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FMI took over and sorted
everything out for me.
It was such a relief!

When one is commission driven and you find yourself in a position not able to
earn money, it is problems, financial problems. FMI stepped in and sorted out
all the necessary doctor's reports and paperwork for me. They were fantastic!

Brian Jacobs, Financial Adviser
Cape Town, Back Operation 2010

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Who can survive for 7 months
without income?
I did thanks to FMI!

I had an allergic reaction to the medication I was on for my heart arrhythmia,
which landed me up in ICU. I had a pacemaker put in which didn't go
smoothly either so all in all I was off work for 7 months! FMI were with me
every step of the way, like a helping hand. They were marvellous!

Chris Gilfillan
Owner of Freaky Fast Foods
Heart Arrhythmia 2010

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FMI literally saved the day.
And my business!

The last thing any person wants on their mind when they are
lying in a hospital bed with a broken back is the thought, will my
company survive this, and even if I do recover, what will this
accident do to my business? This is where FMI stepped in. I just
can't imagine what life would be like now if I hadn't had my
Income Protection cover when I needed it most.

Warren Boettger
Owner of Bakkies for Africa
Back Injury 2010

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I recommend FMI to my
clients because they saved
my business. Twice.

For both my back op and my knee replacement surgery I was incapacitated
and unable to work for six weeks. Had I not had Income Protection this
would have been disastrous. FMI paid me out for the full six weeks, in both
instances, and allowed me to take the time I needed to heal physically.

Steve Tearnan, Certified Financial Planner and owner of
Steve Tearnan Financial Planning Services - Kloof, Durban
Back Operation 2006
Knee Replacement Surgery 2007

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If I didn't have my FMI Income
Protection policy I would probably
have had another heart attack!

I had a heart attack brought on by stress and was unable to work for
a period of time. My claim was paid within a short space of time and
FMI was really there for me when I needed them most.

Dan Dhanasar
ABSA Financial Adviser
Amanzimtoti - Durban
Heart Attack 2009

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I certainly didn't need any
additional stress and FMI asked
no questions, just efficiently
dealt with my claim.

Depression and anxiety caused through work stress building up over time landed
me in hospital and off work for 5 weeks. FMI didn't ask any questions and I didn't
have to do anything more than filling in some forms. I was very pleased.

Gavin Wyngaard
Member of Engineering Sales
Depression & Anxiety

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FMI provided me with an income
when I couldn't earn one myself!

I had to undergo knee replacement surgery and my doctor booked me off work for
6 weeks. FMI pro-actively managed the claim process and paid the money for the
full period into my account. A lot of my clients over the years have had many good
stories to tell when it comes to FMI. They really did meet my expectations!

Gideon Rupping
Financial Adviser and owner of
Rupping Financial Services
Knee Replacement

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FMI was the only income
protection policy that
offered a maternity benefit.

Kerry-Lee Galliard
Speech and Language Therapist
Maternity Benefit 2010

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I really don't know
what I would have
done without FMI.

Sebolelo Mapoti
ABSA Financial Adviser
Maternity Benefit 2010

Privacy

Conflict of Interest Policy

Please click here for the FMI Conflict of Interest Management Policy.

Privacy Policy

We respect your privacy and are committed to protecting the personal information that you share with us. Generally, you can browse through our website without giving us any information about yourself. When we do need your personal information to provide services that you request or when you choose to provide us with your personal information, this policy describes how we collect and use that information.

Information collection

Personal information means any information that may be used to identify an individual, including, but not limited to, a first and last name, e-mail address, a home, postal or other physical address, other contact information, title, birth date, gender, occupation, industry, personal interests, and other information needed to provide a service you requested.

When you browse our website, you do so anonymously, unless you have previously indicated that you wish us to remember your login and password. We do not automatically collect personal information, including your e-mail address. We do log your IP address (the Internet address of your computer) to give us an idea of which part of our website you visit and how long you spend there. We do not, however, link your IP address to any personal information unless you have logged in to our website. Like many other commercial websites, the FMI website may use a standard technology called a "cookie" to collect information about how you use the site. Please go to "Cookies and tracking technology" below for more information.

We collect personal information when you register with us for a FMI membership account, when you use certain FMI services, when you register to attend a seminar or participate in an online survey, when you ask to be included in an e-mail or other mailing list, or you submit an entry for a competition or other promotions, or when you submit your personal information to us for any other reason. From time to time, we receive personal information from business partners and vendors. We only uses such information if it has been collected in accordance with acceptable privacy practices consistent with this Policy and applicable laws.

Access to certain FMI web pages requires a login and a password. The use of those web pages, and the information or programs downloadable from those sites, may be governed by a written agreement between your employer and FMI. Unless you request deletion of your personal information as specified below, your personal information may be retained by FMI to verify compliance with the agreement, log software licenses granted, to track software downloaded from those pages, or track usage of other applications available on those pages.

