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Employee Benefits

Our team of experienced and highly skilled consultants have the legal and technical knowledge to provide all the necessary assistance to employer groups and employees, on all aspects of retirement fund and healthcare benefit design.

We are completely independent with no links to Administrators, Insurers, or Asset Managers. This enables us to provide honest and impartial advice that is in the best interests of our clients.

In a constantly changing regulatory environment, we pride ourselves on keeping abreast of the impact industry developments may have on the fund and its members.

At Bay Union we believe strongly that if you partner with us and allow us to work with you, you’ll have the most cost effective retirement fund and group risk solution. You will also create a stronger organisational culture where employees are helped to plan their future, so that they don’t need to “retire at their desks”. Everyone wins.

Our services include :


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Group Insurance
  • An analysis of Group Risk needs including Death, Disability, Dread Disease and Funeral Costs.
  • Fund compliance and governance.
  • Mergers and Acquisitions.
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Healthcare Plans
  • Member education and communication.
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Group Retirement Savings
  • The Design and implementation of retirement fund and medical aid solutions.
  • Advice on appropriate investment strategies and portfolios.
  • Personal financial planning.

No employer can protect or prevent employees from experiencing unforeseen personal hardships such as death, disability, dread disease and funeral costs. 

However, providing a financial cushion when unfortunate events occur demonstrates an employer cares for its employees and their families


Nqobile’s mother worked at House of St Augustine before she passed, and her money was invested by Bay Union. Nqobile has used the money to pay for her studies and has graduated. We’re so proud!

I’m very grateful and thankful for everything that you have done for me after my mom died. It really means alot to me you are such a wonderful and kind Angel sent by God.” 

Nqobile Hlengwa

Bay Union staff are always friendly, well informed and ready to assist with our retirement and medical needs.

Anton Williams, DEMS


DFM would like to thank Bay Union Financial Services for their impeccable service and reliability over the many years that you have served us. The reputation of your organisation is fortified by the quality of its people and their outstanding industry knowledge, the responsiveness to our requirements and their ability to provide innovative and decisive solutions for our needs. It is extremely reassuring to be able to trust that our financial interests are well secured while we get on with dealing with the many other challenges that business present us on daily basis.

Neeran Balgobind, Dynamic Fibre Moulding (Pty) Ltd


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