Mahapa Financial Advisory Services
Insurance in Polokwane

Mahapa Financial Advisory Services provides financial planning advice and coaching to both individuals and corporate institutions. Mahapa Financial Advisory Services has contract with product providers enbling us to provide our clients with banking and insurance based solutions. Mahapa Financial Advisory Services is based in Polokwane but uses technology to reach customers throughout South Africa. Services offered by Mahapa Financial Advisory Services include investment planning, pension transfers, buy and sell agreements, estate planning, retirement planning, providentd funds and key-person assurance.Through our partners we are able to offer our clients legal services such drawing of wills and trusts. Clients can trust Mahapa Financial Advisory Services to provide them with sound financial solutions because we employ experienced and knowledgeable advisers with integrity.We are associated with with Masthead and the FPI that is why we are your first choice in financial coaching.

Mahapa Financial prides itself in offering top level coaching in financial planning to individuals and businesses. Our clients have access to financial planning advice and an array of services related to financial planning, which is available online, by phone or face to face. Ensuring that you maintain or regain your financial independence. A client who was initially granted cash by the bank to purchase a property may, after repaying a substantial part of the debt and once his property has substantially appreciated in value, apply for second loan using his property as security. The funds tailored for the provision of retirement benefits for a group of employees are Pension and Provident Funds. For these funds to be established there must be an employer/employee relationship. Both the employer and the employee may contribute to a retirement fund though it is possible for the employer alone to contribute on behalf of the employees. This cover is very cheap compared to an Individual Life Cover. Some employers offer medical aid subsidies of up to 66% of the premium. Medical Aid Schemes gives peace of mind in case of major medical procedures that require huge sums of money such as; by-pass operation, knee replacement, hip replacement, caesarean birth or serious ailments such as cancer, stroke, etc. This cover aims to provide capital to be used in case of your death or disability that will be used to continue generating income to you or your family. The Bond Cover is a Life and Disability Cover that pays a lump sum amount, in case of your death or disability, to the institution with whom your house is bonded to ensure that your house is not repossessed as a result of non-payment of installments after your death or disability. The aim of a retirement annuity is to create a retirement benefit for a person who does not belong to a pension or provident fund. It may also serve as a top-up pension provision to those individuals who have some kind of retirement funds to help close the income gap. Included in investment products such as property, tank containers, gold coins, shares and government bonds, there are investments from insurance companies which allow you to indirectly invest in these many other forms of investment products at the same time, without stretching your pocket and exposing you to the risk attached to buying an individual product. This kind of investment aims to provide capital required to pay for a child’s education fees at tertiary level. It differs from ordinary investment, in that a small portion of the investment is used to cover the premium payer to ensure automatic payment of premiums, until the end of the chosen term in case of death or disability of the premium payer. Like in all other investments, the outcome of the education provider depends on the size of the premium and the length of the investment. Unit Trusts are in the present day referred to as Collective Investments because they allow different investors to invest as a collective and have their invested amounts administered by one institution on their behalf. Life Cover pays out capital on death of the assured which could be used to maintain standard of living of his family. The lump sum death benefit can be invested to yield a monthly income for the family which replaces the income lost due to death of the breadwinner. Unlike life cover which pays the sum insured immediately on death of the assured once first premium is paid, investment’s real worth can only be realized when the product has run its full term. Bond Cover is a Life Cover of which the proceeds, on death of the life assured, are to be used to settle the bond to prevent repossession of a family house. In contrast, House Insurance is a product of Short Term Insurance of which the aim is to restore the owner to the original position before the occurrence of the insured event e.g. Share Investment is usually an individual investment while Unit Trusts are Collective Investments.