WELCOME
At Secure My Future, we pride ourselves on professional honest, independent advice that’ll help you achieve your goal whatever it might be. We are here to partner and assist you in all facets of Financial Planning for the long term. Rome was not built in a day and neither will your legacy, only through effective financial planning over time will you leave something great for your family.
About Us
Secure My Future is an authorised Financial Service Provider (FSP 48571) that focuses on providing specialist advice, support and assistance to individuals, their families and employer groups. At Secure My Future we offer unbiased, independent advice which means that our clients benefit from personalised and tailor-made solutions aimed at meeting their unique needs, individually. We strongly believe in, and adhere to the principal of TREATING CUSTOMERS FAIRL:Y.
ONE SIZE DOESN’T FIT ALL
Secure My Future is here for you! We take your ideas, hopes and dreams and implement a plan that will help you achieve financial security in the long term. We analyse and decipher complex financial products, compare them and then communicate their value in language that you can easily understand, without the jargon. Whatever your goals are, whether to become debt free, save for children’s varsity education, early retirement or achieving your first million, or working out ways to spend your second – we want to help you to achieve them.
WHAT OUR CLIENTS SAY
I just want to THANK YOU from the bottom of my heart. You gave us such a good recommendation when we wanted to move from Disc, and you've helped us fought every fight and even now to lower our plan. It means everything to me (us). Your admin and knowledge literally saves lives.
L Buys
SERVICES
SHORT TERM INSURANCE
Too often cheap premiums are sold, but sacrifice value, when it comes to short term insurance. There is an old adage “Imagine everything you own getting taken away from you. Now imagine getting it all back!” Secure My Future aims to do exactly this by helping you to ensure that you’re always adequately and properly insured. Regular policy reviews together with clear and simple advice mean that you always make the most informed decision and keep yourself perfectly covered. We are proudly independent and our current preferred providers include Santam, Discovery, Momentum and Echelon. Pop us a mail to info@securemyfuture.co.za for an analysis and comparison.
MEDICAL AID
Health – Good health is something we all hope for, but it can never be guaranteed. The rising costs of medical treatment and the costs associated with Private Hospitalisation mean it’s essential to have a medical scheme that provides you with sufficient cover for potentially catastrophic events as well as your basic day to day needs. With medical aid becoming a major household expense, it is critical to make an informed choice for you and your family. Understanding what your options are will help you to ensure that you are not left in the lurch. Talk to us about independent medical scheme advice and comparisons between offerings and service providers.
GAP COVER
Rapid advances in medical technology mean that diseases are now being diagnosed much earlier and people are living longer. Often this results in more frequent hospitalisation and unexpected charges as providers rates are not always aligned with what medical schemes pay out. Gap Cover in its simplest form aims to cover the cost difference between the doctor’s rate and what your scheme pays out. Example, Dr A charges R500 for an operation but the medical schemes rate/tariff is R300. When a medical scheme says that cover at 100% of their rate they mean they are covering 100% of the R300, not the R500. This means that you, the member, are liable for the other R200 due to the doctor. Gap Cover can cover the difference of up to 500% of the medical scheme rate, while also providing cover for other shortfalls such as co-payments etc. We deal with most reputable Gap Providers and offer independent advice and comparisons.
TRAVEL INSURANCE
Not all travel insurance is the same. Even if your medical scheme offers international health cover, it makes sense to purchase additional cover for unforeseen events, such as luggage theft, flight changes etc. Our preferred provider is Linkham, a company with a long and reputable track record. View the brochure here – brochure – Linkham Travel Insurance Brochure – May 2025 You can get a quote and purchase with minimal fuss by using this link – Online Travel Application or contact us for an application form.
PET INSURANCE
With the rising costs associated with Pet health and procedures, caring pet lovers realise the importance of protecting their beloved companions in times of need. Pet Insurance allows you to ensure the best possible cover in the event of an accident or illness and offset high Vet or Pet Hospital costs. Interested in getting a quote – send us an email to info@securemyfuture.co.za.
Take Tomorrow Back
LIFE INSURANCE
What will happen to your family’s finances if you’re no longer there? Will they be able to continue living their current life style or pursuing their dreams? Your debt doesn’t die along with you. Life Insurance is often the best investment you can make for your family should you pass away while they are reliant on you.
Dread Disease, Lump sum Disability, Retrenchment and Income Replacement cover also all have their place to ensure that your goals can still be achieved when life unexpectedly throws you a curve ball.
BUSINESS ASSURANCE
Business with partners is very much like a marriage. However, should one of you pass away, it may be the spouse of your partner that becomes your “new” partner. For many reasons, this may not always be the most ideal situation. You may wish to buy your ex-partner’s spouse out but this may not always be possible due to cash flow constraints. This is where ‘buy and sell’ contracts are invaluable. Simply put, Buy and Sell agreements ensure that 1) In the event of your death, your family reap the rewards of your hard work by securing them the proceeds of the policy. 2) Business can continue as per normal, protecting the day to day lives of both your partners and your employees. 3) Even if the business is in a slump, when you pass away your family still get the proceeds.
INVESTMENT AND RETIREMENT PLANNING
We all have financial goals and dreams and we are here to help you achieve yours. The truth is that unless you are making your money work for you, you will work for money for the rest of your life. At Secure My Future we offer advice on a range of products and services, from Retirement Annuities, Pension and Provident funds, Endowments, Unit Trust investments, Provident and Pension Preservation Funds. When you reach retirement age we can even assist you in investing the funds that you need for the future. These days, there is a very real risk of running out of capital, but with the right plan, we can help prevent this from ever happening.
WILLS
A properly completed Will ensures your wishes regarding your assets and dependents are legally documented after your death. It provides peace of mind and clarity for your loved ones and , avoids potential disputes and ensures correct administrative procedures. Without a Will you run the risk that the State will decide on how your assets are distributed. In addition the legalities about how Will needs to be drawn up are often misunderstood and confusing – for example many believe that a hand written or video Will suffices, but it does not. We associate ourselves with reputable companies that will not only store your Will, but that offer Executor services for your Estate.
CONTACT US
info@securemyfuture.co.za
Office (9am to 4pm)
Tel: +27 (0)73 226 2443