Linda van Zyl - Independent Financial Adviser

09/02/2026

24/01/2026

🔮 You can’t predict the future… but you can create a plan to protect it.

💼 Income Protection Cover

Let’s be real — your biggest asset isn’t your car or your house.
It’s your ability to earn an income.

Have you ever stopped to think how life would change if an illness or injury meant you couldn’t work? 🤕
That’s where income protection comes in — giving you peace of mind that your financial future is protected when the unexpected happens.

👉 So how does income protection work?

You pay a monthly premium based on things like your age, health, and occupation.
If you can’t work due to a covered illness or injury, your insurer pays you a monthly income after a waiting period you choose (anything from 7 days to 24 months).
You receive a tax-free monthly income until you return to work, the policy ends, or you reach retirement age.
Payments are usually up to 75% of your after-tax income.
💡 What about Lump Sum Disability Cover?
Good question!

Lump sum disability cover pays you a once-off amount if you become permanently disabled and can’t work again.

✨ Why you might need both:

Income protection replaces your salary with ongoing monthly payments.
Lump sum disability cover helps with big once-off costs — like paying off your bond, clearing debt, or modifying your home or car.
You may already have cover through your employer — but it’s important to understand what you’re covered for and whether it’s enough for your needs.

⏰ When’s the best time to get covered?
Honestly? Now.
The younger and healthier you are, the more affordable your premiums are. Waiting until later — or until something happens — can make cover more expensive or harder to get.

💬 Let’s chat
If you’d like to review what you’re already covered for, or you’re not sure where to start, let’s have a conversation.
I’ll help you understand your options and find cover that fits your lifestyle and budget — because protecting your income means protecting your future.

📞 Leave your number below and I’ll give you a call, or contact me directly:
Office: 031 566 6488
Cell / WhatsApp: 073 222 7198
📧 [email protected]

01/11/2025

After may years working in financial services, I'm excited to announce that I've started my journey as an Independent Financial Advisor at Ian Pace (Pty) Ltd.

My goal is simple: to help more South Africans feel confident and in control of their finances by planning for their financial goals and security.

If you or someone you know would could use a review of their financial plan, I's be happy to assist.