Alternative Risk Transfer

We offer  innovative risk management products as an alternative to conventional insurance products. Because we understand that the financial needs and risk profile of each of our clients are different, we focus on structuring unique solutions to fit the needs of each of our clients

The  product can most simply be described as SELF INSURANCE.

We enable our clients to build up their own contingency fund as a method of protection against unforeseen risks. This fund is not used to subsidise any other third party risk and can thus be managed in such a manner that it becomes a deemed asset on the balance sheet of the contract owner. The aim of the product is to build up the self insurance fund to such a level that the owner becomes less dependant on costly conventional insurance where premiums are lost if no claims are ever submitted against the policy.

We therefore believe that we truly empower the business owner to enjoy access to a fund that otherwise would have been lost. The reward for better risks management is the potential refund of all the premiums paid into the self insurance account.




Gerrit and Agnes Kirsten
Gerrit and Agnes Kirsten
We would like to thank Jaco van Niekerk for his financial advice and assistance in setting up our retirement options, and are looking forward to a longstanding business relationship with him and LUMENROCK Financial Consultants. We appreciate his honesty and sincerity and the professional way in which everything was done. - See more at:
Chris Roodt
Chris Roodt
I am the Managing Director of various legal entities; varying from agriculture to residential and business developments. For the past six years Pieter Esterhuizen has been involved with all, baring one, legal entity. I have always received excellent service from Pieter and I am impressed with his personal knowledge of all spheres of business, as well as his professional and speedy response to quer...
Kruger Human
Marakalalo Safaris Trust
On behalf of Marakalalo Safaris Trust, we want to thank LUMENROCK for the outstanding advice and services rendered to the business. We value the honesty, professionalism and very high ethical standards of the company, directors and staff. It is a pleasure and honour to be associated and to do business with LUMENROCK.



South African Rand

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Tel : +27(0) 86 187 3255
Fax: +27(0) 86 509 4151