Life, Funeral and Disability insurance


 iRetire focusses on stringing together different PARTNERS into an optimized solution for the member.


Secondary Goal - after capital accumulation, insurance needs to provide financial recoverability for dependents in the event of a death / disability of the member


Risk Benefits:

  • PHI- Monthly income replacement in event of disability.

  • GLA- Lump sum benefit for dependents in event of death.

  • Funeral- Small lump sum to assist dependents to pay for the funeral.

  • Capital disability- Lump sum benefit to assist in the event of disability.

  • Dread disease- Lump sum benefit in the event of critical illness.

  • Education benefit- Benefit to provide monies dedicated to educating your child in the event of insured's death.

  • Accidental death- Lump sum benefit for dependents in the event of death caused by an accident.

  • Accidental disability- Lump sum benefit in the  event of becoming disabled due to an accident.

  • Temporary Disability- Short term PHI (monthly salary replacement in event of disability) 


The optimal balance between investments and risk benefits to increase the probability of the primary goal (capital accumulation) being reached.



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Acravest (Pty) Ltd Reg No. 2005/013470/07  is an Approved Pension Fund Administrator under Section 13B of the Pension Funds Act (License Number 24/424) and is a registered Financial Services Provider (FSP 43176) The information and opinions contained in this document are recorded and expressed in good faith and is reliant on sources believed to be reliable. However, no representation, warranty, undertaking or guarantee of whatever nature is made or given concerning the accuracy and / or completeness of such information and/or the correctness of such opinions. Any investment is speculative and involves significant risks and in making any investment decision, you will rely solely on your own review and examination of the facts and the records relating to such investment. Past performance of the investment is not an indication of the future performance. Acravest shall have no liability of whatever nature in respect of any claim, damages, loss or expense arising out of or in connection with the reliance by you, on the contents of this document.