Notice

When personal information is collected, we will inform you of the purpose for the collection at the point of collection. We will not transfer your personal information to third parties without your consent, except under the limited conditions described under the discussion below entitled "Information sharing and disclosure" below.

If you choose to provide us with your personal information, we may only transfer that information within FMI or to FMI’s third-party service providers with your permission. Upon receiving your permission, we may transfer your information across borders and from your country or jurisdiction to other countries or jurisdictions around the world.

We will always give you the opportunity to "opt out" of receiving direct marketing or market research information. This means we assume you have given us your consent to collect and use your information in accordance with this policy unless you take affirmative action to indicate that you do not consent, for instance by clicking or checking the appropriate option or box at the point of collection. In some cases, when applicable, we will provide you with the opportunity to "opt in." This means we will require your affirmative action to indicate your consent before we use your information for purposes other than the purpose for which it was submitted.

Cookies and tracking technology

A cookie is a small data file that certain websites write to your hard drive when you visit them. A cookie file can contain information such as a user ID that the site uses to track the pages you have visited, but the only personal information a cookie can contain is information you supply yourself. A cookie cannot read data off your hard disk or read cookie files created by other sites. Some parts of our website use cookies to track user traffic patterns. We do this in order to determine the usefulness of our website information to our users and to see how effective our navigational structure is in helping users reach that information.

If you prefer not to receive cookies while browsing our website, you can set your browser to warn you before accepting cookies and refuse the cookie when your browser alerts you of its presence. You can also refuse all cookies by turning them off in your browser, although you may not be able to take full advantage of our website if you do so. In particular, you may be required to accept cookies in order to complete certain actions on our website. However, you do not need to have cookies turned on to use/navigate through many parts of our website, except where access to certain of our web pages may require a user login and password.

How we use information collected

We use information for several general purposes: to fulfil your requests for certain products and services, to personalise your experience on our website, to keep you up to date on the latest product announcements, updates, special offers or other information we think you would like to hear about either from us or from our business partners, and to better understand your needs and provide you with better services. We may also use your information to send you, or to have our business partners send you, direct marketing information or contact you for market research.

Information sharing and disclosure

Because we offer internationally based products, your personal information may be shared with other business partners or subsidiaries anywhere in the world. All such entities are governed by this privacy policy or are bound by the appropriate confidentiality and data transfer agreements.

Your personal information is never shared outside FMI without your permission, except under conditions explained below. Inside FMI, data is stored in controlled servers with limited access. Through rigorously designed business rules, only a few of our authorised personnel (e.g. system operators and business analysts) have access to this information, and then in predetermined circumstances. Your information may be stored and processed in South Africa or any other country where we, our subsidiaries, affiliates or agents are located.

We may send your personal information to other companies or people under any of the following circumstances: we have your consent to share the information; we need to share your information to provide the product or service you have requested; we need to send the information to companies who work on our behalf to provide a product or service to you (we will provide those companies only the information they need to deliver the service, and they are prohibited from using that information for any other purpose); or we want to keep you up to date on the latest announcements, updates, special offers or other information we think you would like to hear about either from us or from our business partners (unless you have opted out of these types of communications). We will also disclose your personal information if required to do so by law, to enforce our terms of use, or in urgent circumstances, to protect personal safety, the public or our websites.

Children and privacy

Our websites do not target and are not intended to attract children under the age of 18. We do not knowingly solicit personal information from children under the age of 18 or send them requests for personal information.

Third-party Sites

Our website may contain links to other sites. We do not share your personal information with those websites and are not responsible for their privacy practices nor do we have any control over their collection of personal data. We encourage you to find out about the privacy policies of those companies.

Some of these third-party sites may be co-branded with a FMI logo, even though they are not operated or maintained by us. Although we choose our business partners carefully, we are not responsible for the privacy practices of websites operated by third parties that are linked to our site. Once you have left our website, you should check the applicable privacy policy of the third-party website to determine how they will handle information they collect from you.

Changes to this Privacy Policy

We will amend this policy from time to time. If we make any substantial changes in the way we use your personal information we will make that information available by posting a notice on this site.

No warranties or representations

We do not warrant that the site or online services will be error-free or will meet any particular criteria of accuracy, completeness or reliability of information, performance or quality. We expressly disclaim all implied warranties, including, without limitation, warranties of merchantability, title, fitness for a particular purpose, year 2000-compliance, non-infringement, compatibility, security and accuracy.

Questions or suggestions

If you have questions or concerns about our collection, use, or disclosure of your personal information, please e-mail us at marketing@fmi.co.za.