Family peacefully watching mountain sunset enjoying financial security

We care about
your future.

Personalised solutions. Trusted advice.
Since 1988.

SINCE JUNE 1988

Welcome to
Pro-Sure Brokers

FOR ALL YOUR INSURANCE AND INVESTMENT NEEDS

Pro-Sure Brokers have access to a broad spectrum of authorised Financial Service Providers, enabling us to provide our clients with truly tailor-made financial solutions.

Established in June 1988 by Frikkie du Toit, Pro-Sure Brokers has provided independent, steadfast guidance through more than three and a half decades of shifting financial landscapes. Our longevity stems from one unchanging principle: putting our clients' best interests first, every single day.

"Years of experience have taught us that it is an art to determine exactly what a client's need is. Listening carefully to what the client expects facilitates the process of determining the goal. Sometimes a client's expectation about the markets is unrealistic, and then it is our job to inform the person about the implication of risk. We manage the fear and greed of people."
Frikkie du Toit Principal Broker & Founder • Pro-Sure Brokers

35+ Years

Trusted Expertise

Steadfast, independent financial brokerage delivering generational peace of mind since 1988.

FSCA Lic: 9990

Fully Authorised & Compliant

Operating in strict compliance with the Financial Sector Conduct Authority and FAIS code of conduct.

100% Independent

Objective Advisory

We work for you, not the product houses. We compare multiple top-tier underwriters to find your ideal match.

Bloemfontein

Personalised Client Care

Direct access to our senior brokers, timely annual policy reviews, and hands-on claims advocacy.

WHAT WE DO

Comprehensive Financial Services

Every individual, family, and business has unique aspirations and risks. We design customized structures to protect what you value and build lasting prosperity.

01

Life Insurance

Protect your family's future and safeguard your lifestyle against unforeseen life events with comprehensive risk cover.

  • Pure Life Cover: Lump-sum payouts ensuring family mortgage and debt protection.
  • Disability Cover: Capital & temporary disability to replace lost income.
  • Severe Illness / Dread Disease: Comprehensive critical illness benefits.
  • Income Protection: Reliable monthly income replacement should you fall ill.
02

Medical Aid & Gap Cover

Navigate the complex South African healthcare environment with expert advice on hospital plans, savings, and gap cover.

  • Comprehensive Healthcare: Day-to-day doctor, dentistry, and chronic medicine cover.
  • Hospital Plans: Private hospital admission and specialist treatment.
  • Gap Cover: Covers up to 500% tariff shortfalls charged by in-hospital specialists.
  • Plan Optimization: Annual plan comparisons to maximize medical benefits while controlling costs.
03

Short Term Insurance

Safeguard your valuable assets, vehicles, property, and business against accidental loss, fire, theft, and natural damages.

  • Motor Vehicle Cover: Comprehensive, third-party, and roadside assistance.
  • Buildings & Home Contents: Protection against storms, fires, and theft.
  • All Risk & Valuables: Laptops, jewelry, cameras, and portable gear insured anywhere.
  • Commercial & Business: Public liability, business interruption, fleet & goods in transit.
04

Estate Planning

Preserve generational wealth and ensure your assets transition smoothly to your heirs with minimal tax and maximum liquidity.

  • Liquidity Calculations: Prevent forced asset sales to settle estate duties.
  • Trust Structuring: Inter vivos & testamentary trusts for asset protection.
  • Capital Gains & Estate Duty: Proactive tax-efficient legacy structuring.
  • Business Succession: Buy-and-sell agreements and key person assurance.
05

Last Will & Testament

A valid, legally drafted will prevents family hardship, avoids intestate succession delays, and guarantees your exact wishes.

  • Professional Drafting: Legally sound and compliant with South African succession law.
  • Guardian Nominations: Legal protection and provision for minor children.
  • Executor Services: Experienced, reputable administration to wind up estates efficiently.
  • Safe Custody: Safe keeping and regular updates as your family circumstances evolve.
06

Investments & Retirement

There is a right investment for everyone. We build disciplined, inflation-beating portfolios designed to secure your retirement dignity.

