Independent, client-first advice — built around you.
As an independent firm, we work for you — not a single insurer. With over 25 years of experience, we help you make confident decisions about medical aid, life and income protection, retirement, investments, and business assurance. When challenges arise — from rejected claims to hospital escalations — we stand by you every step of the way to make sure you’re treated fairly. We serve clients nationally across South Africa.
What independence means for you
Jumah Brokers is an independent FSP. In past corporate roles we could only offer the products of one company. Now we compare options across approved product providers and recommend what’s in your best interest — transparently, in plain language, and with full disclosure of costs.
- Access to a range of product providers across approved categories
- Unbiased comparisons and advice aligned to your goals and risk
- Ongoing service: claims support, annual reviews, and policy optimisation
Out of scope: We do not place commercial short-term insurance (business vehicles, stock, buildings, liability). Our short-term approval is Personal Lines only.
About Jumah Mohammed
Executive Financial Planner (NQF Level 8), Key Individual and representative of Jumah Brokers.
Special interests: medical scheme advice and claims escalation, risk benefits (life, disability, income protection), retirement strategy, unit trusts, and business assurance for owners and professionals.
National service in South Africa — virtual or in-person by appointment.
What we do
Medical Aid
Plan selection, benefit education, chronic medication support, pre-authorisation and claim escalation when things go wrong.
Life & Income Protection
Life cover, disability cover, income protection and severe illness benefits to safeguard your household cashflow.
Retirement Planning
Contributions, RA/preservation, annuity strategy, and drawdown planning for long-term security and tax efficiency.
Investments & Unit Trusts
Goal-based portfolios using approved collective investment schemes and investment life products, explained in plain language.
Business Assurance (Life-based)
Key-person, Buy-and-Sell, Contingent Liability and Overhead Protection — structured under Long-Term Insurance categories (B1/B2).
Note: We do not place commercial short-term insurance.
Ongoing Care
Annual reviews, benefit optimisation, beneficiary updates, and practical help with queries and claims.
How we work — the 6-step advice process
1. Discovery
Understand your goals, family, business, timeline and risk preferences.
2. Analyse
Review existing cover and investments, identify gaps and inefficiencies.
3. Strategy
Design options with costs, pros/cons, and a clear path to your objectives.
4. Recommend
Independent recommendations from approved providers, documented in writing.
5. Implement
Handle paperwork, underwriting, fund switches, plan changes and setup.
6. Review & Support
Annual reviews, claims assistance and on-call guidance when life changes.
Plain-English product explanations
Key-person cover
Life or disability cover on a crucial employee/owner. Pays the business so it can recruit, stabilise cashflow or reduce debt if that person cannot work or passes away.
Buy-and-Sell cover
Life cover on co-owners linked to a buy-sell agreement. Ensures the surviving owner can purchase the deceased’s shares, giving the family fair value and the business continuity.
Contingent Liability
Life cover to settle a business loan if an owner dies, preventing personal sureties being called and protecting the estate and company.
Income Protection
A monthly benefit if illness or injury stops you working, protecting lifestyle and financial commitments while you recover.
Severe Illness (Dread Disease)
Lump sum on diagnosis of major conditions (e.g., cancer, heart attack). Helps fund treatment gaps, changes at home or debt reduction.
Unit Trusts & RAs
Flexible collective investment schemes and retirement annuities that grow tax-efficiently when structured correctly for your goals and horizon.
Compliance at a glance
Jumah Brokers is an Independent Financial Services Provider (FSP 49060). We are authorised to render advice and intermediary services (non-automated) under Category I for:
- Long-Term Insurance – A (assistance policies, e.g., funeral)
- Long-Term Insurance – B1 / B1-A (risk: life, disability, income protection, critical illness; key-person; buy-and-sell; contingent liability)
- Long-Term Insurance – B2 / B2-A / C (investment-type life products; endowments; RA/preservation; annuities)
- Short-Term Insurance – Personal Lines / A1 (personal short-term only)
- Retail Pension Benefits & Pension Funds Benefits
- Participatory Interests in a Collective Investment Scheme (unit trusts)
- Money-Market Instruments & Deposits (short & long term)
- Health Service Benefits (medical schemes & related benefits)
- Friendly Society Benefits
Out of scope: We do not place commercial short-term insurance (company vehicles, stock, offices, liability).
B-BBEE Level 1 Contributor • Professional Indemnity Insurance in place • Executive Financial Planner (NQF Level 8). To verify a licence, visit the FSCA FAIS Register or call 0800 20 37 22.
Contact us
Jumah Brokers
South Africa (national service)
Phone: 084 553 2937
Email: jumah@jbrokers.co.za