Sanlam Short-Term Insurance Adviser
Francois Harmse
About me
I am a Sanlam Short-Term Insurance Adviser and Principal at Rebus STI BlueStar in George. Together with my team, we provide our clients with a greater depth of knowledge, servicing all insurance needs and requirements. I invite you to experience the way we help you plan for your financial future.
Recent awards
Awards
Sanlam Iron Eagle
Recognizes emerging excellence. This award is presented to advisers who demonstrate strong foundational performance and a clear commitment to client value and long-term success.
PRODUCTS AND SERVICES
What we offer
Severe Illness Cover
Helps cover the unexpected costs of a dread disease, leaving you to focus on your health.
TOOLS & CALCULATORS
Explore resources to help you connect with a financial adviser.
CAMPAIGNS
Discover more
BLOGS
Latest insights from our blogs.
Insurance
Can you trust AI-powered health tools with your health?
AI-powered health tools offer valuable insights into your wellbeing, but healthcare experts stress the importance of combining technology with professional advice.
Insurance
Navigating cancer in the workplace: what to do and how to provide support
A cancer diagnosis can affect more than your health. It can impact your work, finances, and daily routine. Discover practical guidance for navigating the workplace with confidence while managing treatment, recovery, and wellbeing.
Insurance
Secure your future with risk cover
Protect your family’s future with life, disability, and critical illness cover designed to provide financial security when it matters most.
Fiduciary Services
Dads, secure your legacy with a will
A valid will helps ensure your wishes are followed, loved ones are protected, and assets are distributed clearly. Take ownership of your estate planning today.
Fiduciary Services
This Youth Month - Plan carefully for your child’s inheritance
Thoughtful estate decisions help protect children, manage taxes, and avoid future disputes. Set clear intentions and structure wealth transfers with care. Take control now.
Short Term Insurance
Times are tough – but culling your insurance won’t help you save in the long run
Short-term savings can create long-term risk. Explore how the right mix of cover supports financial stability, cash flow, and future goals. Review your cover.
Insurance
Do I Need Income Protection Insurance? Let’s break it down
Do I need income protection insurance? Get clear on risks, income gaps, and how to keep your finances stable if illness or injury affects your earnings—secure peace of mind.
Insurance
How much life cover is enough?
Understand how income replacement, future needs and debt affect the right level of life cover to protect your loved ones and secure their financial future.
Insurance
Heart health risks for under-45s
Heart disease isn’t just an older adult’s concern. Younger South Africans face rising cardiovascular risks, worsened by stress, poor sleep, and mental health challenges. Protect your health and income with holistic Sanlam solutions.
Insurance
Empower yourself with the right life cover
Protecting your family’s financial future starts with the right life cover. Review your needs, adapt to changes, and seek guidance from a financial adviser to make informed decisions that provide security and peace of mind.
Fiduciary Services
Life partners need to ensure they have a will in place
Life partners aren’t protected by intestate succession. This blog explains why having a valid will and clear agreements is essential to protect each other’s assets, wishes, and financial security if one partner passes away.