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How many people would be affected if you were unable to work due to an illness or injury?


Do you own your own business? What would happen to your business if you were temporarily unable to work due to an illness or injury? What about the people who work for you? What would happen to them if your business couldn’t survive your absence? And what would happen to their families? An accident or illness that prevents you from being able to work can have serious financial consequences, not just for you, but for your employees and all the many people they support.


Our recent #21Lives campaign story, Braam Kritzinger, owns a Toyota dealership in the small town of Joubertina and employs 47 people. Those 47 people all have families who depend on them, totaling over 300 people. That’s over 300 people that would have lost their livelihoods if Braam didn’t have his FMI policy. 


In 2014, Braam was diagnosed with peripheral neuropathy, a nervous system disease that affects the hands and feet. He lives in constant pain and due to his illness has not been able to wear shoes in 3 years. Thankfully, he took out an FMI policy when he opened his business and is able to take the time off work to focus on his health without affecting the success of his business or the livelihoods of the staff that depend on him.


Twenty years ago, with 3 children to support, Braam was left unemployed after the dealership he worked at as a technician was liquidated. He managed to secure a bank loan to buy the company, rebuilt the failed enterprise, and eventually secured the rights to a Toyota franchise. Last year, his business was voted the best Toyota dealership in the country. He attributes his success to excellent customer service and the close bond he has with all his employees. Described as a hero by his long-time friend and doctor, we got to see first-hand just how inspiring Braam is when we met him during our #21Lives filming.

Watch Braam’s story