Stability ZA
Stability Risk and Investments is a South African financial advisory and insurance brokerage that distributes short-term, life, healthcare, and retirement products — primarily through Discovery Group and several other underwriters — to individual and small business clients via a bespoke consultation model.
- Company typePrivate
- Founded-
- HeadquartersJohannesburg, South Africa
- Headcount1–10
- GTM typeB2B
- OfferingServices
What Stability ZA does
Stability Risk and Investments (Pty) Ltd is a South African Authorised Financial Service Provider (FSP 22543) operating from Johannesburg as a small (1-10 employee) financial advisory and brokerage intermediary. It operates as a juristic representative of Discovery Life Ltd (FSP 18147) and serves individual consumers, small and medium businesses, and Discovery product customers with short-term insurance (car, home, commercial), healthcare cover (medical aid, gap cover), life insurance, and retirement fund solutions. The firm runs a sales-led, consultation-based go-to-market, offering free consultations through a network of financial product advisors and a three-step process (assessment, advisor matching, plan selection) that tailors coverage to client needs.
The company's product portfolio is built almost entirely on Discovery Group's digital ecosystem rather than on proprietary technology. This includes the Discovery App, Discovery Connected Care (home-based healthcare orchestration), TytoHome/TytoCare remote diagnostic devices, DrConnect (developed with HealthTap) for virtual consultations, and the Vitality behavioural wellness programme including Vitality Drive (telematics-based driver rewards with Impact Alert, vehicle tracking, and fuel cashback) and Vitality 65+. Stability also places short-term policies with non-Discovery underwriters — Santam, Hollard, Outsurance, Miway, and Momentum — giving clients multi-carrier choice outside the Discovery stack.
Commercially, the firm earns revenue exclusively through brokerage commissions on placed policies (affiliate/referral model) and does not publicly disclose pricing. Distribution is domestic-only, conducted via direct advisory relationships supported by content marketing through its website blog. The company is branded as women-owned and positions itself on bespoke advisory service rather than scale, competing against other small intermediaries in the South African insurance brokerage market.
Stability ZA firmographics
Firmographics- Name
- Stability ZA
- Legal name
- Stability Risk and Investments (Pty) Ltd
- Website
- https://stabilityrisk.co.za
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Stability Risk and Investments is a South African financial advisory and insurance brokerage that distributes short-term, life, healthcare, and retirement products — primarily through Discovery Group and several other underwriters — to individual and small business clients via a bespoke consultation model.
- Ownership category
- akta.pro rank
Stability ZA industry classification
Industry- Product category
- Insurance Brokerage and Financial Advisory
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242), Portfolio Management and Investment Advice (523940)
- SIC
- Insurance Agents, Brokers & Service (6411), Investment Advice (6282)
- akta.pro primary industry
- Insurance Due Diligence & Transaction Risk Advisory (M&A, W&I) (FSAEADAM)
Keywords
Where Stability ZA is headquartered
LocationHeadquarters
- HQ city
- Johannesburg
- HQ country
- South Africa
- HQ region
- Africa
Offices1 record
Markets served
Stability ZA business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Insurance Brokerage Commissions: Stability operates as an authorised financial service provider and broker, earning commissions from placing insurance products (short-term, life, health) with insurance providers including Discovery, Santam, Hollard, and others.
Go-to-market motion1 record
Distribution channels3 records
Marketing channels3 records
Stability ZA product offering
Product offeringCore offering
Stability Risk and Investments is a financial advisory and insurance brokerage firm authorised under FSP 22543 in South Africa, operating as a juristic representative of Discovery Life Ltd. It distributes short-term insurance (car, home, commercial), medical aid and gap cover, life insurance, and retirement fund solutions through a network of financial product advisors who provide bespoke financial planning via a free three-step consultation process. Revenue is earned through commissions from placing business with multiple insurance carriers including Discovery, Santam, Hollard, Outsurance, Miway, and Momentum.
Product overview
Stability ZA is a financial services intermediary offering a portfolio of insurance and healthcare products primarily distributed through the Discovery Group ecosystem. The core products include Discovery Health Medical Scheme (medical aid), Discovery Insure (car and home insurance), Discovery Life Insurance (life, disability, and severe illness cover), Commercial Insurance (business coverage), and Discovery Retirement Funds (retirement savings). These are supplemented by add-on modules including Vitality (behavioural wellness programme), Vitality Drive (driver rewards programme), Vitality 65+ (senior wellness), and Gap Cover. Key digital features include Discovery Connected Care (home-based healthcare), Discovery Prepaid Health (digital health vouchers), and TytoHome (remote diagnostic device). The products share integrated rewards structures through the Discovery ecosystem and leverage shared technology platforms including the Discovery App, DrConnect, and Vitality Health platforms.
Differentiator
Problem solved
Functional benefit
Products and services
- Discovery Health Medical Scheme Comprehensive medical aid providing health insurance coverage with access to digital healthcare ecosystem including virtual consultations, wellness tracking, and integrated health monitoring for individual and business clients in South Africa.
- Discovery Insure (Car and Home Insurance) Comprehensive car and home insurance offering flexible coverage with innovative safety technology, rewards through Vitality Drive, and integrated safety features for individual households.
- Discovery Life Insurance Range of life insurance options including Classic and Essential Life Plan, Business Life Plan, Purple Life Plan, Smart Life Plan, and Dollar Life Plan, providing illness, disability, and income protection benefits to individuals and businesses.
- Commercial Insurance Technology-enabled business insurance offering comprehensive coverage for commercial risks including liability, construction, professional indemnity, manufacturing, property, and SME businesses.
- Discovery Retirement Funds Retirement fund solutions with behavioural incentives that boost savings, including up to 15% employer contribution boosts, risk premium paybacks, and Discovery Living Annuity for flexible income management.
