Employer Risk Products

Employer Risk Products

Lifessential is not a medical aid but a health insurance committed to giving the best healthcare at the lowest cost.

We offer benefits such as Daily Care, Death and Disability, Hospital Income Protection as well as Occupational Health.

It can be used as a supplement to a Medical aid or simply for an individual or family that does not use a medical aid on a regular or cannot have a medical aid due to affordability.

Our product providers


Isle Of Houghton ,Old Trafford 4 Building,
Cnr Boundary & Carse O’Gowrie Road Houghton, Johannesburg

086 222 4444



Ndlovu Ulwazi Consultants is a licensed financial service provider with the Financial Service Board, FSP 35606, to provide advice and intermediary services in terms of the FAIS Act 37 of 2002.

Ndlovu Ulwazi is also accredited with the Council of Medical Schemes (CMS), ORG 163 and the Financial Intelligence Centre Act (FICA). Ndlovu Ulwazi’s compliance officer is Erick Vischer.