Guidance to move your business forward

We offer advisory services for umbrella retirement funds (pension and provident funds) to any organisation or business with more than 5 members.

In addition, we offer business assurance and short-term insurance for business owners. We also have access to excellent Financial Wellbeing training for members of retirement funds. This training is offered free of charge by Old Mutual and can be tailor-made to the specific needs of employers and members.


Empfin Solutions offers the full range of Old Mutual’s SuperFund Umbrella Retirement Fund options in order to assist organisations best. The Old Mutual SuperFund has been created specifically to meet the diverse employee benefit needs of all types of employers and employees through one holistic solution. Simultaneously, it offers the one thing that every employer and employee want when designing the financial future they desire – more offerings to select from to meet their needs at very competitive prices.


Old Mutual SuperFund Easy is a convenient and affordable employee benefits solution that is pre-selected and packaged by qualified and experienced SuperFund Trustees. It provides carefully selected retirement, death, disability and severe illness benefits, as well as funeral cover and many value-added benefits and services. Employers are able to select their retirement fund contribution levels above a specified minimum. Risk benefits are fixed and pre-priced.


Old Mutual SuperFund Choice is a flexible employee benefits solution that offers more choice within a broad, standardised framework while keeping costs low. It offers increasing and varied levels of investment and risk-benefit flexibility to employers and employees. Employers with 100 or more permanent employees also have the option of customising their risk-benefits offering.


Old Mutual SuperFund Customised is a fully customisable employee benefits solution through which employers can structure their retirement and risk benefits almost entirely according to their preferences and the needs of their employees. Employers can choose Old Mutual or any provider of their choice and also have access to approved investment advisers.


All businesses, be it a sole proprietor or a large corporate, have a unique set of financial requirements. However, these businesses are at risk if one of the key players in the business either passes away or becomes completely disabled. Starting a business is a risky venture, staying in business is tricky. Why risk the money and effort by not insuring the future of your business and staff?

Two of the most common needs:

Buy and Sell Agreement funded by Life and Disability Assurance – these are legal agreements between partners or shareholders that ensure a business’s management and ownership is not thrown into disarray upon the untimely death or disability of one of the stakeholders.

Keyman Insurance – this is a special life policy taken out by an employer on the life of a key individual in the organisation. It provides the business with bridging finance in the event of the employee’s untimely death or disability.


No business is without risk, whether you run a small commercial enterprise or operate a multi-national corporation, you will have assets to protect:

  • Buildings
  • Vehicles
  • Equipment
  • Furniture and appliances

The key to managing it is to partner with an insurer that understands the risks inherent to your particular field of business.

Old Mutual Insure will help you find the most suitable solution for your business.


The Financial Wellbeing Programme was established by Old Mutual as a way of partnering with South African businesses and retirement funds to deliver on a shared responsibility to empower, educate and enable all South Africans to achieve the best possible financial outcomes for themselves and those they care about.

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