Perlov & Associates

What Perlov & Associates does

Perlov & Associates is a private, boutique financial advisory firm headquartered in Houghton Estate, Johannesburg, South Africa, operating as a juristic representative of Discovery Life Limited (an authorised financial services provider, FSP 18147). Founded on 1 October 2019 by CEO Alon Perlov and partners Darren Mervis and Gareth Stonefield, the firm offers individuals and businesses a unified suite of risk, health, wealth, retirement, and fiduciary services, structured around a three-pronged framework — Prepare (short-term and risk), Preserve (investments and estate planning), and Diversify (health and retirement). Core product lines include Individual Risk Insurance, Investments (local, offshore, and retirement), Medical Aid, Short-Term Insurance, Employee Benefits, Fiduciary Services, and Business Insurance, all delivered through bespoke advisory engagements.

The firm has no proprietary technology platform and does not develop any in-house AI or software; it leverages Discovery's financial product infrastructure and the Vitality wellness ecosystem as its underlying technology backbone, with a corporate website (perlov.co.za) hosted on Wix serving as the primary digital surface. Distribution is direct and sales-led, conducted by specialist advisors at the Johannesburg office or on-site at client premises, supplemented by content marketing (blog, LinkedIn, Facebook, Instagram, email newsletter).

Commercially, Perlov & Associates generates revenue through commissions and advisory fees on Discovery-branded financial products placed with clients; pricing is bespoke and consultation-based with no publicly disclosed tiers. The firm serves a broad base of 2,000+ individual and corporate/SME clients across South Africa, and has been recognized as Discovery's Number 1 Broker nationally, holder of Lifetime Diamond Prestige Status, and recipient of Platinum and Gold Prestige Broker awards (CEO and partners). The leadership team contributes 60+ years of combined industry experience, and headcount sits in the 11-50 range, indicating organizational scaling beyond the three founding partners.

Name

Perlov & Associates

Legal name

Perlov & Associates

Website

https://perlov.co.za

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

Perlov & Associates is a Johannesburg-based boutique financial advisory firm offering risk, wealth, health, retirement, employee benefits, and fiduciary solutions to 2,000+ individual and corporate clients in South Africa through a juristic representative partnership with Discovery Life Limited.

Ownership category

akta.pro rank

Headquarters

HQ city

Johannesburg

HQ country

South Africa

HQ region

Africa

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D

Revenue model

1. Financial Advisory Services: The firm generates revenue through advisory fees and commissions on financial products placed with Discovery Life and related financial services. As a juristic representative of Discovery Life Limited, they earn referral/advisory compensation for arranging life insurance, investments, medical aid, and other financial products.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels6 records

Core offering

Perlov & Associates is a boutique financial advisory firm that designs, places, and administers wealth, risk, and health solutions on behalf of individuals and businesses across South Africa. As a juristic representative of Discovery Life Limited, the firm distributes life insurance, investments, medical aid, short-term insurance, employee benefits, fiduciary and estate planning services, and business insurance. Service delivery combines personalised advisory consultations at the Johannesburg office and on-site corporate engagements, supported by ongoing claims handling and portfolio management.

Product overview

Perlov & Associates is a boutique financial advisory firm offering a unified suite of wealth management and insurance products structured around a 'Thrive while you're alive' philosophy. Their core portfolio comprises Individual Risk Insurance, Investments (local, offshore, and retirement), Medical Aid, Short-Term Insurance, Employee Benefits, Fiduciary Services, and Business Insurance. These products operate through a three-pronged approach framework: Prepare (short-term insurance and risk), Preserve (investments and estate planning), and Diversify (health and retirement), all delivered in partnership with Discovery Life Limited as their primary financial product partner.

Differentiator

Problem solved

Functional benefit

Products and services

• Individual Risk Insurance Financial protection policies covering death, disability, severe illness, and loss of income, structured as lump sum or regular income portfolios for individual clients.
• Investments Comprehensive investment solutions including Local Investments (Endowment and Flexible Investment Plans), Guaranteed Investments, Offshore Investments, and Retirement Investments for individuals.
• Medical Aid Access to medical schemes offering a wide choice of health plans with unlimited private hospital cover and benefits suited to client needs and affordability.
• Short-Term Insurance Comprehensive car and home insurance with access to rewards and innovative technology, including business insurance and personal household coverage.
• Employee Benefits Corporate and SME employee benefit solutions including Group Risk, Retirement, Health and Vitality programs, administered from application through claims handling for employer clients.
• Fiduciary Services Estate planning services including Last Will and Testament drafting, Living Will, Inter-vivos Trusts, Deceased Estate Administration, and Business Buy & Sell agreements.
• Business Insurance Business risk solutions including Corporate Solutions, Commercial Cover, Key-Man insurance, and Buy and Sell agreements for business continuity.

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Discovery Life LimitedcoreStrategic or Co-development PartnerDiscovery Life Limited is the primary strategic partner providing the financial product portfolio (life insurance, investments, health products). Perlov & Associates operates as a juristic representative of Discovery Life Limited, an authorised financial services provider (FSP 18147). The partnership enables access to Discovery's innovative financial products including Vitality wellness programmes, health insurance, and investment solutions. Discovery provides support and recognition including Prestige Awards for broker performance.

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Market position

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/PerlovAssociates
• LinkedInlinkedin.com/company/perlov-associates
• Instagraminstagram.com/perlov_associates

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Perlov & Associates