Products and cover | Brawne Protect

These are plain-language descriptions of the types of cover we help with. They are general information, not advice or an offer. What you actually get is set by your policy, and all cover is subject to the policy terms and conditions.

Before you buy any cover

Tell us the full truth. Leaving out or misstating a material fact can lead to a claim being rejected.
Read the policy schedule and key terms: what is covered, the exclusions, waiting periods, excesses and the premium.
Premiums can change over time. Ask us how and when.
You may have a cooling-off right. Your policy documents state the period.
Do not cancel existing cover until the new cover is in force. Replacing a policy can mean new waiting periods and exclusions.
We explain our fees and any commission before you sign.

For individuals and families

Life insurance

What it is: Pays a lump sum to your beneficiaries when you die, so people who depend on you can settle debts and keep up their standard of living.
Who it is for: Anyone with dependants, a bond or other debts.
Good to know: The right amount depends on your needs. Premiums depend on factors such as age, health and lifestyle, and you must answer health questions honestly.

Retirement and investment planning

What it is: Advice on building savings and retirement capital, using products such as retirement annuities, endowments, unit trusts and other investments that fall within our licence.
Who it is for: People saving for retirement, education or other long-term goals.
Good to know: Investment values can go down as well as up, and past performance does not guarantee future returns. Charges and tax treatment differ by product, so we explain them before you decide.

Funeral cover

What it is: Pays a benefit when an insured person dies, to help the family with funeral costs.
Who it is for: Individuals and families who want to be ready for funeral costs.
Good to know: Waiting periods often apply for death from natural causes. Check who is covered, how much is paid and who the beneficiary is, and keep those details up to date.

Severe illness cover

What it is: Pays a lump sum if you are diagnosed with a serious illness listed in the policy, such as certain cancers or heart conditions.
Who it is for: People who want financial support during treatment and recovery.
Good to know: Each illness is defined in the policy and often has its own severity test. Not every diagnosis qualifies for a payment.

Disability cover

What it is: Pays a lump sum if an illness or injury leaves you permanently disabled, as the policy defines it.
Who it is for: Anyone whose income or lifestyle would be hit hard by a permanent disability.
Good to know: The definition of disability differs between policies. Read it carefully, and ask us if anything is unclear.

Income protection

What it is: Pays a monthly income if you cannot work because of illness or injury, for as long as the policy allows.
Who it is for: Employed and self-employed people who rely on their monthly income.
Good to know: Payments usually start after a waiting period and are limited to a share of your income. The policy sets the end date.

Car and household insurance

What it is: Short-term insurance that covers loss of or damage to your vehicle, and to your home or its contents, for the events the policy lists, such as accident, theft or fire.
Who it is for: Vehicle owners, home owners and tenants.
Good to know: The sum insured should match the real value of what you insure. An excess usually applies to each claim. Your policy may require things such as security measures and accurate details.

For businesses

Key person insurance

What it is: Pays the business a lump sum if a person who is critical to its success dies or becomes disabled, so it can manage the disruption.
Who it is for: Businesses that depend heavily on one or a few people.
Good to know: The business must have a genuine financial interest in the person. The amount should reflect the likely loss to the business.

Buy and sell insurance

What it is: Provides funds so the remaining owners can buy the share of an owner who dies or becomes disabled.
Who it is for: Businesses with more than one owner.
Good to know: It works best with a written buy-and-sell agreement. Tax and ownership of the policies matter, so involve your accountant or lawyer.

Group benefits

What it is: Cover arranged by an employer for employees, such as group life, disability, funeral and income protection.
Who it is for: Employers who want to look after their staff.
Good to know: Scheme rules decide who qualifies and what is paid. Employers must keep member and beneficiary details current.

Professional indemnity cover

What it is: Protects professionals and firms against claims from clients who say they lost money because of professional advice or services.
Who it is for: Consultants, advisers, accountants, engineers and other professional service providers.
Good to know: Many policies cover claims made during the policy period only. Check the limit of indemnity, the excess and any retroactive date.

Business insurance

What it is: Covers a business’s property and operations against the events the policy lists, such as fire, theft or interruption to trading.
Who it is for: Owners of shops, offices, workshops and other small and medium businesses.
Good to know: The sum insured should reflect what it would cost to replace what you own. Business interruption cover has a limit on how long it pays.

How to claim

Tell us early. Contact us on info@brawne.co.za or +27 72 338 2640 as soon as you can after the event. Policies often set time limits for giving notice.
Gather what the insurer asks for. This usually includes the policy number, your identity document and proof of the event, such as a death certificate, accident report or medical report.
We help you complete and send the claim. We follow up with the insurer for you.
The insurer decides the claim under the policy terms and gives its reasons in writing.
If you disagree with the outcome, tell us. We will help you take it up with the insurer and, if needed, the ombud. See our complaints policy.

Claims are assessed and paid by the insurer named in your policy. Brawne Protect does not decide claims, but we assist where needed, for example by helping you gather documents, submit the claim and follow up.

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Cover explained in plain language.