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PPS Blog

Business planning: Mitigation in an era of unprecedented uncertainty

Risk planning and risk mitigation has always been a crucial part of business planning. However, navigating the current environment of business risks can prove to be challenging as business owners are now more anxious about business sustainability.

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Obakeng identified opportunities to develop himself at every turn

A pure example in my case was being part of the service environment, where one is required to communicate constantly with colleagues and clients, and my first encounter within this context taught me the importance of taking how I come across very seriously.

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Makungu put theory into practice during his tenure as an intern

From a personal stance, I believe that corporate culture encompasses quite a few things, ranging from the physical environment itself to the fun perks and ways in which it is translated by the employees within the company - this includes the unique ways of doing things.

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2019 intern Molebogeng speaks from the heart

I have built friendships which have resulted in me having a good support system at work. As a person who believes that a good support system is necessary for anyone in the work environment, I have noted how this has helped me get through the challenging parts of my work.

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Mikaeel’s transition from tertiary to the workplace

Although I was puzzled regarding the steps to follow, I was sure of one thing. I was eager to make my way into the corporate world and start growing and learning as an individual. Through the help of a friend I applied for the Graduate Internship Development Programme at PPS, was successful in the i… Read more

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Tiisetso on using work-readiness lessons to leap to success

I am also grateful for the solid foundation that has been laid for my career development because during my time here I have gained invaluable skills such as networking with people and improving my confidence levels because I meet with clients on a regular basis.

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Kimlynn values the art of networking with other professionals

Being an intern has been an experience that has granted me the opportunity to meet and surround myself with prolific professionals. These are individuals who have not only imparted great knowledge to me, but have also supported my goals, aspirations, and ultimately led me to understand that nothing… Read more

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Mfundo is ardent about empowering others about financial wellness

I am of the view that if a person cannot lead themselves, then they cannot lead others to make apt financial decisions. We have no business leading others into greatness if our own personal lives are a train wreck, that is why I often say: “It takes a village to bring about financial change or any o… Read more

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Adaptation In The Age Of Climate Change

Following a spate of natural disasters in recent years, South Africans would be hard-pressed to deny the obvious impact that climate change is having on our environment and economy.

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In times of economic uncertainty, manage your risk with PPS Short-Term Insurance

One thing that is prevalent in South Africa, is the influx of uncertainties in the country. For instance, will there be another ratings downgrade, will we load-shed this winter, will the Rand prevail amidst all this activity, and what will the effect be on consumers and businesses alike?

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Tips for updating your policy in 2019

It is that time again when many of us resolve to make changes to better our lives. Have you done all your planning and are your ducks in a row for 2019? Update your inventory, ensure that you still have the right amount of cover and address any gaps in your insurance! Switch to us; safeguard your fu… Read more

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Keep your assets safe in your absence

At PPS Short-Term Insurance, we pride ourselves on our ability to provide Intelligent Insurance For Graduate Professionals; personalised, tech-enabled solutions that meet your professional standards and needs. But let’s face it, no matter how modern or comprehensive our service offering, the most in… Read more

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Experience a short-term insurance solution that is as unique as you are

When it comes to short-term insurance and choosing an insurer you can rely on, the process can be rather daunting. From the exhaustive amount of time it takes to get an accurate quote, to finding an insurer that meets your specific needs - the process can get in the way of the work you do every day,… Read more

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Celebrate-heritage month with legacy rich pps short term insurance

On 24 September we celebrate Heritage Day. It’s a day when South Africans from all walks of life celebrate their culture and the diversity of their beliefs and traditions. Just as all South Africans have a proud heritage, so do we. Since 1941, we are the only mutual financial services company that’s… Read more

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This womens month we note why we need more women

The common misconception in South Africa and all over the world is that women are bad drivers. However, extensive research has proven that this statement is far from correct [1]. Here are some statistics that prove that women drivers are safer than their male counterparts on our roads.

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4 Unforeseen winter perils you should prepare for and be insured against

It’s not uncommon for most people to think that South African winters are mild in comparison to winters in other countries north of the equator, such as in Europe. However, they couldn’t be more mistaken. Winter-related claims could in fact constitute a large portion of your claims as extreme weath… Read more

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Know what youre covered for this winter

With winter already in full swing in South Africa, extreme weather conditions across most parts of the country can present a number of challenges for many homeowners. Therefore, it is vital that consumers ensure they know exactly what their insurance policy will cover in the event of typical winter… Read more

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Not your average internship programme

At the end of the day, I go home with a big smile on my face because, as young as I am, I get to touch people’s lives daily, and that brings a sense of purpose, fulfilment and meaning to my life. 

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A graduate programme fit for a go-getter

 I am a go-getting achiever and effective team leader. An extraordinarily self-motivated, problem-solver who works hard and savours a challenge. 

