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CreditGuard is an Innovative Credit Life Insurance Policy specifically designed for the South African Debt Review Market, its Debt Counsellors and their valued Clients.


We Pay when Your Clients Can’t


The CreditGuard Credit Life Policy gives security and peace of mind to you the Debt Counsellor and your Clients in the event of a claim by Keeping your Clients’ Debt Review in place and protected. 


The CreditGuard Credit Life Insurance policy is a combination of  8 tailor-made benefits at an affordable cost to your Clients.

 Retrenchment / Loss of Income Cover* 

Maternity Cover* 

Death Cover*

Accidental Death Benefit*

Permanent Disability Cover* 

Temporary Disability Cover* .

Critical Illness Cover* 

Identity Theft Cover** 


All benefits are subject to Exclusions and Waiting Periods

* Guardrisk Life Product             

**Non-Guardrisk Life Product


CreditGuard Special Features:

 Covers Secured and Unsecured Credit Agreements under Debt Review

  • Accommodates Single and Joint Applications
  • No Medicals required
  • Affordable premiums for your Debt Review Clients
  • Covers all Debt Counselling fees on monthly payments
  • One Consolidated monthly premium that forms part of your Clients’ Monthly Debt Review Repayments
  • Quick online Quote and Referral process
  • Dedicated Broker appointed for your Clients
  • Easy and Simple Claims process where a claim gets paid out directly to the PDA, nominated beneficiary or policyholder where relevant


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CreditGuard Credit Life Insurance is Insured by Guardrisk Life Limited (1999/013922/05) a registered long-term Insurer and an authorised financial service provider. (FSP no. 76)

 Administrated by Siyavika Risk Solutions, an authorised financial service provider. (FSP no. 44999)

CreditGuard is brought to you by Emisha Software  (PTY) Ltd | 2016/281371/07