Securitas Financial Group

Writing a will is one of the most important steps in estate planning, but it isn't always the last one.

As families grow and circumstances change, your estate plan should change with them. The right approach depends on your unique situation and the people you're planning for.

If it's been a few years since you reviewed your estate plan, now is a good time to make sure it still reflects your wishes.

👉 securitasfinancialgroup.co.za/find-an-advisor/

Securitas® Financial Group (Pty) Ltd is an authorised financial services provider (FSP 6536).

Securitas Financial Group

No two businesses face exactly the same risks.

A medical practice doesn't need the same cover as a logistics company. A retailer has different priorities to a construction business. That's why business insurance isn't about finding a standard package; it's about understanding how your business operates.

Here are just a few of the solutions available:

✅ Business insurance to help protect your premises, equipment and operations.
✅ Commercial vehicle insurance to keep your business on the move.
✅ Liability cover for protection against claims arising from your business activities.
✅ Employee benefits and group risk to help support and protect your workforce.
✅ Medical malpractice cover designed for healthcare professionals.

The right combination of cover depends on your business, your industry and the risks you face every day. A financial advisor can help you build protection that's tailored to your needs.

👉 securitasfinancialgroup.co.za/find-an-advisor/

Securitas® Financial Group (Pty) Ltd is an authorised financial services provider (FSP 6536).

You don’t expect the biggest bill from a hospital stay to come from the specialist. Yet that is exactly where many people discover the gap in their medical aid cover.

Medical aid, medical insurance and gap cover are not different names for the same thing. They each protect a different part of the risk.

Medical aid is usually the foundation, while gap cover helps when specialists charge more than your medical aid pays in hospital.

Medical insurance is a separate, more affordable product that covers basic, specific events rather than comprehensive healthcare.

Talk to a financial advisor and make sure you know where the gaps are in your medical cover.

👉 securitasfinancialgroup.co.za/find-an-advisor/

Securitas® Financial Group (Pty) Ltd is an authorised financial services provider (FSP 6536).

Nobody enjoys talking about life cover.

That is exactly why so many families only discover they needed more of it after someone has passed away.

Life cover is not really about preparing for your death. It is about protecting the people who still have to wake up the next morning without you.

The question is not 'Do I have a policy?' It is 'Would my family be financially stable if I’m not around anymore?'

👉 securitasfinancialgroup.co.za/find-an-advisor/

Securitas® Financial Group (Pty) Ltd is an authorised financial services provider (FSP 6536).

Securitas Financial Group

If your home is insured for less than its actual replacement value, most insurers apply what is called the average clause. In practice, a claim does not pay out in full, even for a small loss, because the shortfall is applied proportionally across the whole claim.

A home insured for 70% of its real value could see every claim reduced by roughly the same margin.

This is why an annual review matters more than the size of your premium. Being technically covered and being adequately covered are not the same thing.

Speak to a trusted financial advisor to check whether the average clause could catch you out 👉 securitasfinancialgroup.co.za/find-an-advisor/

Securitas® Financial Group (Pty) Ltd is an authorised financial services provider (FSP 6536).