity: You retain ownership of the underlying investment portfolio. You have High Income Flexibility (you select the draw-down rate), but You Bear the Investment Risk. This is for the active investor who wants flexibility and potential capital for heirs.
  • Life Annuity: You purchase a guaranteed income stream from an insurer. You have
    Low Income Flexibility (the rate is fixed or guaranteed to escalate), but The Insurer Bears the Investment Risk. This is for the Security Seeker whose primary goal is certainty that their income will never run out.
  • Capital Preservation: Income for life with Capital Preservation. Capital Preservation Benefit is a death benefit, which pays the selected cover amount to the specified beneficiaries on death of the Life Covered.

Specialized Services: Convenience and Crisis Cover

Specialized Services for a Complete Safety Net

We offer these essential services to ensure you have a single point of contact for all your protection needs.

Specialized Medical Insurance: NetCare Plus 

What exactly is NetCare Plus? This is a focused, high-impact medical insurance product. It is a vital financial safety net designed to cover all associated medical costs incurred following an accident or emergency hospitalization. It acts as a crucial backstop for sudden, traumatic events.

Crucial Limitation: NetCare Plus is not a medical aid replacement. It is specialized emergency cover and does not cover routine doctor visits, planned procedures, chronic conditions, or non-emergency health issues.

Short-Term Insurance:

What exactly is it? This protects your physical assets (your home, car, and belongings) against sudden, unexpected loss or damage (theft, fire, weather). We facilitate access to comprehensive cover from our panel of top insurers (Cross Country, Discovery Insure, Hollard, Momentum Short Term, Telesure, etc.), comparing options to find competitive rates and robust claims service for your peace of mind.

Stories From Our Clients

From retirement and investments to insurance, medical cover, and estate planning—we protect, grow, and preserve your wealth at every stage of life.

What stood out was their independence. APC doesn’t push one insurer — they compared across the market and gave me the best solution for my needs. That’s rare and refreshing.

Johan Smit

HR Manager

I compared quotes from multiple insurers before, but APC did it all for me and explained why each choice mattered. Their transparency made me trust the process completely.

Naledi Khumalo

Receptionist

When I faced a health scare, APC’s advice on critical illness cover was invaluable. They ensured my family would be financially secure no matter what.

Priya Naidoo

Full-time Mom

APC guided me through my investment options with patience and clarity. I finally feel confident that my money is working for me.

Annelise Botha

Administrator