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I’ve had to stretch myself and move out of my comfort zone

This came with knowing that a tree does not grow in a day, and that there are so many factors that lead to its growth. The millennials that have been chosen for this programme have become more than colleagues, we are aa unit that’s there for one another, taking steps together and making sure that we… Read more

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PPS has pushed me to think like there is no box

I was previously exposed to the work environment but still felt that doing a graduate programme would help enhance my skills. And being here at PPS, I have received exactly that because the opportunity has broadened my horizon

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A great foundation for my career to lift off on

Therefore, I can say the same about my foundation and career launch that is currently being established at PPS. I am learning invaluable skills and lessons which I believe that once the 12 months are over, I will be a better person professionally as well as on a personal level.

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My confidence and leadership skills have been refined

One can argue that knowing what you're talking about is most important, however for me, having confidence when articulating yourself and carrying out task is even more important. People listen intently when the orator believes in their ideas and, and one automatically commands attention. This I lear… Read more

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I'm proud that my career journey started with PPS

In 2015 I did an internship while I was simultaneously studying full time. This is a requirement in my institution to obtain a qualification. 

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this women's month we note why we need more women in the driver's seat

According to traffic statistics, 80% of all car accidents that kill or seriously injure other drivers and pedestrians involve male drivers. It was also discovered that female drivers were 27% less likely to be found at fault when involved in an accident. And because 65% - 70% of the cars on our road… Read more

PPS Blog

4 unforeseen winter perils you should prepare for and be insured against

It’s prudent to take reasonable steps to protect your property and maintain your home. This helps prevent accidents which could otherwise have quite easily been avoided, during bad weather events. In the event that the worst does occur this winter, you need to make sure that your insurance policy ad… Read more

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know what you’re covered for this winter

 it does not pay for gradual deterioration or lack of maintenance. “As a result, it is imperative to perform regular maintenance to the property to avoid rejection of insurance claims.”

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know what you're covered for this winter

In the event of a burst geyser, it is vital that homeowners follow the correct steps, as stipulated in their insurance policies to ensure the claim is fully paid out, he says. “When in doubt, homeowners should always contact their insurance provider or broker to enquire about the correct procedures… Read more

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Safeguarding the hard work of graduate professionals

You studied hard for what you wanted and when you graduated, you aspired to financial independence and sought to make your own mark in the world.

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Your pre-holiday insurance checklist

As a homeowner, you should regularly check the roof for missing, worn or broken roofing materials that could allow water to infiltrate and weaken the roof’s structure.

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The brokers role in business insurance in South Africa

The relationship between brokers and insurers is set to evolve even more over the next few years. One thing however will remain constant: the broker distribution model will always remain relevant and significant within the South African insurance landscape, particularly within the business sector.… Read more

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Tips for insuring your child’s car

Every year, many South Africans turn 18 and along with this important life event, a vehicle may be purchased or handed down to the young adult as a means of transport when they obtain their driver's license

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The Short-Term Insurance cover you need

As a graduate professional, we know that you set your goals high. You didn’t compromise. When it came to your education, you strove for the best and after several long years of studying… you made it.

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The Gift from a working mum to her children, that she will not see them enjoy

As a working mum, I have realised that the corporate world is always changing and the pace at which it does, increases each year.

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A heritage to be proud of!

PPS was founded by a group of 8 dentists, in 1941, right in the middle of the second World War.  It was during this difficult time, that the dentists realised the need to protect themselves against the inability to perform the functions of their work, due to illness or injury.

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Hey you Ms 20 Something, give your career a boost.

There I was navigating traffic in my township, trying to find spaces between taxi drivers and using the horn when to show my displeasure. 

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Where I belong … because I am a graduate professional

The memory of receiving the phone call that changed my life for the better is still so vivid in my mind. It was just after my final year exams at university when I was called in for an interview.  

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How a good support system has moulded me

Coming from the small industrial town of Sasolburg and having furthered my education at the North West University’s Vaal Campus, I had reservations about yet another interview because in my mind this one would form part of the several meetings where I would come out unsuccessful yet again.

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My journey to being a maven started at PPS

I often come across people who revere those who hold the actuary title, and never have I thought that one day I would be the individual whose jaw would drop.

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Empowering graduates to learn while conquering the professional world

After a short period, and unbeknownst to me, I realised that the PPS Graduate Internship Programme would be a snug fit. I took the plunge and gratefully accepted a place as one of the selected graduates, to which I soon learned that this was exactly what I needed to get my career started. 

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Defying the “average graduate” label

On the first day at work, myself and the other graduates toured the company acquainting ourselves with the different departments, the staff and got to know a bit about one another. 

