Insurance
Coverage You
Can Count On

Your security, our commitment. Anytime, anywhere—we protect what matters most to you

SERVICES

Tailored insurance for
every stage of life.

Life
Insurance

Safeguard your financial future and loved ones with our robust life insurance. Covering death, disability, terminal illness, and retrenchment, our flexible plans protect your assets and ensure family stability. Pass on wealth to future generations. Secure your future with our trusted life insurance today.

Retirement

Retirement planning is crucial, with only 1 in 10 retiring wealthy. Most face financial instability, depleting savings by 65 due to debts, inflation, and rising costs. Our diverse retirement plans, including annuities and offshore investments, ensure a secure future. Secure your retirement with us today.

Investments

Maximize your investments with our tailored options. Whether you choose our flexible Basic Investment Account or our Local and Offshore Platforms, you’ll have access to diverse unit trusts and global markets. Benefit from tax advantages and select from Unit Trusts, Endowment Plans, Annuities, and Sinking Funds to meet your financial goals.

Business
Assurance

Protect your business with essential assurance solutions. Contingent Liability safeguards your estate from creditors. Buy-and-Sell Agreements ensure business control. Key Person Cover supports your business after losing a vital member. Shareholder’s Loan Account Cover repays debts, preventing asset sales. Secure your business and personal assets today. .

Estate
Planning

Secure your legacy with ease. Drafting your will takes just an hour. We offer expert consultants, free collection and safekeeping, and unlimited free amendments. Create trusts, get personal estate advice, and choose flexible executor options with professional administration and cost coverage. Start your will today.

ABOUT

All about
Brightsure

Founded in 2014 in South Africa, Brightsure is part of Aene Capital (Pty) Ltd. It specializes in wealth management and fiduciary services, focusing on emerging and frontier markets. Our mission is to provide personalized insurance and professional investment advice tailored to your unique financial journey. Let's plan your financial future together and take you beyond remarkable.

Our Personalized Approach

For a decade, we have seamlessly integrated cutting-edge technology with human expertise and experience. At Brightsure Group, we believe in a personal approach, carefully matching your insurance needs and investment temperament with the right advisor. This partnership ensures that your unique needs and goals are met with precision and care.

Our Investment Philosophy

Embracing Uncertainty: We incorporate uncertainties into our portfolio construction process to effectively manage risks.

Diversification: Our portfolios are diversified across various asset classes to enhance risk-adjusted returns.

Valuation Sensitivity: We base our investment decisions on the valuation of asset classes, ensuring informed and prudent choices.

Asset Allocation: Strategic asset allocation drives a significant portion of investment returns, and we meticulously plan and execute this process.

Comprehensive Services

Our goal is to help South Africans secure a Brightsure future through sound financial services. We provide expert advice to families and individual shareholders, understanding the unique challenges faced by family and founder-owned company

APPROACH

Our goal is to protect what you care about most

With R10.8 million in Assets Under Management and a 97% client retention rate, Brightsure Group is a leading financial advisor in South Africa. Our team of top financial experts is committed to building lasting partnerships, with over 99% of our clients choosing to stay with us

BENEFITS

Strength that speaks for itself

Commitment

We adhere to the Treating Customers Fairly (TCF) principles, ensuring fair, transparent, and respectful treatment for all our clients.

Efficiency

Manages R10.8 million in assets with a 97% client retention rate. Over 99% of our clients trust us with their financial futures.

Trust

At Brightsure Group, your assets are secure, and your financial future is in the hands of trusted experts.

TESTIMONIALS

What our clients are saying

I always thought life insurance was too expensive, but Brightsure Group proved me wrong. They tailored a policy that fits my budget perfectly, giving me peace of mind knowing my family is protected." - Thandi M.

I bought life insurance when I was young, thanks to Brightsure Group's advice. The premiums are affordable, and I have long-term coverage. It's one of the best financial decisions I've made." - Lerato K.

"Brightsure Group's team of financial experts helped me navigate complex investment options with ease. Their strategic advice has led to impressive returns, and I feel more secure about my financial future than ever." -Del D.

FAQ

You're probably
wondering...

To avoid taxes and administration fees – don’t put anything of value in your will”.