  • Retirement Annuities & Preservation: Tax-deductible pre-retirement wealth building.
  • Living Annuities: Sustainable drawdowns and capital preservation in retirement.
  • Discretionary Unit Trusts: Flexible wealth accumulation for mid-term financial goals.
  • Offshore Investments: Global geographic and currency diversification.
OUR FOUNDATION

Values That We Live By

Our practice is built on trust, transparency, and a relentless commitment to our clients' financial security.

Honesty

Transparent recommendations with clear disclosure of benefits, costs, and market expectations.

Integrity

Upholding the highest fiduciary ethics. Your long-term security always precedes sales targets.

Adaptability

Dynamic financial solutions that adjust as personal life stages, regulations, and markets change.

Sustainability

Long-term wealth preservation and resilient risk cover structured for generations to come.

Innovation

Deploying cutting-edge financial modeling and leading modern underwriting tools.

Accountability

Taking full ownership of our advice, ensuring prompt claims support, and delivering regular reviews.

Commitment to Excellence

Delivering best-in-class brokerage services backed by over 35 years of tested financial wisdom.

AUTHORISED INSTITUTIONS

Authorised Financial Providers

As an independent brokerage, we are licensed and contracted with South Africa’s leading life insurers and investment houses.

Top-Tier Insurers & Underwriters
Momentum Logo
Sanlam Logo
Old Mutual Logo
Liberty Life Logo
BrightRock Logo
PPS Logo
Premier Investment Houses
Allan Gray Logo
Coronation Logo
Momentum Wealth Logo
Glacier by Sanlam Logo
Stanlib Logo
Old Mutual Wealth Logo

FAIS Compliant • FSCA Registered Financial Services Provider (FSP: 9990)

Pro-Sure Brokers is dedicated to professional standards, transparent disclosures, and client-centric fiduciary excellence.

FAIS Compliant
RESOURCES & TOOLS

Are You on Track
for Retirement?

Retirement planning is not about a specific age—it's about financial independence. Discover where you stand and what adjustments will make a decisive difference.

Tax-Advantaged Growth

Contributions to retirement annuities are tax deductible up to 27.5% of taxable income (capped at R350,000 p.a.).

Inflation Protection

Ensuring your capital preserves purchasing power against cost-of-living surges over a 30-year retirement.

Quick Retirement Readiness Check

Estimate your target retirement capital & schedule your free review.

R
Estimated Target Capital at Retirement:
R 8,400,000
Based on a sustainable 5% annual living annuity withdrawal rate.
FREQUENTLY ASKED QUESTIONS

Common Questions & Answers

An independent broker is legally bound to act in your best interests, not the insurance company’s. Direct insurers can only sell their own products, whereas Pro-Sure Brokers compares solutions across Sanlam, Momentum, Old Mutual, Discovery, BrightRock, and Liberty to find the optimal balance of coverage, underwriting terms, and premiums.

No. You pay the exact same regulated premium whether you go direct or work with Pro-Sure Brokers. The underwriter compensates the broker through standard, regulated commission structures. With Pro-Sure Brokers, you get dedicated personal advisory, policy structuring, and claims advocacy at no extra cost.

We advise an annual review, or whenever a major life event occurs—such as marriage, the birth of a child, purchasing a property, changing employment, or retirement. We reach out to our clients proactively to ensure their life policies and will reflect their current circumstances.

This is where our 35+ years of experience shines. During difficult times, you do not have to battle call centers or tedious paperwork alone. We personally facilitate the entire claims submission, liaise directly with senior underwriters, and ensure your claim is processed with maximum speed and fairness.

LET'S CONNECT

Get in Touch with Pro-Sure

Fill in the contact form below and Frikkie du Toit or our advisory team will contact you promptly.

Telephone & Office

Office Landline: 051 444 0768
Mobile Direct: 083 626 5146

Email Correspondence

Send inquiries, policy documentation, or questions:

info@pro-sure.co.za

Physical Address

17B Lucas Steyn Rd, Heuwelsig,
Bloemfontein, 9332, South Africa

Mon – Fri: 08:00 – 16:30

Send Us a Message

Complete the fields below and we will get back to you with tailored advice.

Chat with us: 082 880 3506