Life Insurance

“Most people don’t plan to fail, they fail to plan.” – John L. Beckley

Financial risk planning can be defined as the continuous process of planning, constructing, implementing, reviewing, and restructuring of your financial needs, as well as the products put in place to provide the cover.

We believe that putting in place risk cover (such as life, disability and critical illness benefits) helps our clients to have peace of mind.  We all want our loved ones and / or our businesses to be taken care of when we are not able to provide for them anymore.

LUMENROCK has contracts with the major life offices like Sanlam, Momentum, Liberty Life and PPS, and can advise clients on the following fields of risk cover:

  • Life Cover
  • Disability Cover
  • Income Protection
  • Critical Illness Cover
  • Estate Planning
  • Business Continuity
  • Wills
  • Personal Risk Cover
  • Cover for Liabilities



Franco van der Westhuizen
Thanks a million - you guys are legends!
Willie Esterhuizen
Relationship Executive: Commercial / Absa Retail a
Absa Bank has been associated with LUMENROCK (and previously KSE & Associates) for many years. We are very proud and privileged to be the bankers of a professional group like LUMENROCK – that really adds value to all their customers’ financial affairs. Pieter Esterhuizen has always demonstrated the highest levels of integrity and it is a real pleasure dealing with each and every one at LUM...
IS Ferreira
IS Ferreira
I have known Pieter Esterhuizen for over ten years in his capacity as my accountant and financial advisor. His sound and very professional financial advice has always been outstanding. He and his firm is dynamic, trustworthy and very loyal to me as a client. It is an honour and privilege for me to be associated with Pieter and LUMENROCK.



South African Rand

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