Risk Planning
prepare
FOR LIFE'S UNCERTAINTIES TODAY
Life insurance is one of the pillars of personal finance, deserving of consideration by every household. With the proper information, you can simplify the decision-making process and arrive at the right choice for you and your family.
Before purchasing a life insurance policy, consider your financial situation and the standard of living you want to maintain for your dependents or survivors. You will want to review these needs periodically as your family circumstances change. It’s imperative that you consult with a financial advisor in order to find the best cover for your requirements and ensure that you are not paying excessively high premiums or are under-covered.
Brenthurst Wealth offers an independent insurance broking service and source best possible quotes from various insurance companies, ensuring clients receive the most suitable product for his/her individual requirements.
Speak to any of our advisors, or contact Leslie Greyling for a life cover review. Click here to email Leslie Greyling.
what is LIFE INSURANCE and Why It Matters
Life Insurance is an agreement between you and an insurance company in which your beneficiaries will receive a financial pay out upon your death. In return you pay the insurer a monthly premium.
By its very nature Life Insurance is not a pleasant prospect to consider. We understand this. But without you there to provide for your loved ones, will they be able to meet day-to-day and long-term financial obligations? Don’t burden the people you care for most in an emotionally difficult time with financial struggles. Ensure that you will always be able to care and provide for them as you always intended with a life insurance policy to secure their future.
We believe that life insurance is important for everyone to have. By taking out Life Cover you are ensuring that you are able to leave a legacy that will make a difference in the lives of your loved ones and your dependants.
The right life cover provides peace of mind, knowing your loved ones will be financially protected.
risk planning
Personal & Business Assurance (estate Planning)
Personal Assurance
- Life cover is taken out to pay the Estate Duty and any other liabilities/debts the person might have, as cash is not always available and situation might arise where assets have to be sold by the family to pay estate duty and other debts.
- Estate Duty on death applies where a person’s assests exceeds his liabilities.
- Estates with value above R 3.5mil up to R 30mil is taxed at 20% and estate value above R30mil is taxed at 25%.
Business Assurance
- Contingent Liability cover: Life cover for owners/directors of Company for liabilities for example properties in Company name.
- Keyperson cover: Life assurance on Key Individuals in the Company, at death a selected amount is paid to the company to facilitate employing and training a person to fill the Key Individual position.
- Buy and Sell cover: Life assurance and agreement between partners in a Company that should one of them pass away, the money is paid to the other partners to enable them to “buy” the deceased partner’s shares/interest in the company.
Megan joined the Brenthurst Wealth team in March 2026 as an Administrative and Fiduciary Services Assistant at our Val de Vie Office in the Western Cape. Prior to joining Brenthurst, Megan gained three years of experience in the retail sector, where she developed management and client service skills.
I obtained my National Diploma in Financial Information Systems from the Cape Peninsula University of Technology in 1999 and have worked in the wealth management industry since January 2000. Over the years, I have gained extensive experience in various roles, including Portfolio Manager Assistant, Planner Assistant, and Paraplanner.
Esmarelda Isaacs-Andreas joined the Brenthurst Wealth Stellenbosch office in October 2025, taking on the dual role of Receptionist and Fiduciary Administrator.
I obtained my National Diploma in Financial Information Systems from the Cape Peninsula University of Technology in 1999 and have worked in the wealth management industry since January 2000. Over the years, I have gained extensive experience in various roles, including Portfolio Manager Assistant, Planner Assistant, and Paraplanner.
Ashley joined Brenthurst Wealth in January 2025 as Office Administrative Assistant and Receptionist for the Stellenbosch Office.
René Heystek joined Brenthurst Wealth in November 2023, as receptionist and administrative assistant in the newly established George/Garden Route office.
Michelle Heystek has built a career in the financial services over the last two decades, after obtaining her B.Com degree in Financial Management in 2005. Once she joined Brenthurst in 2006, she continued her academic journey, obtaining her Certificate in Wealth Management from INSETA in 2007, followed by a Postgraduate Diploma in Financial Planning from the University of the Free State. In 2008, she earned the Certified Financial Planner (CFP®) designation.
Anelle joined Brenthurst Wealth as a Receptionist and Administrative Assistant to Brian Butchart in the Cape Town office in December 2023. She has a wealth of knowledge from working as a liaison between Financial Advisers and clients at TMA and Absa Investment Management Services (Aims) since 1998. She obtained her B. com degree from the University of Port Elizabeth in 1997.
ADMITTED ATTORNEY | FINANCIAL PLANNER & HEAD OF BRENTHURST FOURWAYS
Sanet was appointed in April 2020, joining our Cape Town team as an Executive Administration Assistant to Renee Eagar. She has been in the financial services industry since 1990. Her previous experience includes positions at Sanlam, BJM and ABSA. She spent her last 12 years working at Alexander Forbes Private Client Wealth as a Senior Wealth Management Assistant. She has received numerous accolades over the years which include but not limited to, Alexander Forbes Client Service Excellence – Silver award in 2014,2015 and 2017. Sanet has also obtained her Certificate in Wealth Management (NQF 5) in 2012 and achieved “Best Student of the Year” from Moonstone.
Maria Smit is a Certified Financial Planner® with over 10 years of experience in the financial planning industry.
