Protect the people who matter most, no matter what life brings.

Protection planning

Life is unpredictable, but the financial wellbeing of your loved ones doesn’t have to be.
Protection planning helps safeguard your family’s future by ensuring they have the financial support they need if you’re no longer able to provide for them.

Some of the benefits

Protect your income

Protect your ability to meet every day financial commitments if illness, injury or disability prevents you from earning an income

Protect your dependents

Provide financial support for your loved ones if you pass away, so they can continue managing financial commitments

Prepare for the unexpected

Build a financial safety net to help manage the costs and financial impact of unexpected life events and emergencies

Protect your family’s future

Safeguard important future commitments while reducing the financial pressure your family may face during difficult times

Protect your income

Protect your ability to meet every day financial commitments if illness, injury or disability prevents you from earning an income

Protect your dependents

Provide financial support for your loved ones if you pass away, so they can continue managing financial commitments

Prepare for the unexpected

Build a financial safety net to help manage the costs and financial impact of unexpected life events and emergencies

Protect your family’s future

Safeguard important future commitments while reducing the financial pressure your family may face during difficult times

Ready to protect what matters most?

Speak to one of our financial advisors about creating a personalised plan to protect what matters most.

What it is

Your ability to earn an income is one of your most valuable assets.

Protection planning helps ensure that if life takes an unexpected turn – whether through serious illness, disability or death – your loved ones remain financially secure.

It's not about expecting the worst; it's about making sure the worst never becomes a financial crisis.

Why it matters

Protection planning matters because it safeguards you and your family financially when unexpected events occur.

It helps cover immediate expenses, replace lost income, settle debts, and protect long-term financial goals, helping ensure that a difficult life event does not undo years of hard work.

Considerations

Depending on your needs and life stage, the right protection strategy can help reduce financial uncertainty and provide support when it’s needed most. These may include:

Life cover (also known as life insurance)
Protects the people who depend on you financially. In the event that you pass away, it provides a lump sum payout to your chosen beneficiaries, helping them cover expenses such as household costs, debt repayments, children's education, and other financial commitments. It can provide peace of mind that your loved ones will have financial support when they need it most.
Income protection
Replaces income if illness or injury prevents you from working.
Critical illness cover
Provides financial support following the diagnosis of a serious illness.
Disability and impairment cover
Provides financial protection should you become disabled or impaired due to illness or injury and are no longer able to earn an income or perform your occupation. Eligibility for cover is subject to the insurer's underwriting and assessment criteria.
Education protection benefits
Ensures your children’s education can continue uninterrupted.
Funeral cover
Provides financial support for funeral expenses, helping reduce the burden on loved ones during an already difficult time.s.

How it works

We start by understanding you
We take the time to understand your unique circumstances, financial commitments and long-term goals.

We recommend what’s right for you
Based on what we learn, we’ll recommend a protection strategy tailored to your needs. Your advisor will clearly explain your options and help you choose the cover that’s right for you.

We keep your protection relevant
As your life and circumstances change, we’ll review your cover with you to make sure your protection continues to meet your needs.

What it is
Considerations
How it works

Depending on your needs and life stage, the right protection strategy can help reduce financial uncertainty and provide support when it’s needed most. These may include:

Life cover (also known as life insurance)
Protects the people who depend on you financially. In the event that you pass away, it provides a lump sum payout to your chosen beneficiaries, helping them cover expenses such as household costs, debt repayments, children's education, and other financial commitments. It can provide peace of mind that your loved ones will have financial support when they need it most.
Income protection
Replaces income if illness or injury prevents you from working.
Critical illness cover
Provides financial support following the diagnosis of a serious illness.
Disability and impairment cover
Provides financial protection should you become disabled or impaired due to illness or injury and are no longer able to earn an income or perform your occupation. Eligibility for cover is subject to the insurer's underwriting and assessment criteria.
Education protection benefits
Ensures your children’s education can continue uninterrupted.
Funeral cover
Provides financial support for funeral expenses, helping reduce the burden on loved ones during an already difficult time.s.

^{Standard Bank Financial Consultancy is an authorised financial services provider (FSP No. 3825) and a business unit of The Standard Bank of South Africa Limited (Reg. No. 1962/000738/06), which is an authorised financial services and a registered credit provider (NCRCP15).}

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