Protect Your Business, Your Partners, and Your Legacy.
Buy & Sell Agreement (Cover)
In business, uncertainty is inevitable—but disruption doesn’t have to be. A Buy & Sell Agreement ensures that if a co-owner dies or becomes disabled, the business can continue smoothly, ownership can be transferred efficiently, and financial disputes are avoided.
At Perennity Wealth, we help business partners plan ahead—legally, financially, and strategically.
What Is a Buy & Sell Agreement?
A Buy & Sell Agreement is a legally binding contract between business co-owners that outlines what happens to each owner’s shares in the event of death, disability, or retirement. It’s usually paired with life and/or disability cover to ensure there’s money available to buy out the affected partner’s shares.
✔ Avoid disputes and delays in succession
✔ Keep control of the business within existing ownership
✔ Ensure the deceased/disabled partner’s family is fairly compensated
✔ Provide clarity and security for all parties involved
Get the Right Cover For Yourself
Not sure which cover option is right for you? We're here to help. Fill in the form below, and one of our expert advisors will get in touch to guide you through your options—no obligation, just expert advice tailored to your needs.
Who Should Get a Buy & Sell Agreement (Cover)?
Founders and co-founders of SMEs
Entrepreneurs who’ve built small or medium-sized enterprises together and need to ensure continuity and fair succession in the event of a partner’s death or disability.
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Directors of privately held companies
Executive leaders of non-listed companies who want to prevent ownership disputes and safeguard the company’s operational control.
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Professional practices (law, accounting firms)
Co-owners of regulated professional services firms must ensure a smooth transfer of ownership without disrupting client relationships or compliance.
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Family-run businesses
Families in business together who want to separate family ownership from business continuity and reduce potential conflicts during succession.
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How It Works –
Buy & Sell Agreement
(Cover)
We take a simple, structured approach:
1. Book a Consultation
Discuss your ownership structure, goals, and risks with one of our financial advisors.
2. Draft the Legal Agreement
We liaise with legal experts to structure a buy & sell agreement that meets your needs.
3. Secure the Appropriate Cover
We match each owner with the right life and/or disability policy to fund the agreement.
4. Align the Cover to the Agreement
We ensure the insurance aligns perfectly with the terms of the contract—no gaps or surprises.
Why You Need a Buy & Sell Agreement (Cover)
✔ Financial Security for Your Loved Ones – Ensures your family won’t have to struggle with home loan repayments.
✔ Protects Your Home Against Unforeseen Events – Covers outstanding bond payments in the event of death, disability, or critical illness.
✔ Peace of Mind – Sleep easy knowing your home is secure, no matter what happens.
✔ Flexible & Affordable – Choose a cover amount that suits your loan and budget.
Why Choose Perennity Financial Services For Your Buy & Sell Agreement (Cover)?
✔ Trusted Independent Advisors – We work with leading insurers to find you the best protection.
✔ Tailored to Your Needs – We help you choose a policy that aligns with your loan and financial goals.
✔ Expert Guidance – Our team will guide you through the process, ensuring you get the right cover.
✔ Hassle-Free Claims – We assist your family in managing claims smoothly when they need it most.
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Trusted by Thousands, Securing Your Future Instantly Through Buy & Sell Agreement (Cover)
At Perennity Financial Services, we’ve helped countless South Africans get the life cover they need—quickly, easily, and without the hassle of traditional medical underwriting. Our expertise ensures that you receive instant, digitally underwritten cover with no delays, no unnecessary paperwork, and no stress. Here’s what we’ve achieved for our clients so far:
FAQ
What Is a Buy & Sell Agreement?
A Buy & Sell Agreement is a legally binding contract between business co-owners that outlines what happens to each owner’s shares in the event of death, disability, or retirement. It’s usually paired with life and/or disability cover to ensure there’s money available to buy out the affected partner’s shares.
✔ Avoid disputes and delays in succession
✔ Keep control of the business within existing ownership
✔ Ensure the deceased/disabled partner’s family is fairly compensated
✔ Provide clarity and security for all parties involved
Is this a legal contract or just insurance?
It’s both. The agreement is a legal document and the insurance provides the funds to execute it.
Can we draft our own agreement?
We recommend using a legal professional—our team works alongside your legal partner (or ours) to ensure the agreement is watertight.
How do you calculate the cover amount?
We perform a business valuation and tailor each policy to reflect each partner’s shareholding.
What happens if a partner doesn’t want insurance?
It can create a serious funding problem. We guide you through how to resolve these concerns with fair, compliant solutions.
Secure Your Home Loan with Confidence
Don’t let financial risks hold you back. Get Home Loan Protection Insurance today and move forward with certainty. Speak to our experts now and take the next step towards securing your mortgage.
Get the Right Cover For Yourself
Not sure which cover option is right for you? We're here to help. Fill in the form below, and one of our expert advisors will get in touch to guide you through your options—no obligation, just expert advice tailored to your needs.
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"Perennity Wealth Management is knowledgeable and passionate about creating wealth and financial freedom for clients. They have a genuine interest in client’s financial needs.
Unlike other financial advisors who mainly focus on selling financial products, they conduct risk assessments for the entire portfolio, including real estate.
They also go beyond their areas of responsibility by assisting clients or referring them to people with expertise in a particular field.
I’m thrilled to have Perennity as a financial advisor firm.
"I've had financial advisors for 14 years and they just sold me policies and asked for referrals. On the other hand, Perennity Wealth Management has managed to sort out my portfolio in one month in a manner that I understand.
Great work indeed."
"For the first time I have a wholesome conversation with a financial advisor without them trying to push products on me, but instead demonstrate a thorough understanding of good personal finance principles and sharing with me his insight.
Such has been my interaction with Perennity Wealth Management in a nutshell."
"Nyiko is a highly driven and extremely knowledgeable wealth manager. I have worked very closely with him for 3 years and have seen firsthand, that his passion for wealth management and markets is only exceeded by his deep and authentic desire to help people achieve their goals.
A great wealth manager. Great company"
"Nyiko has an acute understanding of investments and is able to provide sound advice that is tailored to your needs. More importantly, he takes time to understand who you are so his services truly feel personalised.
It is always a pleasure working with Nyiko and Perennity Wealth Management."
“Nyiko is very well versed in the topics of personal finance and entrepreneurship. What I appreciate most about our relationship is that I know I can speak to him about elements of my finances that are outside of the scope of what financial services providers typically can speak to.
Nyiko has been my financial advisor since 2014, and when we got disconnected during the confusion brought about by my emigration to the UK, I can remember going to great lengths to get back into contact with him in particular once I was back on my feet again, as I knew that nobody else was as suited to helping me achieve my financial goals as he was.
In a nutshell, this is Nyiko, my financial advisor and coach.
Through this relationship, I have observed a radical transformation in my investment decisions and I am confident that I am on track to retiring well, at an age where I will be able to embrace and enjoy my retirement years fully.
Kudo to him and Perennity Wealth Management”
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Visit Us
3 Gwen Lane
Sandown, Sandton
2031
Contact us
(011) 749-3334
info@perennity.co.za
service@perennity.co.za
Open Hours
Mon - Thur: 09h00 - 17h00
Fri: 09h00 - 16h00
Weekends: Closed
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