Long-term insurance
Secure Your Family's
Future.
Life cover, disability protection, and investment-linked policies that give you and your loved ones lasting financial security, no matter what life brings.
What Is Long-Term Insurance?
Long-term insurance provides financial protection over an extended period, covering events like death, disability, or critical illness that could devastate your family's finances. It also includes investment-linked products that help you build wealth over time.
At Rifumo Wealth Partners, we take the time to understand your life stage, dependants, and financial goals, then match you with the right combination of cover from South Africa's leading long-term insurers.
Life
Cover for your family
Disability
Income protection
RA
Retirement annuities
Tax
Efficient growth
What We Offer
Life Cover
Ensure your family can maintain their lifestyle and meet financial obligations if you pass away. We structure the right sum assured based on your income, debts, and dependants.
- Lump sum payout
- Debt settlement cover
- Income replacement
- Funeral benefit add-on
- Flexible premium options
Disability Cover
Protect your income if illness or injury prevents you from working. Disability cover replaces a portion of your salary so your family's financial plan stays on track.
- Income protection
- Lump sum disability
- Temporary & permanent cover
- Occupation-based definitions
- Waiting period options
Investment-Linked Policies
Grow your wealth while maintaining protection. Endowments, retirement annuities, and education policies that combine long-term savings with life cover benefits.
- Retirement annuities
- Endowment policies
- Education savings plans
- Tax-efficient growth
- Flexible investment terms
Why Long-Term Cover Matters
South Africans will become disabled before retirement
Disability is far more likely than most people realise — yet most families have no income protection in place.
State support for most families after breadwinner death
Without life cover, a family can lose their home, car, and financial stability within months of losing a breadwinner.
The earlier you start, the lower your premiums
Long-term insurance premiums are locked in at your age of entry. Starting young means significant long-term savings.
Our Advice Process
Needs analysis
We assess your income, dependants, debts, and existing cover to identify gaps in your financial protection.
Market comparison
We compare products from multiple leading long-term insurers to find the best fit for your profile and budget.
Clear recommendation
We present your options in plain language with a clear explanation of what each policy covers and costs.
Ongoing review
Life changes. We review your cover regularly to ensure it still meets your needs as your circumstances evolve.
Start Protecting Your Family Today
A free, no-obligation consultation with one of our advisors. We'll assess your needs and find the right cover for your life.