What We Offer

People Frames

What We Offer

We care deeply about people and their families during challenging times, understanding that life can be extremely unpredictable.

That’s why we’re here to provide support and financial security with our range of exclusive products, designed for you.

Our Products

Group Life Cover

In the unfortunate event of an employee passing away, our group life cover ensures financial security for their family's future. Your client can choose from different forms of coverage:

  • Multiple of salary
  • Multiple of salary (minus the individual's share of the fund)
  • Flat benefit amount

This cover can be approved within a retirement fund or as a separate option. Regardless of the chosen form, the basic benefit remains consistent for all individuals in a category.

Your client can also enhance their coverage with:

  • Continued Cover: If an employee becomes disabled, their group life cover continues under the group life policy, if they are receiving a disability benefit.
  • Tax Replacement Cover: This coverage makes sure that when both the group life cover and a part of the Retirement Fund are approved, they include taxes. The goal is to ensure that the full intended benefit amount is paid out to beneficiaries when the insured person passes away, without any tax deductions.
  • Accidental Cover: Provides an additional payout for accidental death.
  • Conversion Option:  Allows employees to convert their coverage into an individual policy when they leave the employer, with minimal requirements and no underwriting. This option is available both upon withdrawal and retirement.
  • Flexible Death Benefit: In addition to the main compulsory death benefit, a flexible death benefit may be added when an employee chooses additional cover.
  • Educator: Provides financial support for education expenses to the employee's family.
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Lump Sum Disability Benefit

Our Lump Sum Disability Benefit provides a one-time lump sum payment to employees who become totally and permanently disabled due to illness or injury, rendering them unable to work. Once this option is paid, the death benefit falls away. 

This benefit considers disability in both the employee's occupation and any occupation, ensuring comprehensive coverage. The benefit may be selected as tapered or non-tapered during the five years leading up to retirement age.

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Critical Illness Benefit

Our Critical Illness Benefit is designed to assist employees when they're diagnosed with a critical illness, helping them make necessary lifestyle changes.

Options for this benefit include standard coverage, fully comprehensive coverage, scaled coverage, and an option that pays the full sum assured.

Your client can choose to set the sum assured as a multiple of salary or a fixed rand amount. Additionally, we offer a reinstatement option that allows for multiple claims.

This benefit can be taken as a standalone policy or as an accelerated benefit when combined with death cover. We also offer add-ons, such as flexible coverage and an option for conversion upon withdrawal.

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Compulsory Funeral Cover

Support When It Matters Most

At Jigsaw, we understand that in times of loss, families need more than just money, they need reassurance and dignity. Our Compulsory Funeral Cover provides essential support by easing the financial strain of funeral expenses, helping families focus on what truly matters.

Whether your client is an employer, union, professional body, church or school, we offer structured cover for members and their immediate families. Our solutions are tailored to your group’s needs, ensuring every member is supported with care and consistency.

As an adviser, you’re offering more than a benefit, you’re offering comfort, security, and shared strength during life’s most difficult moments.

Because when people belong to something bigger, their cover should reflect that. And with Jigsaw, they’re never left to face it alone.

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Gap Cover

When it comes to your client’s health, peace of mind matters.

Where medical aid stops, we step in.

Even the best medical aids don’t always cover the full cost of hospital treatments or specialised procedures. Many healthcare providers charge above predefined medical scheme rates, leaving your clients exposed to significant out-of-pocket shortfalls, often at the worst possible time.

That’s where Jigsaw Health and Risk Services’ choice of Gap Cover steps in.

Our solutions are built with you, the adviser, in mind, giving you choice, flexibility, and the ability to tailor cover that protects your clients when they need it most. We help close the gap between what’s covered and what’s charged, so your clients can focus on healing, not bills.

We care deeply about helping people through life’s most difficult moments and we know your role is critical in delivering peace of mind. With Jigsaw, you can offer meaningful financial protection and real support when it matters most.

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Scholars Personal Accident Cover

“Because every child’s safety is priceless.”

Where care is urgent, we respond without delay. When a child is injured, every second counts. Schools need fast, effective action without red tape or uncertainty. That’s why Jigsaw Health and Risk Services offers Scholars Personal Accident & Contingency Insurance: to ensure your learners get the care they need, right when they need it.

Built specifically for the education environment, our solution gives schools immediate access to medical assistance, whether they’re on the playground, on tour, or on their way home.

You get simple, all-inclusive cover where every learner is automatically included. Teaching and admin staff are covered at no additional cost, and ground staff can be added as needed. Because when it comes to children’s safety, there should be no gaps, no delays, and no compromises.

We know that schools carry the weight of responsibility for every child under their care. With Jigsaw by your side, schools can offer reassurance to parents, staff, and learners alike knowing that when accidents happen, they’re ready.

