Life Insurance with KPC Brokers
Life insurance is about matching your changing needs and providing peace of mind for you and your loved ones. At KPC Brokers, we understand the unique challenges you may face, from rising costs to economic uncertainty. That’s why we offer tailored life insurance solutions to ensure your family is protected, no matter what life throws your way.
Start With A Free Life Insurance Quote
Cost isn’t everything but we know it is a consideration when looking for life insurance cover, so leave your details & our team will call you back within 48 hours.
What is Life Insurance?
Your ability to earn an income is your most valuable asset. By paying a regular premium, you can protect your lifestyle and needs should you become ill, disabled or pass away.
Why is Life Insurance Important in South Africa?
In South Africa, life insurance plays a critical role in addressing common financial challenges:
- High dependency ratios: Many families rely on a single breadwinner. Life insurance safeguards their stability should the worst occur.
- Covering funeral costs: With funerals in South Africa costing between R7,000 and R15,000, life insurance prevents financial strain during times of grief.
- Estate delays: Bank accounts are often frozen upon death, leaving families in limbo. Life insurance pay-outs provide immediate relief.
- Economic uncertainties: From high unemployment rates to unpredictable healthcare expenses, life insurance serves as a vital safety net.
Types of Life Insurance we offer
At KPC Brokers, we provide a range of life insurance solutions tailored to meet individual needs:
- Term Life Insurance: Affordable coverage for a fixed term (e.g., 10–30 years). Ideal for covering specific obligations like loans or temporary financial needs.
- Whole Life Insurance: Permanent coverage that provides lifelong protection, often including a savings component or additional benefits for critical illness or disability.
- Income Protector: Designed to help protect your ability to earn an income. If you are unable to work due to an illness or injury this policy will help you cover your living expenses.
- Critical Illness Cover: Provides an injection of capital that can help cover unexpected financial needs should you become critically ill.
- Funeral Cover: Ensures your loved ones can provide a dignified farewell without financial stress.
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How Much Coverage Do You Need?
Every family’s needs are unique, but a general rule of thumb is coverage that’s at least 10 times your annual income. This ensures sufficient support for your family’s long-term goals and immediate expenses. Our advisors at KPC Brokers will guide you through assessing your specific needs, factoring in debts, lifestyle, and dependents.
Why Choose KPC Brokers?
With our deep understanding of the South African market, we’re committed to helping you navigate the complexities of life insurance. We partner with top insurers to offer competitive rates and comprehensive plans. At KPC Brokers, our mission is to protect what matters most to you—your family’s future.
What We Bring To The Table
Tailored Insurance Packages
We know that no two clients are the same and so we make sure to tailor our business and household insurance packages to meet their unique needs.
Easily Contactable
Life is unpredictable and so we make sure to always be available to our clients. Call our office directly or message us on WhatsApp and speak to one of our insurance specialists directly.
Problem Solvers
We are not a passive insurance broker. If you have a problem with one of your policies reach out to us and we will approach the insurance company on your behalf. We fight in your corner.
Quick Answers
I have a big portfolio with different insurers, how can you assist?
We have multiple agencies with various insurers with all facets of business and personal insurance who can assist us to structure your policy. We are independent so you can choose and we can advise which insurers will be best for you!
I have a policy I really like but I’m just not getting the service I need. Can KPC help me?
Great! We can happily assist you in getting better service through our agreements and relationships with multiple insurers.
Do I have to pay my insurance premiums annually?
You can pay monthly via debit order or annually with 95% of all the insurers we have agencies with, let us know what works for you!
I don’t claim much, if at all, can this help my premium?
Yes! If you have a low claims history it will help your premium. If you are prone to claiming, maybe try a higher excess for a lower premium? Some personal policies even have zero basic excesses and even some of our business policies too!
I hate a dealing with call centres, do you have a call centre?
Us too! Our phones will never be answered by a call centre and only by a staff member. You only deal with our office and we handle the rest.
Interested in Investing?
Investment
At KPC we offer a number of different investment solutions which are tailored to suit your specific needs. Our experts will guide through the process and be there for you every step of the way.
Let's Talk Business!
Send A Message
If you're not ready to chat to our team on the phone yet, send us a message with your insurance related query and we'll get back to you with an answer as soon as we can.