Eight services
Everything a financial life needs, explained.
Cover for what could go wrong, planning for what should go right, and a clear record of what happens to it all. Pick an area below or read straight through.
Layers of protection
Illustration- Life
- Disability
- Trauma
- Funeral
01 · Protect
Life Cover
A lump sum paid to the people you nominate if you pass away. It is designed to settle a bond and other debts, replace the income your household relies on and keep plans such as education on track.
Who it may suit
- Anyone with dependantsA partner, children or parents who rely on your income today.
- Anyone with a bond or other debtSo that what you owe does not become what they owe.
- Business ownersWhere partners, staff or the business itself depend on you.
What VyroPlus does
- Works out a sensible cover amountFrom your actual commitments, not a rule of thumb.
- Explains terms, exclusions and waiting periodsBefore you sign, in plain English.
- Keeps beneficiary nominations currentSo the money goes where you intend it to.
Illustrative — the real mix depends on your own commitments.
Good to know
Cover paid to nominated beneficiaries is generally paid to them directly rather than through the estate, which can mean money reaches your family sooner.
Common questions
How much life cover do I need?
It depends on your debt, the years of income you would want to replace, what education may cost and what is already in place. We work it out together from your own numbers rather than from a rule of thumb.
Do I still need it if I have cover through work?
Group cover often ends when you leave an employer and may not be enough on its own. We look at what it provides today and where the gap may be.
Who receives the money?
The beneficiaries you nominate on the policy. We help you keep that nomination up to date as your life changes.
02 · Protect
Disability Cover
Pays if illness or injury means you can no longer earn the way you did — as a lump sum, a monthly income, or both — so the plans built on your salary do not stop when it does.
Who it may suit
- Anyone whose household depends on their ability to workIf your salary stopped, what would stop with it?
- The self-employed and farmersWith no employer benefits to fall back on.
- Tradespeople and anyone whose work is physicalWhere an injury can mean a long time out of work, or a change of career.
What VyroPlus does
- Explains lump-sum and income-protection coverAnd the difference between them, so you can choose what fits.
- Reads the definitions with youOwn occupation or any occupation, temporary or permanent — line by line.
- Fits cover around any employer benefitsSo you are not paying for what you already have.
Illustrative — cover is designed to help close the gap.
Good to know
The definition of “disability” differs between products and is the part of the wording that matters most; we go through it line by line.
Common questions
Lump sum or monthly income?
A lump sum can settle debt and pay for changes to your home or vehicle; a monthly income replaces the salary you would otherwise lose. Many people need some of both. We look at your commitments and work out a sensible mix.
What counts as being disabled?
It depends on the product’s definition — whether it looks at your own occupation or any occupation, and whether the disability is temporary or permanent. That wording decides whether a claim is paid, so we read it with you before you choose.
Do I need it if my employer has group cover?
Group cover is a good start, but it usually ends when you leave and may be smaller than you think. We look at what it provides and fit any additional cover around it.
03 · Protect
Trauma Cover
Also called dread disease or critical illness cover. Pays a lump sum on diagnosis of a listed serious condition — lists commonly include certain cancers, heart attacks and strokes — so you can focus on recovery instead of costs.
Who it may suit
- AnyoneA serious diagnosis can arrive at any age and any income.
- Households with one main earnerWhere time off to recover would strain everything else.
- People with a family history of serious illnessWho want a plan in place before they need one.
What VyroPlus does
- Explains severity tiers and survival periodsSo you know what triggers a claim and how much it pays.
- Shows how the layers work togetherTrauma cover, medical aid and disability cover — designed to complement, not overlap.
- Helps you choose a sensible amountBased on the costs a diagnosis would actually bring.
- Life cover
- Disability cover
- Trauma cover
- Medical aid
Designed to work together, each layer for a different job.
Good to know
Medical aid pays your providers; trauma cover pays you, which can cover what medical aid does not — time off, travel, changes at home.
Common questions
Isn’t this what medical aid is for?
Medical aid pays hospitals and doctors. Trauma cover pays a lump sum to you, to use as you need — for time off work, travel to treatment or help at home. The two are designed to work alongside each other.
Does it pay for every illness?
No. It pays for the conditions listed in the policy, often in tiers according to severity. We go through the list and the tiers with you before you choose.
Can I claim more than once?
That depends on the product. Some allow more than one claim for unrelated conditions; others pay once. We explain how a particular policy handles this before you decide.
04 · Retire
Retirement Planning
A structured plan to build savings during your working years, protect them when life changes, and turn them into an income when you stop working.
Who it may suit
- Anyone from a first salary onwardsThe earlier you start, the more of the work time does for you.
- The self-employedWithout an employer fund, the plan has to be your own.
- Anyone changing jobs or within sight of retirementWith a pension or provident fund to preserve, or options to understand.
What VyroPlus does
- Maps what you already haveEmployer funds, retirement annuities and other savings, in one picture.
- Explains your options in plain termsRetirement annuities, preservation, and the ways retirement savings can become an income.
- Reviews the plan as life changesA new job, a new business, a new decade.
- Start saving
- Preserve when you move
- Retire
- Draw an income
The stages a retirement plan typically moves through.
Good to know
Withdrawing retirement savings when you change jobs can have tax consequences and reduces what you have later; preserving is usually worth discussing before you decide.
Common questions
When should I start?
Generally, the earlier the better — time is the biggest advantage you have. Starting small and staying consistent tends to matter more than the amount you begin with.
I’m changing jobs — what happens to my pension?
You usually have choices: preserve it, move it to your new employer’s fund, or withdraw it. Each has consequences for tax and for what you have at retirement. We walk through them with you before you sign anything.
What happens to my savings when I retire?
