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



Nasiegh Humdaly
Ignus Kempen served on the Southern Region Council whilst Pieter Esterhuizen was in his first term 2010/2011 on SAICA’s Southern Region Council. They achieved this by virtue of the fact that they were chairman of SAICA’s Southern Cape District association representing the interests of all the CA’s (SA) resident in the Southern Cape area.
Hugo de Wet
Business Manager: Gijima
I have known Pieter Esterhuizen, the CEO of LUMENROCK, for more than 10 years. In this time he has been very involved in my business affairs. Pieter is always available to assist me whenever I need his advice. LUMENROCK is a trusted advisor. I trust and value their inputs when it comes to tax structuring or general business advice.
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...



South African Rand

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