Employee Benefits

Perlov & Associates has more than 20 years of experience in the Healthcare industry, we have extensive knowledge of all medical aid plans and benefits. We have an admin team who stand at the ready for fast efficient query resolution. We offer consolidation and education of financial portfolios as well as annual review presentations and analysis of various schemes and market trends.

Corporates and SME’s

Employee Benefits are the foundation of a great job. Our approach is to ensure that we add value to the financial products chosen through a comprehensive understanding of your individual employee needs.

For the employer we add value by providing your leadership team legislative updates, investment opportunities, administration services, staff counselling and through our staff wellness days we also provide insight into vulnerabilities faced by your business pertaining to your employees combined wellness.

Entrepreneurship is not a position it’s a lifestyle. Owning a business has many demands – protecting your assets, developing your strategy and ensuring day-2-day business continuity. These however are the least of your worries, growth comes from gaining and retaining great employees that genuinely care for clients. Employee retention is linked to employees who feel safe in the knowledge that what you offer them in employee benefits is right up there with any large corporate.

We offer you and your employees
the ability to Thrive

Each human is in pursuit of the core purpose to thrive while they’re alive.

This purpose is one we share with you at Perlov & Associates.

Thrive - while you're alive

We help you and your employees to thrive through our unique approach – Prepare, Preserve, Diversify.

Each human is in pursuit of the core purpose to thrive while they’re alive. This purpose is one we share with you at Perlov & Associates. We have honed our skills and expertise to identify areas where we can advise you in securing the unknown. We have partnered and aligned our offering with the most innovative, forward thinking organisation in the financial product portfolio development, Discovery.

We are recognised by them as leaders in the financial advisory services arena and this makes us the right organisation to select to ensure that you are able to Thrive while you’re Alive.

Prepare for the unknown

Our journey begins with us obtaining a key understanding of you and your employees’ current situation. We manage this through a three-pronged approach 


Our process is to:

  1. Evaluate each of your employees, no matter their healthcare or financial history or background.

  2. Advise the best possible solution for each particular need.

  3. Administer the application process from card distribution to claims, queries and regular updates.

Preparation in the real world is best managed in the same practical, pragmatic manner in which you’d tackle the challenge of reaching the summit of Everest. As a mountaineer you would understand that
at the top it will be cold and there will also be a lack of oxygen, it is therefore advisable to pack the equipment required and carry it with you – there’s no ‘do-overs’ if you want to summit any peak.

Life is the same – we do know that we will age, our ability and capability to earn will diminish with time, as will our health, we don’t know at what rate degradation will occur. We also know that we will stumble over bumps through our life journey, we don’t know the nature of these bumps. There will be windows of opportunity that open along the journey, we don’t know whether we’ll have the means to seize these opportunities.

Preserve Dignity

A full life falls short when the risk of being stripped of our dignity weighs heavy on our mind. The preservation of our health and our belongings that have been built up over time, is of paramount importance. There are very few ‘do-overs’ in life, it is this philosophy that sits behind our comprehensive Preservation offering, comprising health and risk management.

Should we be dealt an unexpected blow, without having the peace of mind, that those we leave behind will be cared for, strikes fear in the hearts of most. Ensuring that our wishes for the legacy we leave are paramount to maintaining the dignity of humanity.

Healthcare and the corporate wellness environment is in our DNA. Post our evaluation of all your staff we will be in a position to provide solutions for all your employees irrespective of the previous healthcare background. Our administrative team will facilitate the process from application to card issue.

We don’t stop there we manage changes in family structures, year-end reviews, day to day queries regarding hospital authorisation, chronic medication and managed care programs.

Vitality, our wellness days can either be attended at our office or we can facilitate
them at your premises – we encourage participation, make it fun and most importantly gather key statistics that provide you with insight with regards the wellness of your corporation.

Gap cover is no longer a nice to have it’s become an imperative to ensure that you are not faced with debt after having gone through a difficult situation.

Life, Ten, Twenty years ago you had limited choices with regards choosing Life cover. When last did you review what is on offer and whether it meets the needs of today’s workforce and your business. Let us review what your offering and investigate whether there is scope for improvements. We offer advice on Life cover, Severe illness cover, Income continuation, Preservation funds.

Short term, from business insurance to personal household or homeowners we offer
you the ability to preserve what you own wherever you go. We have the partners, know how and experience to ensure that in the event of a claim your process will be streamlined, effective and frustration-free.

Fiduciary, having a will has many advantages, it protects the inheritance of children under 18. Establishment of a trust for the sole benefit of your children ensures you can avoid governmental guardian fund fees, a letter
of wishes means no second guessing for those you’ve left behind they’ll be aware of your wishes, you will save on estate duty with proper planning and having a living will is a necessity. 
Let us help you and your employees with the important task of leaving a legacy.

Diversify for abundance

Abundance is the enrichment of your life and the lives of those you care for, those you wish to leave your legacy to. Diversification of your financial portfolio gives you the peace of mind should one of your assets be affected the others will continue to provide, in abundance ensuring that you and your loved ones are able to live a full life.

The options available today which enable you to build a robust, diverse, sustainable financial portfolio are innovative, bespoke, international. Our experience and expert knowledge of the range of products, our genuine care for your financial future enable us to configure a diverse product set to suit even the most discerning investor.

Retirement, the trick to life is keeping all the balls in the air, never dropping one and having insurance cover for it if a ball happens to fall.


Consideration must also be given to when you get to the age where you’d like to leave the
working world and take a break. Living your life on your terms requires retirement planning.


We can help you develop a strategy that looks at your existing plans with a view to providing you with the best possible retirement options.

Education, without planning, education could be out of your reach when your children and grand children need it the most.


Our  experienced team understand and can ensure an education plan has been established and is in place.

Providing you with the peace of mind that the next generation will prosper.

Keyman Insurance, small business owners hold the key to the success of their business,
it can’t thrive without their IP and input. We ourselves are a boutique consultancy and can identify with the situation.


We offer personal financial planning and keyman cover.

Download our Prospectus

See our download page here, and don't hesitate to contact us for a free no obligation consultation, at your earliest convenience.

Life | Invest | Health | Fiduciary | Short Term | Employee Benefits

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Perlov & Associates is a juristic representative of Discovery Life Limited.

​Discovery Life Limited is an authorised financial services provider (FSP 18147)