- Gap Cover Supplementary cover product that bridges the gap between what medical schemes pay and actual in-hospital healthcare costs, addressing shortfalls for individuals and employees.
Quantifiable outcome
- Up to 50% premium payback through Vitality Drive 65+ for healthy living and good driving
- +4 more outcomes
Companies that use Stability ZA
Customer profileNamed customers1 record
Segments4 records
Ideal customer profiles2 records
Stability ZA technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Stability ZA partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and minor.
- Discovery Life LtdcoreStability operates as a juristic representative of Discovery Life Ltd, an authorised Financial Services Provider (FSP 18147). This partnership allows Stability to distribute Discovery's life insurance, health insurance, and related financial products to clients.
- Discovery Health Medical SchemecoreStability distributes Discovery Health Medical Scheme products including medical aid, chronic illness benefits, and digital healthcare services such as Discovery Connected Care and DrConnect.
- Discovery InsurecoreStability distributes Discovery Insure products including car insurance with Vitality Drive programme and home insurance, offering comprehensive coverage with innovative safety features and rewards.
- SantamminorSantam is one of the short-term insurance providers that Stability can place client policies with, offering COVID-19 premium reductions of 20% during the pandemic.
- HollardminorHollard is one of the short-term insurance providers available through Stability, having offered 20% COVID-19 premium reductions.
- OutsuranceminorOutsurance is one of the short-term insurance providers available through Stability, having offered 15% COVID-19 premium reductions.
- MiwayminorMiway is one of the short-term insurance providers available through Stability, having offered 17% COVID-19 premium reductions.
- MomentumminorMomentum is one of the short-term insurance providers available through Stability, having offered 17% COVID-19 premium reductions.
Scale indicators2 records
Recent moves6 records
Expansion highlights4 records
Stability ZA competitors and assessment
Company assessmentDirect peers
- OUTsurance: Major South African direct and intermediated short-term insurer (car, home, business). Comparable because it both competes with Stability for short-term clients and is one of Stability's placement partners (Outsurance).
- MiWay: South African direct and intermediated short-term insurer focused on car, home and business cover. Comparable because MiWay is one of Stability's short-term placement partners and a direct competitor in the personal lines market.
- Santam: Largest short-term insurer in South Africa, distributing through brokers and direct. Comparable because Santam is both a short-term placement partner of Stability and a competitor for the same commercial and personal lines clients.
- Hollard: Large South African short-term and life insurer with a strong broker distribution model. Comparable because Hollard is one of Stability's short-term placement partners and competes for the same intermediary-led SME and individual market.
Emerging players
- Alexander Forbes: South African advisory firm focused on employee benefits, retirement and wealth advisory for businesses. Comparable as a competing financial advisory intermediary seeking the same SMB and corporate clients as Stability.
- PSG Wealth: South African wealth and insurance advisory network under PSG Konsult. Comparable as an advisor-led multi-product intermediary competing for high-net-worth and business clients with similar life, health and short-term offerings.
Broad incumbents
- Momentum Metropolitan: Diversified South African insurer and asset manager offering life, health, short-term and investment products via advisors. Comparable as both a competitor and a Momentum partnership placement option used by Stability.
- Discovery Holdings: Parent ecosystem of Stability's core product set. Comparable as an integrated insurer offering Discovery Life, Health and Insure with the Vitality behavioural platform, increasingly selling direct to consumers alongside its juristic representatives like Stability.
- Old Mutual South Africa: Largest broad-based life and short-term insurance and wealth group in South Africa. Highly comparable to Stability as a multi-line distributor of life, health, short-term and investment products to individuals and businesses through tied and independent advisors.
- Sanlam: Major South African financial services group offering life insurance, health, investment and short-term cover through intermediaries and direct channels. Directly comparable as a multi-product, advisor-led insurance distributor competing for the same individual and SMB clients.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks5 records
Key highlights5 records
Customer concentration
Stability ZA social profiles
Digital presenceStability ZA financial estimates
Financial estimateRevenue estimate
Valuation estimate
Stability ZA leadership team
Management profileNumber of profiles
Profiles1 record
Stability ZA funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Stability ZA M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Stability ZA
What does Stability ZA do?
Stability Risk and Investments is a financial advisory and insurance brokerage firm authorised under FSP 22543 in South Africa, operating as a juristic representative of Discovery Life Ltd. It distributes short-term insurance (car, home, commercial), medical aid and gap cover, life insurance, and retirement fund solutions through a network of financial product advisors who provide bespoke financial planning via a free three-step consultation process. Revenue is earned through commissions from placing business with multiple insurance carriers including Discovery, Santam, Hollard, Outsurance, Miway, and Momentum.
Is Stability ZA a public or private company?
Stability ZA is a private company. It is classified as unknown and is currently operating.
When was Stability ZA founded?
Stability ZA was founded in -1. It employs 1 to 10 people.
Where is Stability ZA based?
Stability ZA is headquartered in Johannesburg, South Africa, in the Africa region.
How does Stability ZA make money?
One revenue line is on record: insurance Brokerage Commissions.
Who are Stability ZA's main competitors?
Direct peers on record are OUTsurance, MiWay, Santam and Hollard. Emerging players are Alexander Forbes and PSG Wealth. Broad incumbents are Momentum Metropolitan, Discovery Holdings, Old Mutual South Africa and Sanlam.
Does Stability ZA have an API?
No public API is recorded for Stability ZA.
What industry is Stability ZA in?
Stability ZA's product category is Insurance Brokerage and Financial Advisory. Its primary akta.pro industry code is FSAEADAM, Insurance Due Diligence & Transaction Risk Advisory (M&A, W&I). Its NAICS code is 5242 and its SIC code is 6411.