Faq
Faq
General Questions
The big-picture questions clients ask before they even book a consultation. If you are wondering whether we are the right fit, start here.
Most advisors sell products. We build financial fortresses. We specialise exclusively in Discovery and operate under 1.618, giving you deeper expertise, full compliance, and a relationship that lasts years, not a single transaction. You will never be overinsured or underinsured with us.
1.618 is the professional framework, regulatory compliance, and operational support behind KFF. They ensure every recommendation meets the highest industry standards with full licensing, accountability, and oversight. This allows us to focus entirely on you and your financial fortress while knowing the backend is handled professionally.
Discovery offers the most integrated, wellness-driven, and client-focused product suite in the market, Health, Life, Vitality, Insurance, and Bank all working together. By specialising exclusively in Discovery, we master every product, maximise your benefits, and ensure seamless coordination across your entire financial life. Generalists spread thin. We stay deep.
Individuals, families, and business owners who value structure, protection, and long term thinking. If you want a strategic partner and not just a policy seller, KFF is for you. We work with young professionals, parents, retirees, and entrepreneurs alike.
Yes. KFF operates under 1.618, which holds all necessary regulatory licenses and compliance frameworks. Every recommendation is fully compliant with South African financial services regulations.
Our founder has been working with 1.618 for over 11 years and has deep first hand experience with Discovery products dating back to childhood. That personal and professional history shapes every recommendation we make.
Faq
Financial Planning & Protection
Practical answers about how much cover you actually need, what happens when life changes, and whether you are protected the right way
Most people are one or the other. They pay too much for gaps in cover. We do a full gap analysis comparing your current policies against your actual needs including income, debt, dependents, lifestyle, and future goals. The result is a plan that fits precisely with no waste and no exposure.
Your financial fortress evolves with you. That is why ongoing reviews are built into how we work, not an extra charge. When life changes, we review and adjust your cover accordingly. You are never locked into a plan that no longer fits.
Yes, and it is actually cheaper now. Life insurance is not about you. It is about the people who depend on you. If you have debt, a partner, children, or aging parents, the right cover ensures they are protected if something happens. Waiting costs more and risks being uninsurable later.
A hospital plan covers in hospital events only. This includes surgeries, emergencies, and specialist fees while admitted. Medical aid adds day to day cover like GP visits, dentistry, optometry, and chronic medication. We help you choose based on your health needs, budget, and risk tolerance.
A common rule is 8 to 10 times your annual income, but the right answer depends on your debt, dependents, and lifestyle goals. We calculate your exact number, not a guess, so your family stays secure without you overpaying.
Yes. Being overinsured means paying for cover you will never reasonably use. We see it often with unnecessary add ons, duplicate policies, or cover amounts far beyond realistic need. Our job is to strip that away so every rand you spend actually protects something meaningful.
Faq
Discovery Products
Specific questions about Discovery Health, Life, Vitality, Insurance, and Bank. How they work together inside your financial fortress.
Vitality rewards you for healthy behaviours like exercising, eating well, and getting screened. Those rewards lower your costs across Discovery products. You get cheaper life insurance, reduced fuel at BP, discounted flights, and even lower bank fees. It is built into your financial fortress automatically.
Yes. Many clients keep their existing bank while using Discovery Bank for specific benefits, especially the Vitality Money rewards that lower insurance and fuel costs. We can help you structure it for maximum benefit without disruption.
Yes, and it rewards you for it. Discovery Insurance uses a telematics device or app to track driving behaviour. Safe drivers pay less. It is one of the few short term insurers that actively lowers your premium for good habits.
Discovery Health has one of the largest hospital networks in South Africa. Most private hospitals are covered, but we always check your preferred doctors and facilities before recommending a specific plan to avoid surprises.
Discovery Life pays out a lump sum or ongoing income if you are diagnosed with a covered severe illness like cancer, heart attack, or stroke. The amount depends on your plan and the severity of the condition. We help you structure this so your family is not financially devastated by a health crisis.
Yes. Discovery Life allows you to include child cover that pays out if your child passes away or is diagnosed with a severe illness. It is an affordable addition that many parents choose for peace of mind.
Ready to Build Your Financial Fortress?
Whether you’re starting from scratch, reviewing existing cover, or planning for a major life change, we’re here to bring clarity and structure to your financial world.