at 21 Lighthouse Rd, Umhlanga Rocks, 4320 South Africa

FMI are Income Protection Specialists. We provide sustainable income protection cover that is tailored to the needs of the people we serve.

21 Lighthouse Rd
Umhlanga Rocks 4320
South Africa
Contact Phone
P: 0860 10 11 19


FMI are The Income Protection Specialists. We believe that an individual’s greatest asset is their ability to earn an income and all risk benefits should be designed to protect that asset. All financial planning should start with temporary income protection because temporary disability is the most likely risk event to occur. Our research shows that 7 out 10 FMI policyholders will experience at least 1 disability event during their working career and close to 90% of these will last less than 90 days. And we know, given the amount of debt and lack of savings most South Africans have, that surviving for even a week with no income can be devastating. Next, the risks of long-term disability and death need to be addressed through a combination of income and lump sum benefits. To properly protect a future income stream (the ability to earn an income), an income based solution that replaces monthly earnings is best. A lump sum can then be used for once-off expenses such as repaying large debts, business assurance, or making necessary lifestyle changes. We believe the same logic applies to both death and disability planning. FMI was established in 1995. At that time, income protection was only available for professionals. FMI was one of the first financial services providers to provide income protection for the self-employed and is focused on ensuring the survival of small businesses. We believe that the combination of being a highly focused product provider with the strong backing of our underwriters and re-insurers (Swiss Re and RGA Re-Insurance) provide our clients with an unbeatable risk solution. Our shareholders include FMI CEO Brad Toerien, Lombard Life, and Craig Harding. Our partners Lombard Insurance Company In 2009, FMI entered into a partnership with Lombard. Recognised and respected for its expertise and superior products, Lombard has impeccable financial credentials and enjoys a reputation for independence, reliability, and exceptional client service. Going forward, from 1 July 2014, Lombard will change its role, from a licence and developmental capital provider, to a long-term shareholder only in FMI’s business. Guardrisk Life As of July 2014, we welcome Guardrisk Life as our new licence partner. From 1 July 2014, FMI will become an Underwriting Manager of Guardrisk Life Ltd and .all our new business will be insured by them. With excellent financial credentials, Guardrisk Life has a Fitch financial strength rating of AA, a Global Credit rating of AA-, and a capital adequacy ratio (CAR) of 3.8 as at March 2014. Insured by Guardrisk Life Ltd FSP 76. FMI Ltd is an authorised Financial Services Provider FSP 2717. To learn more about FMI, speak to your Financial Adviser or visit

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