What are the opening hours?

Monday 08:00 - 16:15 Tuesday 08:00 - 16:15 Wednesday 08:00 - 16:15 Thursday 08:00 - 16:15 Friday 08:00 - 16:00

Proper Group

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Financial Advisory Services, Medical Aid and Gap Cover, Short Term Insurance, Health Insurance, Employee Benefits

Services offered by Proper Group include advisory and intermediary services in Healthcare, Pension/Provident Fund, Financial planning, Medical Aid, Gap Cover and related services.

29/09/2026

One heart. One life. Many reasons to protect it.

On World Heart Day, take a moment to consider the everyday choices that influence cardiovascular health—from movement and nutrition to stress management, health screenings and taking prescribed medication correctly.

Knowing your medical aid’s screening, chronic-care and hospital benefits can make it easier to access appropriate care when needed.

For independent medical aid, gap cover and healthcare guidance, visit [www.propergroup.co.za](http://www.propergroup.co.za) or call 031 502 3329.

28/09/2026

Waiting for the perfect income or perfect time to invest can quietly become an expensive decision.

Long-term investing is influenced by time, consistency and the potential effect of compound growth. A manageable monthly contribution can be a meaningful starting point when aligned with your goals, timeframe and risk profile.

What is holding you back from starting: income, fear or uncertainty?

Explore long-term investment planning with Proper Group.

Visit www.propergroup.co.za

Investment values may rise or fall, and returns are not guaranteed.

25/09/2026

You do not need to rebuild your entire financial life this spring. You need one clear and achievable next step.

Review your debt, savings, investments, insurance and responsibilities. Then select one priority for the next 90 days, whether that means reducing debt, building an emergency fund or beginning an investment plan.

What is your financial priority for spring?

Start your financial reset with independent, objective guidance.

Visit www.propergroup.co.za

24/09/2026

Our heritage shapes who we are, the values we carry and the future we build together. 🇿🇦

This Heritage Day, Proper Group celebrates South Africa’s rich cultures, shared strength and spirit of unity.

May we continue building healthier lives, stronger communities and lasting prosperity for generations to come.

🌐 [www.propergroup.co.za](http://www.propergroup.co.za)
📞 031 502 3329

21/09/2026

A healthy bank balance can feel reassuring, but it does not tell the complete story.

Financial preparedness also considers how your household would cope if your income stopped, whether your investments still match your goals and whether your life, disability and severe illness cover remain suitable.

Which of these questions made you stop and think?

Book a personalised financial planning consultation with Proper Group.

Visit www.propergroup.co.za

18/09/2026

The lowest insurance premium does not always provide the best value.

Before choosing or renewing a policy, look beyond the monthly cost. Consider the excess, exclusions, insured value, benefits and claims process. The real value of insurance becomes clear when you need to use it.

When last did you check what your policy actually covers?

Compare your personal short-term insurance options with Proper Group.

Visit www.propergroup.co.za

14/09/2026

Receiving an account after your medical aid has paid can be confusing and financially stressful.

Healthcare providers may charge above the medical scheme tariff, while co-payments, deductibles and procedure sub-limits may create additional shortfalls. Medical aid and gap cover have different roles, which is why understanding both is important.

Do you know what your current healthcare cover may leave unpaid?

Speak to Proper Group about medical aid and gap cover suited to your circumstances.

Visit www.propergroup.co.za

Terms, conditions, waiting periods, exclusions and benefit limits apply.

11/09/2026

Unexpected expenses are part of life, but they do not always have to become long-term debt.

An emergency fund can provide a financial buffer when faced with urgent vehicle repairs, medical costs or household expenses. You do not need to build it overnight. Start with an amount you can maintain and contribute consistently.

Which unexpected expense has caught you off guard before?

Start building a financial plan designed for real life.

Visit www.propergroup.co.za

08/09/2026

Spring cleaning can include your finances too.

Review your debit orders, subscriptions, duplicate cover and services you no longer use. Redirecting even a small recurring expense towards debt, emergency savings or investments can support a more meaningful goal.

Which debit order have you been meaning to cancel?

Give your finances a proper spring review.

Visit www.propergroup.co.za

07/09/2026

A salary increase can improve your lifestyle, but it can also strengthen your future.

Before every extra rand becomes another monthly commitment, consider directing a portion towards emergency savings, investments, retirement contributions or reducing debt. You can enjoy your progress while still protecting what comes next.

When your income increases, what gets upgraded first?

Review your financial priorities with an independent financial planner.

Visit www.propergroup.co.za

Address

6 Pencarrow Crescent, La Lucia Ridge Office Estate, Armstrong Avenue, Umhlanga
Umhlanga Rocks
4019

Opening Hours

Monday	08:00 - 16:15
Tuesday	08:00 - 16:15
Wednesday	08:00 - 16:15
Thursday	08:00 - 16:15
Friday	08:00 - 16:00

Telephone

+27315023329

Website

http://www.propergroup.co.za/

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