Cover for your loan
- Credit-life cover enquiries
- Cover linked to a new or existing loan
- Costs and exclusions disclosed before you decide
Cover · enquiry pathways
Cover for what matters most, guided by professional advice.
FAIS-authorised guidance on funeral, credit-life and related cover. We assess your needs and route your enquiry to a suitable underwriter.
Welcome to Ndzinga Capital
Your FAIS-authorised cover enquiry partner
At Ndzinga Capital, we help you explore cover that protects what matters most. We discuss your options, run a suitability assessment under the FAIS framework, and route your enquiry to a suitable underwriter. The cover itself is provided by the underwriter under its own product terms.
Our services
Cover enquiry pathways
We are a FAIS-authorised intermediary. We help you enquire about cover, assess suitability, and connect you with an underwriter who issues and prices the policy.
Cover for your family
- Funeral cover pathways
- Cover to help with final expenses
- Plain-language explanation of what is and isn't covered
How an enquiry works
- Advisor suitability assessment under FAIS
- Cover provided by underwriters, on their terms
- No obligation at the enquiry stage
Why Ndzinga
Why Choose Ndzinga Capital?
Professional and personalized service
Cover options matched to your needs
Dedicated client support
Trusted financial guidance
Advisor support, including claims guidance
Authorised Financial Services Provider (FSP 55648)
Our Mission
To provide professional financial and cover-enquiry solutions that protect and empower our clients while building long-term relationships based on trust, integrity, and service excellence.
Cover FAQ
About Ndzinga Capital cover enquiries
Ndzinga Capital is a FAIS-authorised intermediary (FSP 55648) for short-term and credit-life cover enquiries. Cover itself is provided by underwriters under their own product terms; Ndzinga's role is to discuss options, run a suitability assessment and route enquiries to the right advisor.
What is the Ndzinga Capital cover enquiry pathway?
A FAIS-authorised intermediary pathway for clients to enquire about short-term cover and credit-life cover paths. Ndzinga discusses options, captures the relevant disclosure and routes the enquiry to a suitable advisor — cover itself is provided by underwriters under their own product terms.
What kinds of cover can I enquire about?
Funeral cover paths, credit-life cover for an existing loan, life cover enquiries and short-term cover enquiries. The exact products available depend on the underwriter, your circumstances and the suitability assessment that follows the initial enquiry.
Who is the cover pathway for?
Individuals, families and South African businesses looking to enquire about cover alongside (or independently of) credit. The intent is to keep cover and lending under one client relationship so disclosures, documents and advisor contacts are not fragmented.
How does an enquiry become a policy?
An enquiry routes to an advisor who runs a suitability assessment under the FAIS framework. If a product matches your needs, the advisor explains the disclosures, costs and exclusions, and you make an informed decision. A policy is only issued under the underwriter's own application and acceptance process.
What regulatory framework applies?
Ndzinga Capital acts as an authorised Financial Services Provider under the Financial Advisory and Intermediary Services Act (FAIS), FSP 55648. The FAIS General Code of Conduct sets out the intermediary's obligations on suitability and conflict-of-interest disclosure. Complaints follow the FAIS escalation route, with onward referral to the FAIS Ombud where required.