Insurance & Risk Planning
Protecting Your Lifestyle, Your Income, and Your Business — So Your Financial Plan Can Work.
Every financial plan depends on one thing: protection. Without the right risk structures in place, income planning, retirement planning, and estate planning can unravel when life takes an unexpected turn. Insurance is not about products — it is about ensuring continuity, certainty, and control.
Every Financial Plan Needs Protection
Risk planning is the foundation layer of every financial plan. Medical costs, asset losses, disability, death, and business disruption can destroy long-term plans if not structured correctly.
The goal is not "more insurance" — it is the right cover, correctly structured.
Built on Decades of Practical Experience
Both founders of AS Brokers started their careers inside short-term insurance companies, progressing from junior roles into senior and specialist positions. This foundation developed deep expertise in business insurance and claims management.
Working extensively with business owners naturally led into broader business and financial planning. Short-term insurance became the backbone of AS Brokers.
This hands-on experience translates into direct access to insurer systems, efficient claims management, and the ability to make amendments quickly. For clients with complex portfolios, this high-touch service model makes a material difference.
Our Risk Planning Framework
Risk planning follows a logical sequence, not a product list. Each layer of protection serves a specific purpose and must be aligned with your broader financial objectives.
The sections below explain how each category fits into a comprehensive risk plan.
Medical Aid & Gap Cover
The first line of defence. Protects against catastrophic medical costs that can derail income and savings. Medical aid provides the foundation, while gap cover addresses shortfalls that can run into hundreds of thousands of rands.
Medical Aid & Gap CoverShort-Term Insurance (Business & Personal)
Protects physical assets and operational continuity. This is the backbone of AS Brokers' insurance expertise. Business insurance comes first — protecting assets, liability, and continuity. Personal insurance follows — covering homes, vehicles, and personal assets.
We provide in-house claims support and direct insurer system access for efficient management.
Short-Term Business Insurance Short-Term Personal InsurancePersonal Life Insurance
Protects personal income and family security in the event of death, disability, temporary income loss, or severe illness. This is income protection, not just life cover.
Structured correctly, personal life insurance ensures financial continuity for those who depend on your income.
Personal Life AssuranceBusiness Life Insurance
Complex planning for business owners, including buy-and-sell agreements, key person cover, shareholder protection, and contract-driven structures.
This requires careful structuring and coordination with accountants and legal agreements. It is not a product sale — it is a strategic risk transfer exercise with high advisory input.
Business Life AssuranceIntegrated Risk Planning for High-Net-Worth Clients
Advanced integration of multiple risk products to optimise outcomes. Designed for high-net-worth individuals where premium affordability is not the constraint.
The focus is optimisation, efficiency, and alignment with estate and tax planning. Products are integrated, not stacked. This approach ensures risk structures work together rather than in isolation.
Wellness & Risk IntegrationRisk Planning Is Not Optional — But It Must Be Structured Correctly
Insurance works best when it is planned, reviewed, and integrated. The wrong structure costs more than no structure.
AS Brokers focuses on clarity, alignment, and long-term certainty.
Explore the sections above to understand how each layer of protection fits into your broader financial plan.