Your estate, in its entirety (not just your Will) is administered and attracts taxes and fees, even if you do not have a will this is still the case. The Estate Duty Act 45 of 1955 prescribes that a person’s estate consists of all property of that person at the date of death and all property which in accordance with the Act is deemed to be property of that person at the date of death. This is regardless of whether or not that person stipulates such property in their Will or has no Will in place.
Only the Breadwinner Needs Life Insurance

Reality: Life insurance can benefit anyone who contributes to the household, including stay-at-home parents, by covering childcare and household responsibilities.
Assets, investments, share portfolios, shares, policies, house – don’t put it in a will. If you just nominate the beneficiaries in your policies and pensions then you don’t need a will, as long as they’re of age – they will inherit it. Put your beneficiaries as co-owner of the investments. Make sure that you don’t need lawyers and administrators. Avoid the process – children can directly inherit.

Although beneficiary nominations are possible for certain investments, life policies and retirement funds, and will therefore not form part of your executable estate, these assets will still be subject to relevant taxes such as estate duty and capital gains tax. However, this is not possible for a majority of assets and certain assets are restricted from having co-owners. Even if the assets are not included in your will or you do not have a will in place, your estate still needs to be reported to the Master of the High Court in terms of the Administration of Estates Act 66 of 1965, and an executor appointed in order to administer your estate. By law executor's fees are up to a maximum 3.5% plus VAT (if applicable). There are also further complications with his view of transferring ownership of assets to dependents as it doesn’t account for the possibility of them passing away before you do.
The only things that you should have in your will are what you want to give your children, and what you want to happen when you die, how you get buried / ashes scattered etc. and items like shoes, bags, belts, clothing, jewellery.

In the event of not dealing with your entire estate in your Last Will and Testament, you will die partly testate and partly intestate, meaning that the bequest and provisions you make in your will shall be carried out accordingly, however, the remainder of your assets will be distributed in terms of the provisions contained in the Intestate Succession Act 81 of 1987. Failing to provide for provisions such as creation of Testamentary Trusts for minor children would mean that the inheritance of such minor children will be placed in the Government Guardian’s Fund.
Life Insurance is Only for Older People

Reality: Younger individuals can benefit from lower premiums and longer coverage periods, making it advantageous to purchase life insurance early.
You do not need a will, especially if you are a working-class person and don’t have a lot of properties

A Will is important due to the fact that in South Africa you have freedom of Testation which allows you to prescribe how you wish your estate to be distributed. A will also allows you to provide other important directions such as preferred guardians of minor children, setting up of Testamentary Trusts (so as to avoid minor’s inheritance from going into the Government Guardian’s Fund), appointing an Executor, etc. all by way of the Will. If you do not have a will then your estate will be distributed in terms of the provisions of the Intestate Succession Act 81 of 1987. The government will distribute it according to a set formula which may not be how you intended your assets to be distributed
My Employer's Policy is Sufficient

Reality: Employer-provided life insurance may not offer enough coverage and is often lost when changing jobs. Personal policies ensure continuous and adequate protection.
The rich don’t own anything when they die – therefore it doesn’t go through probate and they don’t pay estate duty. They avoid all fees because of proper estate plans. (We assume he is referring to trusts). If you don’t have a lot – put everything in your children’s names. Beneficiaries must be the ones to claim the monies on their behalf.”

Firstly, probate is foreign concept and is not applicable in South African Law. The notion that the “rich” don’t own anything when they die is nonsensical. Certainly proper estate plan is absolutely essential, and this includes a correctly structured Last Will and Testament and may include other vehicles such as trusts where they make sense. Inter vivos Trusts also form part of a proper estate plan and having such structures can greatly reduce costs and taxes when you pass away, as assets owned by a Trust do not form part of your personal estate and are therefore not subject to executor fees and taxes such as estate duty and capital gains tax when you pass away. However, these structures can also be complex and costly to set up and run required professional to help administer and do proper accounting thereof.
How do I add a new question & answer?

To add a new FAQ follow these steps: 1. Manage FAQs from your site dashboard or in the Editor 2. Add a new question & answer 3. Assign your FAQ to a category 4. Save and publish. You can always come back and edit your FAQs.
How do I edit or remove the 'Frequently Asked Questions' title?

You can edit the title from the FAQ 'Settings' tab in the Editor. To remove the title from your mobile app go to the 'Site & App' tab in your Owner's app and customize.
Can I insert an image, video, or GIF in my FAQ?

Yes. To add media follow these steps: 1. Manage FAQs from your site dashboard or in the Editor 2. Create a new FAQ or edit an existing one 3. From the answer text box click on the video, image or GIF icon 4. Add media from your library and save.

Insurance Coverage You Can Count On