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



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:
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...
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.



South African Rand

Click on badge to rate our business


Please supply your name and e-mail address, in order to subscribe to our company newsletter. We respect your privacy and will never share your contact details with a third party.

Receive HTML?

Joomla Extensions powered by Joobi



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