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Lady wearing white jeans, white jumper, and a pink jacket walks out of a building holding her folder in one hand while looking at her cell phone reading up about Business Continuity Assurance products for her business.

Business Continuity Assurance

The untimely death or disability of a business owner often has a detrimental impact on the business, its short-term cash flow, as well as its long-term sustainability. Momentum Business Assurance helps to protect the business and its employees against unforeseen interruptions.

  • Business will continue in the event of temporary or permanent disability of the business owner.
  • Protects the income streams of the business, business owners, and employees.
  • Securing the livelihoods of your family and employees when you’re unable to do so.

Who should be considered?


The income your business generates is your most important asset. The business’ future, you, your family, and your employees and their families all depend on it. So when thinking about your business continuity plan, you would need to consider the below.

A shield illustration with tall office buildings and clouds in the sky.

Business

The success of a business is key. There are common risks most businesses are faced with, which can be eased through proper financial planning.

Shield illustration of a lady in a business suit.

Owner

It is vital for you to be aware of the risks you may face and take all reasonable steps to prevent your business from financial ruin.

A shield illustration with an employee sitting at his desk, working.

Employee

It’s crucial for the business to retain its employees and to provide them with the opportunity to identify, assess and address their financial risks.

What we offer

Business Continuity Assurance provides you and your business with solutions to protect and provide for your business when you no longer can.

A business owner looking at a floor plan of her business premises on her computer, holding a pen in her left hand, considering some options to expand the business.

Protecting against risk

The ill health, disability, or death of a business owner can be detrimental to its long- term sustainability. If your business cannot maintain its overheads, it faces losing clients, employees, and potential insolvency. Business Continuity Assurance protects your business to continue generating an income for those that depend on it.

Protection for businesses

A business, like any individual, needs a detailed financial plan. This ensures that all risks are identified and dealt with. While businesses face many risks, some are more crucial than others. Here are some questions to consider and the solutions we offer.

Does the business have outstanding debt covered by surety?

SPEAK TO YOUR ADVISER ABOUT

Contingent Liability cover

Business liability is settled in full.

Does the business owe money to the owners?

SPEAK TO YOUR ADVISER ABOUT

Loan Account Protection

Repayment of business loan.

How do I protect my business against the loss of key employees?

SPEAK TO YOUR ADVISER ABOUT

Key Person Cover

Covers the cost of losing a valuable employee.

Can I cover my business overheads expenses?

SPEAK TO YOUR ADVISER ABOUT

Protecting Against Business Interruptions

The business can continue as normal.

Protection for owners

Business owners invest their time, energy, financial resources, and most of their productive lifetime in their businesses. It is important for the owner to be aware of the risks they may face should they no longer be able to take care of their business.

What will happen to the business when the owner dies, or becomes disabled or is critically ill?

SPEAK TO YOUR ADVISER ABOUT

Buy and Sell Arrangement

Remaining owners can buy the deceased’s business.

Can I provide for my business overhead expenses and income?

SPEAK TO YOUR ADVISER ABOUT

Protecting against business interruptions

Business can continue as usual.

Am I owed money by the business?

SPEAK TO YOUR ADVISER ABOUT

Loan Account Protection

The loan account will be settled in full.

How do I make provision through my will?

SPEAK TO YOUR ADVISER ABOUT

Momentum Trust

Create a will for yourself and your business.

Protection for employees

Your employees are key to the successful operation of the business. With Momentum Employee you can provide them with the opportunity to identify, assess, and address their financial risks.

How can you help reduce the impact of death, disability, or critical illness on
your employees?

SPEAK TO YOUR ADVISER ABOUT

Group Insurance

Reduce the financial impact of unexpected life-changing events.

Do your staff members have executable wills?

SPEAK TO YOUR ADVISER ABOUT

Momentum Trust

Plan for the distribution of your wealth and assets.

Provision for any business disruptions

Momentum Entity protection and provision can reduce the risks to ensure continued success and the existence of your business entity by providing you with accurate financial planning assistance.

