Protect Your Income. Protect Your Future. Get Disability Cover.
Disability Cover – Making Sure You Have Income Even If Your Can’t Earn It Anymore
When life changes unexpectedly, Disability Cover ensures you can still live with dignity, financial security, and peace of mind. Whether temporary or permanent, a disability shouldn’t leave you without income, and with Perennity Wealth Management, it won’t.
What Is Disability Cover?
Disability Cover is a type of long-term insurance that pays out a lump sum or monthly income if you become disabled and are no longer able to work. This benefit helps cover everyday living expenses, debt repayments, and lifestyle adjustments such as home modifications or long-term care.
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 Disability Cover?
Professionals or Employees
Professionals or employees with regular monthly expenses
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Entrepreneurs & Business owners
Entrepreneurs and business owners without employer benefits
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BreadwinnersÂ
Breadwinners who support families or dependants
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AnyoneÂ
Anyone who relies on their ability to earn an income to meet financial goals
Request A Quote
How It Works –
This is What Getting Disability Cover Looks Like
Getting Disability Cover is simple and straightforward with Perennity Wealth:
1. Needs Assessment
We help you calculate the right cover based on your income, expenses, and future obligations.
2. Customised Quote
You receive a tailored quote from one or more of South Africa’s top insurers.
3. Underwriting
Some medical and financial questions are required to ensure your policy is fairly priced.
4. Ongoing Support
Your policy is managed by us, and if you ever need to claim, we’re right there by your side.
Why You Need Disability Cover
Disability doesn’t just affect your health — it affects your ability to earn. From car accidents to serious illnesses, the reality is that anyone can experience a life-changing event. Disability Cover gives you and your family a financial safety net so that your recovery or adjustment period doesn’t come with added financial pressure.
✔ Financial Security for Your Loved Ones – Ensures your family won’t have to struggle with home loan repayments.
✔ Maintain your lifestyle
✔ Cover your bond, school fees, and other monthly costs
✔ Pay for medical care or rehabilitation
✔ Stay financially independent without relying on others
Why Choose Perennity Wealth Management to Get Your Disability 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.
Unlock Better Value As A Subscriber
At Perennity Wealth Management, we’re reimagining financial advice by building a dynamic community where everyone can benefit from expert insights and support. Whether you’re following us for free or joining as a paying subscriber, there’s a place for you.
For those looking to unlock exclusive benefits and take their financial journey to the next level, our tiered membership options are designed to deliver unmatched value.
Why Become a Paying Subscriber?
1. Exclusive Tools & Resources
As a paying subscriber, you gain access to a treasure trove of premium financial tools, including templates, calculators, and spreadsheets that simplify everything from budgeting to investment planning.
These resources are designed to save you time and empower you to take control of your financial future.
2. Insider Tips & Expert Insights
Unlock actionable advice and insider tips not available to the general public. From investment strategies to wealth-building techniques, you’ll receive curated content that helps you stay ahead of the curve and make informed decisions.
3. Interactive Webinars with Industry Experts
Engage directly with financial professionals during our monthly webinars. Ask questions, gain insights into market trends, and get tailored advice that’s relevant to your goals.
These interactive sessions are exclusive to our paid members and provide an opportunity to deepen your financial knowledge.
4. Personalised Annual Portfolio Review (Ultimate Tier Only)
Our ultimate tier subscribers enjoy the benefit of an annual one-on-one consultation with a Financial Advisor. Whether face-to-face or virtual, this session is your chance to review your financial portfolio, realign your goals, and get personalised advice to ensure you’re on the right track.
What We’ve Achieved for Our Clients
Here’s how we’ve helped South Africans secure their futures:
Millions in Cover Secured
South Africans covered
Families' Incomes Protected
%
Claims Successfully Processed on Behalf of Clients
FAQ
Does Disability Cover pay monthly or as a lump sum?
It depends on your policy. We can help you choose between monthly income protection or a once-off lump sum payout.
What counts as a disability?
A wide range of conditions, including physical injuries, chronic illnesses, and mental health conditions. Policies define these clearly — we’ll help explain.
Can I have both Disability and Life Cover?
Yes, and it’s often recommended. They serve different purposes — one protects your life, the other your lifestyle.
What if I partially recover and can work again?
Some policies offer partial disability payouts or benefits that adjust if you return to work.
Don’t Let the Unexpected Derail Your Life
With Disability Cover from Perennity Wealth, your income is protected — no matter what life throws at you.
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.
Subscribe
Your Financial Advisor & Wealth Coach, On Your Schedule
Imagine having a top-tier Financial Advisor who’s also your personal wealth coach—available to you whenever it suits your busy schedule. That’s exactly what becoming a Perennity subscriber offers.
With our flexible, on-demand virtual consultations, you no longer need to worry about traditional office hours. Whether it’s early morning, late at night, or during your lunch break, your financial goals can stay on track at a time that works for you.
But that’s not all. As a subscriber, you unlock a range of advantages that elevate your financial journey:
- Expert Guidance: Gain access to premium resources, templates, and tools designed by financial professionals to simplify your wealth-building process.
- Personalised Insights: Tailor your financial plans with the help of interactive webinars and curated insider content that addresses your unique needs.
- Exclusive Flexibility: Receive the support you need without the hassle of scheduling appointments during business hours.
- Tailored Wealth Coaching: Ultimate tier members enjoy a one-on-one annual review of their portfolio, ensuring their goals remain aligned with the changing financial landscape.
- Unmatched Value: For a fraction of the cost of traditional financial advice, you receive an entire suite of resources and personalised attention to support your wealth-building efforts.
With Perennity, you have the power to access top-tier advice, tools, and strategies without sacrificing your time or convenience. Whether you’re looking to grow your wealth, protect your assets, or achieve your long-term goals, our subscription tiers are designed to meet your needs—when and where you need it most.
Unlock exclusive financial planning tips, expert insights, and proven strategies to help you achieve financial freedom—delivered straight to your phone. Subscribe today and gain access to premium tools, templates, and resources designed to simplify and accelerate your wealth-building journey.
Real People,
Real Financial Freedom
"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 Managementâ€
Insights & Strategies For Financial Freedom
Stay informed and empowered with expert insights, practical strategies, and the latest trends in financial planning from your trusted financial advisor. Our blog is your go-to resource for building wealth, protecting your assets, and achieving long-term financial success.
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info@perennity.co.za
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