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Disability Income Benefit

Our Disability Income Benefit provides a monthly income if an employee is unable to work due to an accident or illness.

After an initial period, which can be either 12 or 24 months, where the benefit is assessed based on own occupation, the ongoing benefit is determined based on experience and education, considering any occupation. The employee benefit can be structured with either a scaled or flat payout, and it's capped at 100% of the employee's net after-tax income at the time of disability.

We offer various waiting periods (1, 3, 6, or 12 months) and optional waivers for Retirement and Risk costs as well as Medical Aid premiums. Additionally, there's an option for a conversion benefit on resignation within 5 years of retirement age

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Voluntary Funeral Cover

Choice. Continuity. Coverage that Cares.

At Jigsaw, we believe in giving people options that truly work for them. Our Voluntary Funeral Cover is designed with flexibility in mind, because life doesn’t stand still.

We support employers who want to offer their employees the ability to add cover for extended family members. But it doesn’t stop there. When an employee leaves their employer, we offer the option to retain their funeral cover independently, recognising their existing benefits and providing peace of mind through continued protection.

Need something more bespoke? If you're a group or organisation looking for voluntary cover, we can design a tailored solution that includes both family and extended family members, ensuring everyone who matters is covered.

Because at Jigsaw, we don’t just offer funeral cover. We offer certainty in uncertain times.

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* These products are subject to the insurer’s policy terms and conditions which may contain certain maximums, limitations and exclusions which can be obtained from compliance@jigsawsa.co.za

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Our Services

Risk Specialist Services

We’re dedicated to providing comprehensive and proactive risk specialist services tailored to your needs.

Here’s how we do it:

Quotations Made Easy

You’ll receive prompt and accurate quotations, along with benefit comparisons, empowering you and your client in making informed decisions.

Effortless Onboarding

We simplify paperwork by prepopulating forms and delivering installation packs directly to policyholders.

Knowledge Empowerment

We offer training on product specifics and administration to ensure you have the tools for successful policy management.

Adaptable Support

Experience effortless benefit changes. We’ll assist with everything you need to know, including guidance on legislative requirements.

Medical Expertise

All your medical evidence and underwriting requests will be handled with empathy and sensitivity.

Cancellation Management

You will receive help with cancelling coverage, ensuring all procedures are followed meticulously.

Data-Driven Insights

We use statistical information, data analysis, tracking scheme movements and demographics for precise pricing and negotiations.

Negotiation Power

We negotiate with insurers on your behalf so that you’ll get the best service and outstanding value.

Ongoing Management

We conduct annual rate reviews and market surveys and provide you with comprehensive reports on administration, claims, and underwriting.

Policy Expertise

We align Terms and Conditions with insurers, making it easy for you to switch between providers. We also keep policies updated for compliance with regulatory changes.

Claims Management

We handle the assessment of death and funeral benefits to ensure they comply with authorised limits on behalf of the insurer. You and your clients will also receive assistance with the disability and critical illness claims process, guiding you through how to complete forms and annexures.

By managing claims for the insurer, we aim to provide a hassle-free experience for policyholders and beneficiaries. Our team ensures accurate and prompt processing of claims.

Premium Receipt and Analysis

We manage premium payments for the insurer, carefully reviewing and reconciling them to ensure the correct premiums are received, and any outstanding payments are collected.

As a responsible institution, thorough credit control processes are also in place. We follow the Financial Intelligence Centre Act to prevent money laundering. This means we’ll ask for specific documents to verify our policyholders’ identities, and we’ll guide you through this process.

Intermediary Support

As an intermediary, you will contract directly with the insurer. We’ll help you with your contract and the accreditation process, ensuring a smooth partnership.

We also manage the payment of commissions and provide commission statements to you on behalf of the insurer.

With our administration services, your insurance operations are in expert hands. We make the process efficient and compliant, so you can focus on building strong client relationships and growing your business.

* Jigsaw Financial Services (Pty) Ltd and Jigsaw Health and Risk Services (Pty) Ltd have entered into binder and outsource agreements with various insurers and is remunerated in line with legislated maximums. A full breakdown of our fees can be found on all our quotes and renewals.

Are You Ready to Choose the Jigsaw Advantage?

We’ll work closely with you, creating simple risk solutions that meet your unique needs and preferences.

With a long history of trust and reliability, serving employers, employees, and families over the years, our dedicated team of professionals is on standby, ready to lend a helping hand to you, the advisor, guiding your journey with us. 

If you have any questions or want to know more about our products and services, contact us now and discover the Jigsaw advantage.

Preserve Your Financial Legacy

Reach Out to Us at Any Time

We welcome your inquiries and feedback

Please feel free to reach out to us through our contact form, and we will respond to you as soon as possible.

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