Retirement savings are usually turned into an income through a product designed for that stage. The options differ in flexibility and in how the income is set. We explain them side by side so you can choose with your eyes open.
05 · Protect
Funeral Policies
Straightforward cover designed to pay out quickly after a valid claim, so a dignified farewell does not have to become a financial burden on the family left behind. Options can include a spouse, children, parents and extended family.
Who it may suit
- EveryoneBecause every family will need it at some point.
- Anyone with family or cultural obligations around a funeralWhere the occasion matters and the costs add up.
- Anyone who wants to spare their family a difficult conversation about moneyAt the moment they least want to have it.
What VyroPlus does
- Helps you choose a realistic amountAnd who should be covered under the policy.
- Explains waiting periodsSo there are no surprises when a claim is needed.
- Checks you are not paying twiceFor the same cover across different policies.
- Extended family
- Children
- Spouse
- You
Who can be covered depends on the options you choose.
Good to know
Funeral cover and life cover do different jobs — one is for immediate costs, the other for the years that follow.
Common questions
How quickly does it pay?
Funeral policies are designed for speed once a valid claim is lodged with the required documents. We explain the claims process and what your family will need to have ready.
Can I cover my parents or extended family?
Many policies allow it, subject to their terms and any age limits. We help you see who can be added and what it changes.
Do I still need funeral cover if I have life cover?
Often, yes. Life cover is for the years that follow; funeral cover is for the days that follow. Having both means the immediate costs are handled without waiting on a larger claim.
06 · Legacy
Estate Planning
Arranging your affairs so that what you have built passes on smoothly — with less delay, cost and uncertainty for the people you leave behind. It brings together your will, beneficiary nominations, the cash your estate will need, and structures such as trusts where they make sense.
Who it may suit
- Anyone with assets or dependantsA home, a business, savings — or people who rely on you.
- Blended familiesWhere wishes need to be written down to be honoured.
- Business owners and farmersWhose assets are not easily divided.
What VyroPlus does
- Reviews what you own and oweAnd identifies where your estate may be short of cash to settle costs.
- Keeps everything pointing the same wayYour will, nominations and cover, aligned rather than contradicting.
- Works alongside your attorney or accountantWhere specialist input is needed.
- Trusts where suitable
- Liquidity
- Beneficiary nominations
- Will
The pieces of an estate plan, built on a valid will.
Good to know
An estate can be asset-rich but cash-poor; the costs of winding it up still have to be paid, which is why liquidity is part of the plan.
Common questions
What is estate liquidity?
The cash available to settle an estate’s costs and debts without selling assets your family would rather keep. If there is not enough, cover is one way to provide it.
Is estate planning only for the wealthy?
No. Anyone with dependants or property benefits from it. The aim is fewer delays and less cost for the people you leave behind, whatever the size of the estate.
How often should I review it?
After any major life event: marriage, divorce, a birth, a death, a new business or a significant purchase. A review is usually a short conversation.
07 · Legacy
Wills
A valid, up-to-date will sets out who inherits, who winds up your estate and who cares for minor children. Without one, the law of intestate succession decides — and it may not match your wishes.
Who it may suit
- Every adultA will is not only for later in life.
- ParentsTo name a guardian for minor children.
- Anyone whose circumstances have changedMarriage, divorce, remarriage, a property or a business.
What VyroPlus does
- Helps you put a valid will in placeOne that meets the formal requirements.
- Keeps it aligned with your policiesAnd your beneficiary nominations, so nothing contradicts.
- Reminds you to review itWhen life changes, so it keeps saying what you mean.
- Draft
- Sign & witness
- Store safely
- Review
From a first draft to a will that stays current.
Good to know
A will has formal signing and witnessing requirements; small mistakes can cause long delays for your family.
Common questions
What happens if I die without a will?
Your estate is distributed according to the law of intestate succession, which follows a set order of relatives. It may not reflect your wishes, and it can take longer to wind up.
Can I write my own will?
You can, but the formal requirements matter: how it is signed, who witnesses it, and what a witness may not receive. We help you get it right so it holds up when it counts.
When should I update my will?
After any major life event — marriage, divorce, a birth, a death in the family, or a significant change in what you own. It is also worth a quick read-through now and then, even when nothing obvious has changed.
08 · Grow
Investments
Goal-based investing matched to your time horizon and comfort with risk — an education fund, a deposit, long-term growth or an addition to retirement savings — using vehicles such as unit trusts, tax-free savings accounts and endowments.
Who it may suit
- Anyone saving for a specific goalAn education fund, a deposit, a milestone.
- Anyone with a lump sum to put to workAn inheritance, a bonus, the proceeds of a sale.
- Anyone who wants to understand costs and riskBefore investing, not after.
What VyroPlus does
- Clarifies the goal and the time frameAnd how much movement in value you can live with.
- Explains costs, access and tax treatmentIn plain terms, before anything is set up.
- Sets up regular contributions and reviews progressSo the plan keeps pace with the goal.
Illustrative — the time horizon shapes which options may suit.
Good to know
Investment values can go up as well as down; no return is guaranteed, and understanding that trade-off is the first step.
Common questions
How much do I need to start?
Many options allow modest monthly contributions, and some accept a lump sum. We match the plan to your budget rather than the other way round.
Are returns guaranteed?
No. Investment values can rise and fall, and past performance is not a promise of future results. We help you choose a level of risk you can live with.
Can I get my money out?
It depends on the product. Some are flexible and can be accessed at short notice; others have fixed terms or conditions on withdrawal. We explain the access rules before you commit.
Not sure which one you need? Start with a conversation.
Send us a note through the contact form or call 053 302 0980, and we will arrange a time that suits you — in person in Kimberley or by phone.