Provision for business

The business can eliminate certain risks by making timeous provisions for settlement of debts, future expansion, and retention of staff.

How do I retain my employees?

SPEAK TO YOUR ADVISER ABOUT

Employee Retention Plan

An incentive scheme for your valuable employees.

How do I ensure capital for future business needs?

SPEAK TO YOUR ADVISER ABOUT

Investments for Businesses

Tailored solutions for your business's growth.

Provision for owners

With Momentum Owner, business owners can eliminate certain risks by making timeous provisions for their retirement, which entails practical exit strategies from the business, as well as the repayment of loan accounts upon retirement.

As an owner, do you have an exit strategy from the business?

SPEAK TO YOUR ADVISER ABOUT

Investments for Individuals

Reach your investment goals with us.

As a business owner, have you made provisions for your retirement?

SPEAK TO YOUR ADVISER ABOUT

Retirement Investments

Your ticket to financial independence when you retire.

Have you considered your repayment of loan accounts upon retirement?

SPEAK TO YOUR ADVISER ABOUT

Investment Solutions

Tailor-made solutions to help turn your dreams into reality.

Provision for employees

A business can help employees eliminate certain risks by making timeous provisions for their retirement, and also retain its employees by making provision for financial rewards and incentives.

How can you help your employee/s make provisions for retirement?

SPEAK TO YOUR ADVISER ABOUT

FundsAtWork

A comprehensive retirement and group insurance solution.

How can you retain your employees with financial rewards and incentives?

SPEAK TO YOUR ADVISER ABOUT

Employee Retention Plan

Rewards key employees with tax- free bonuses every 5 years.

A business owner making notes in her notebook while in front of her desktop computer considering solutions to make sure her business can continue to make money if she were to become critically ill, disabled, or die.

Solutions for your business to continue without interruptions

Become one of the thousands of businesses covered by Momentum Business Assurance. Our market- leading life insurance products will ensure your business will be able to continue after your death or during a period where you are booked off from work.

Solutions for business

Key Person Cover

Effective and well- trained staff, especially those with specialist skills or knowledge, are vital to a business’s success. Losing a key person could mean increased costs for recruiting and up-skilling, a slowdown in turnover, and stricter terms from suppliers.

Contingent Liability Cover

Sometimes a business requires financing, whether it is to start a new venture, expand on existing business opportunities, or to acquire new business assets. When negotiating with a financial institution, it's often required that the business owner provide personal surety for the loan.

Protect Against Business Interruptions

One of the most important assets is the income that the business generates as many depend on it. Protect business interruptions with our unique solution.

Loan Account Protection

When a business starts out, it requires financing to enable it to purchase any essential equipment. When a business has no assets, they normally rely on a loan to fund their ventures.

Investment Solutions

We offer various types of specialised investment solutions that will suit your business needs. Momentum Investments offers you aggressive or cautious investments from local or international funds.

Employee Retention Solution

One of the most valuable assets of any business is its employees, especially those with the relevant knowledge, skills, and experience.


Solutions for owners

Buy and Sell Agreement

Business owners want the security that the business will continue upon the death or disability of a co-owner. They also want comfort to know that the disposal of their business interests will be dealt with in an orderly manner.

Protect Against Business Interruptions

Ensure there is sufficient cash flow to absorb the monthly running costs of the business and to sustain the business’s salary expense for a short period of time.


Loan Account Protection

There are two options to choose from for the repayment of a loan should the owner die or become disabled.

Contingent Liability Cover

Policy premiums are paid by the business after an agreement is made between the business and guarantor.

Solutions for employees

Group Insurance

Reduce the financial impact of unexpected life-changing events for your employees.

Group Retirement Annuity

Group retirement solutions with added benefits.

FundsAtWork Umbrella Fund

Comprehensive and flexible retirement and insurance solutions with value-added benefits.

Employee Retention Solution

One of the most valuable assets of any business is its employees, especially those with the relevant knowledge, skills, and experience.


Need help?

Request a call back for more help.

Looking for business insurance?

Insurance specifically designed and tailored to suit your personal requirements.

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