What We Offer

What We Offer

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
Funeral Benefit
Our Funeral Benefit eases the financial burden of funeral expenses for employees and their families. It can also cover parents and parents-in-law. A repatriation benefit can be included for extra coverage.
The benefit can become paid up in the event of the main member's death or disability. The cost is expressed as a monthly fee per member, with the benefit amount scaling based on the child's age.

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:Â 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.

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

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.

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.Â
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.

* 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
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:

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

Administration Services
* Jigsaw Financial Services (Pty) Ltd has 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.
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.
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.
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.Premium Receipt and Analysis 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.
Are You Ready To Choose The JIGSAW Advantage?
We’ll work closely with you, creating simple group 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, providing guidance throughout your journey with us.Â
If you have any questions or want to know more about our products and services, contact us now and discover the JIGSAW advantage.
Are You Ready to Choose the JIGSAW Advantage?
We’ll work closely with you, creating simple group 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, providing guidance throughout your journey with us.Â
If you have any questions or want to know more about our products and services, contact us now and discover the JIGSAW advantage.
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Financial Legacy
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