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We specialize in:

Personal Insurance

Commercial Insurance


Contractors All Risk insurance

Professional Indemnity

4 x 4 Cover

IVP (Inception Value Policy)

Pets medical Insurance

Building insurance


Alec Levin Investment & Insurance Brokers differentiates itself from the rest of the short term insurance brokers by 3 simple philosophies:

  1. Listening to our clients
  2. Encapsulating their individual requirements
  3. Offering an unsurpassed solution

What makes us truly unique?

  1. We can source the best quotes with the best prices
  2. We have dedicated brokers to service all your insurance requirements
  3. Our Compliance Officer submits audits to the FSCA on our behalf
  4. Clients have the option to either complete claim forms over the phone or have the broker visit you at your convenience
  5. We view new and existing business with vein – with care and commitment
  6. We automatically adjust your motor vehicle values every six months

We build our business on honesty, integrity, our dedication to quality insurance cover and our sensitivity to your requirements.

Understanding that our clients success is also our success. We are in a competitive industry and we ensure that our personalized service makes each of you feel like a person and not just a number.


Services that we provide:

  1. Assess your risk – ensure that you are adequately covered i.e. not over or under insured
  2. We will endeavour to have your quotation available within 48 hours
  3. Changes to existing policies – obtain effective quotes to suit your budget
  4. The annual renewal notice will be forwarded to all our clients within 2 working weeks of renewal date


Are you aware of the impact Capital Gains Tax will have on your estate?

Very few people have more than a vague idea of the actual size of their estate. As the years pass, they build up their assets and provide for their families, but no proper arrangements are made to see that the right people benefit and that the family does not suffer financially, when something happens.

My estate planning analysis addresses the cumulative effect of all expenses due on your death.



Investing will help you maintain your current lifestyle.

Help you secure your financial future.


Investing today is about more

Than just making money.”


Dread disease protects your lifestyle, retirement savings and investment portfolio by providing you with the financial cushion you need to fully recover. The payment of a tax-free lump sum while you are recovering, will most certainly help the healing process.

And it pays on diagnosis – no waiting period – providing immediate income before your disability benefits start.

Generally, the critical illnesses covered are:

  1. Stroke
  2. Cancer
  3. Heart Attack
  4. Coronary Artery Disease requiring surgery
  5. Other serious coronary artery diseases
  6. Angioplasty or other invasive treatments for coronary artery disease
  7. Heart Valve Replacement
  8. Hepatitis
  9. Chronic Liver Disease
  10. Primary Pulmonary Arterial Hypertension
  11. Chronic Lung Disease
  12. Kidney Failure
  13. Surgery to Aorta
  14. Aplastic Anaemia
  15. Major Organ Transplant
  16. Blindness
  17. Loss of Hearing/Deafness
  18. Loss of speech
  19. Coma
  20. Multiple Sclerosis
  21. Paraplegia/Paralysis
  22. Muscular Dystrophy
  23. Alzheimer’s Disease
  24. Parkinson’s Disease
  25. Terminal illness
  26. Encephalitis
  27. Benign Brain Tumour
  28. Major Head Trauma
  29. Bacterial Meningitis
  30. Poliomyelitis
  31. Apallic Syndrome
  32. Loss of Independent Existence
  33. AIDS due to Blood Transfusion
  34. Cardiomyopathy


There is no doubt that your greatest assets is your ability to work and earn an income. Suffering a long-term sickness or injury will prevent you earning an income, crippling you and your loved ones financially and making your loved ones depend on others.

Disability can happen at any time. It is not selective.

Surely it makes sense to secure your income earning potential? Income protection provides a monthly income for when you are disabled for a short or long period.

Disability insurance is the only way to immediately have access to a large tax-free lump sum if you suffer a life changing event.



If you have any sort of financial commitment, like a home bond or a vehicle lease, you may require life cover. If you don’t, on your death, you leave your family with debts, not assets.

Life insurance is the only way to make sure that when you die, your loved ones will immediately be financially secure. Why? Because it will pay them a lump sum of money.

Estate duty might also become applicable on your death.

Estate duty is payable on the estate of every person who dies and whose net estate is in excess of R3, 5 million. It is charged and collected at a rate of 20%. It is levied on property of residents and South African property of non-residents, less allowable deductions.

How one is married influences the calculation. All property of the deceased will be brought into account. This includes fixed property, moveable property such as motor vehicles, furniture, artwork, investments (such as stock/shares), loan accounts, cash in the bank, unpaid salaries and leave pay.

The proceeds of any life assurances, whether payable to the estate or third parties also need to be identified, as well as the surrender values of any life policy owned by the deceased on the life of someone else.

From this asset total, all legitimate claims against the estate will be deducted, for example outstanding bonds, credit cards, overdrafts, last illness expenses, household expenses, funeral costs and any other suchlike costs, to arrive at the net estate.

We will help you decide what policy type best suite your needs.



These plans do not guarantee a certain benefit. Fixed contributions are paid into an individual account by employers and employees. The contributions are then invested and the returns on the investment are credited into the individual’s account. The pay-out from this rests solely on the success of the investments made.

On retirement, the member’s account is used to provide retirement benefits, usually through an annuity, which then provides a regular income. These plans have become widespread all over the world and are now the dominant form of plan in the private sector.


The retirement benefits of employees are based on a formula that calculates the contributions needed to meet the defined benefit, taking into consideration the duration of employment, salary history, the employee’s life expectancy and normal retirement age, possible changes to interest rates, annual retirement benefit amount and the potential for employee turnover.

When participating in this plan, the employer promises to pay employees a specific benefit for life, beginning at retirement. The benefit is calculated in advance, using a formula based on age, earnings and years of service. The employer is responsible for making all decisions regarding the fund.


A corporate pension plan is a formal arrangement between the company and its employees that provides funding for the employees’ retirement. It is a retirement plan that requires the employer to make contributions into a pool of funds set aside for the employee’s future benefit. The pool of funds is invested on the employee’s behalf and the earnings on the investments, generate income to the employee upon his/her retirement.

Two of the most common corporate pension plans are the defined-benefit and the defined-contribution plans.


Pension Schemes

Decide today, where you would like to be tomorrow.

Managing money during retirement is very different to managing money before retirement.

Remember, if you do not save for your retirement, no one else will do it for you.