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The right time for the perfect fit

Regardless of the length of time that one is unemployed for, the loss of morale is one of the things that are guaranteed. This is why it was almost surreal that PPS had seen my potential and selected me for the role.

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Investment strategy to outsmart volatility

A lump sum can be made into a money market fund where predetermined fixed amounts can be debited (say monthly) and invested in the chosen unit trust to benefit from the rand cost averaging strategy.

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How student loans work in South Africa

There are several options where South African students can access loans for academic purposes - ranging from government organisations, banks and private financial institutions. Unlike receiving a bursary, student loans are meant to be repaid with interest once you have completed your qualification a… Read more

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Does money still have real value for students?

Oh, my word, how will my student children who have flown the nest learn to pace themselves with their monthly allowance of an allocated amount per day to provide for food, beverages, clothes, transport and entertainment? To be fair, my son has never actually asked for additional money. I guess he un… Read more

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Why should you care

If you are married, have children or family (parents, siblings, etc.) that you care about deeply and they rely on you financially, then you need life, critical illness and disability cover.  Your family will suffer financially in the absence of your income.

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Push the boundaries

he sayings, “Work like a slave to live like a king” and “Do what you love and you will never have to work a day in your life,” come into play when tackling the subject of being an entrepreneur while one has a regular job.  

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PPS partnering with ICMIF

That’s because mutual insurers don’t have any external shareholders. They can give all their profits back to their customers through reinvesting in the business, redistributing profit shares, and keeping control of the company and its financial decisions in the hands of those who use it. 

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What does an umbrella and life insurance have in common?

Umbrellas have been around for and have many different meanings.  In some cultures it is a symbol of wealth and status. They represent protection from harmful forces, the sun and rain. 

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A mentor is a must have, when you’re a graduate

After graduating, the majority of graduates use the spray and pray approach where they send out their CV’s to multiple employers (spraying) and hoping (praying) to get a call back with a job offer.

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The South African Insurance Association’s concerns about South Africa’s recent downgrade

Pearson said that the ratings downgrade by both Standard and Poor’s (S & P) and Moody’s, will greatly affect the short-term industry.

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Three ways “junk status” affects your car and home insurance

And unfortunately, this negatively affects the short-term insurance industry. Which means it could affect your car, home and business insurance policies.

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The Short-Term Insurance cover every graduate professional needs

Tending to be more than just run-of-the-mill motor insurance, the comprehensive car insurance policy also encompasses both watercraft and motorbike insurance, and has the potential to cover everything from the family sedan to the get-away yacht.

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New trends in the insurance industry 3/20/2017 ​

The trend of the “battle of the premiums!” What is quite apparent is the fact that people, in general, are indeed on the look-out for instant gratification and cheaper insurance premiums, especially the younger generation entering the marketplace, buying products and services.  The issue here i… Read more

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2017 Budget speech

Another sign of the tough economic times we are facing is the fact that far less revenue was collected than initially expected. It was sobering to learn that for the first time in 25 years, South Africa had failed to reach its projected tax revenue target. 

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Student loans - Do the math before signing up

The load becomes much lighter when you become one of the few individuals, who manage to obtain a bursary however a large number of people resort to taking up student loans to bridge the financial gap. Here are points to consider should this be the route you plan on taking

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Facts about critical illnesses

Critical illness insurance is a policy that will pay you a lump sum if you suffer from a listed severe illness or impairment, depending on the severity of the condition.  These can include conditions like cancer, heart attack, loss of limbs, paraplegia and others.

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The "where to live" decision

The above costs can add up to hundreds of thousands of rands over a lifetime. It therefore makes sense to consider your commuting distance (work, schools, family etc.) as one of the very important factors when deciding where to live. Do your best to choose a location which will result in the least a… Read more

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Three month guide to financial stability

For example, according to the Animal Behaviour Consultants of SA, the cost of owning a medium sized dog accumulates to around R12 000 a year, while owning a cat amounts to around R9 000

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Get Insured, it's the adult thing to do

These decisions all come with something called “debt”. Unless you have millions saved or planning on winning the lottery debt is something that you cannot avoid. This means that majority of your income will be used to pay off all adult decisions made by you.

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The Benefits of Internship

Graduates have the idea that possessing an under or postgraduate qualification exempts you from starting at the bottom. As the old saying goes; “The only job where you can start at the top is digging a hole.”

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Cheap vs expensive insurance

 Maybe, maybe not as this is quite a contentious argument. There are so many factors playing a role and to put this in context, one needs to understand the requisites behind insurance and why essential value is more important than cheap insurance premiums.

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Work Life Balance

Is it even possible to achieve a work life balance, or is it just a fashionable thing to say?  You are probably looking at this, and thinking that there aren’t enough hours in a day to possibly achieve this!

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