PPS For Professionals
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The Spirit of Mutuality

Unlike a company that is listed on a stock exchange paying dividends to shareholders, PPS – through the ethos of mutuality – shares its profits with members holding qualifying life insurance products.


PPS professionals come from versatile and diverse professions. However, knowledge is only part of their success. In a world where human touch is often lost, wouldn’t you rather be insured with a company that cares about your well-being?

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PPS was founded by a group of dentists who realised that if any of them were to suffer from an illness that kept them from work, their earnings could be severely affected. To protect themselves, they started a society where everybody contributed. These funds would be used to help any member through a period of illness. With this shared value, PPS soon grew to include other like-minded professionals.



Not only does PPS protect your ability to earn an income, you get to share in company profits through the PPS Profit-Share Account.

  • Once you become a member with qualifying products, a Profit-Share Account is automatically opened in your name.
  • Each year when we declare our profits or losses, all profit that PPS makes is redistributed to members, into their Profit-Share Account
  • The pooled money of all Profit-Share Accounts is reinvested and you benefit from compound interest.
  • The insurance claims you make over the lifetime of your membership do not affect the profit allocated to your Profit-Share Account.



  • After 60, the profits you’ve accumulated through the PPS Profit-Share Account over the course of your PPS Membership may become available via the Vested PPS Profit-Share Account.
  • You can utilise your accumulated profits in the Vested PPS Profit-Share Account as part of your retirement planning.
  • Supplement your post-retirement income by combining regular withdrawals from your Vested PPS Profit-Share Account with PPS Living Annuity income payments, allowing your annuity capital to last longer.



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The examples below illustrate the lifetime benefits of having and updating PPS benefits as your financial circumstances change.



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