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Fulcrum Group

 The Fulcrum group of companies is South Africa’s foremost independent provider of premium collection and premium finance to the insurance industry. Although our roots stretch back nearly three decades (and our leadership collectively boasts decades of experience in both the insurance ...
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Guardrisk Premium Finance

 Guardrisk Premium Finance is an attractive and comprehensive banking alternative, which enables you to spread up to 100% of your annual insurance premium monthly over a period of your choice. Guardrisk Premium Finance has the specialised staff and systems to handle the financing and collection ...
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From The Glossary »

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Universal Life with-profit policies:

Universal life with-profit policies are very similar in principle to their reversionary bonus counterparts, but there are significant differences in the way bonuses are added. The benefit on death or maturity is the greater of the sum insured or the investment account. For some policies the sum insured remains constant until the investment account, which is growing in line with declared bonuses, exceeds the sum insured (referred to as the "break-out" ...
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