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Why every woman needs legal support

South African women are increasingly occupying leadership roles, launching careers, and reshaping the future of work. Yet, behind this progress lies a pressing truth: without clear legal knowledge or professional support, many women remain vulnerable to blind spots that can derail careers, affect financial standing, and compromise emotional wellbeing.

Prea Naidoo, Operations Executive at Clientèle Legal, paints this picture vividly: “Women are spending more time in the workplace and while doing so, face unique challenges, from harassment to maternity and family responsibility issues. But, while robust workplace policies guide how things should be done, leaving no room for doubt, not all employers have clear processes to protect their female employees’ rights.”

Clientèle Legal’s FY2024/25 data tells a powerful story: among their top four claim types were unfair dismissals and salary disputes, with their highest individual payout sitting at R217,126. “This isn’t legal drama. It’s lived reality for many individuals who lack the tools and knowledge to assert their rights,” says Naidoo.

Workplace policies are more than just add-ons to employment contracts. They’re high-stakes rulebooks that need to be understood before signing a contract. They define boundaries and provide clarity, which in turn can positively – or negatively – impact all aspects of someone’s wellbeing.

But, asks Naidoo, what happens when those policies are murky or unenforced? Or when issues like menopause and mental health, which are starting to be addressed across the world, start being discussed in South African boardrooms?

The good news is that local legal reforms are slowly catching up. For instance, the Code of Good Practice on Harassment (2022) expanded protection beyond sexual harassment to include unfair treatment, harassment, or discrimination based on someone’s socio-economic background, class, family circumstances, or perceived social status.

Still, policy without implementation can fall flat. Consider a 2021 harassment case where an employer ‘washed its hands’ by delaying disciplinary hearings for six months, allowing the perpetrator to roam freely in the workplace and constituting a failure to protect basic dignity.

These gaps demonstrate the urgency for professional counsel when rights are on the line.

Naidoo urges professionals to first understand, and then advocate, for their rights. Whether a grievance process isn’t treated confidentially, salary negotiations aren’t equitable, or work structures aren’t flexible, the goal is empowerment – not conflict. “The first step is to thoroughly understand an employer’s policies. The second is to make sure you have back-up in the form of accessible, trusted, independent legal counsel,” she says. “Knowledge is the key to holding employers accountable for upholding employees’ rights.”

To help individuals take practical steps towards advocating for their rights, below is a quick-start toolkit

  • Compare your companies policies with industry standards.
  • Keep a record of incidences where policies feel discriminatory (including dates, people involved, and outcomes).
  • Raise issues or gaps through appropriate forums such as HR, staff committees, or with your direct manager.
  • Set your own boundaries and continue to communicate them around unreasonable work expectations.

8 things you probably don’t know about Wills (but really should)

Many South Africans still believe that Wills are only for wealthy people, or are only necessary in certain cultures, but that’s not true. A Will states what you would like to happen when you pass away irrespective of your culture or the value of your assets.

According to 2022 data from the Master of the High Court, less than 15% of South Africans pass away with a valid Will in place.

Karabo Kopeka, Managing Director at Clientèle Legal, says that passing away without securing a Will leaves families vulnerable and legacies uncertain. He explains eight things that everyone should know about having a Will:

  • It protects your children: Your Will states who you want to raise your minor children. Without it, the court decides and may not choose someone who shares your values. When choosing a guardian, it’s important to tell them beforehand, in case they don’t want to take on the responsibility. A Will can also be used to set up a trust, to protect the money you leave to your minor children.
  • It protects your assets: A Will makes sure your belongings, like your house, car, savings, and valuables, go to the people you choose. Without one, the law decides who gets what, which may not match your wishes, and can result in unnecessary family disputes.
  • It’s a teaching opportunity: South Africans can only write a legal Will from the age of 16. But you can still teach your young children the importance of planning by encouraging ‘mini-Wills’, like leaving a favourite toy to a sibling or friend. These aren’t legal, but they show children the value of thinking ahead.
  • You can add a letter of wishes: This isn’t legally binding, but it’s a practical add-on. You can include bank account details, passwords, or even who should care for your pets. Some families also use verbal traditions, which carry weight under customary law.
  • Your executor can get legal guidance: The executor you appoint is responsible for making sure your debts are paid, and your assets go where they should. Your executor can – and should – work with an attorney to do so.
  • There are a few things it doesn’t cover: When it comes to your pension fund and life cover, you need to name beneficiaries in the policies.
  • You can do it now, and when your life changes: Don’t wait until you’re old or sick. A Will is only valid if you understand what you’re signing and, if illness affects your mind, it may be too late. You should update your Will when major life milestones happen, like getting married, divorced, having children, buying a house or losing a loved one.
  • It doesn’t have to cost money: Drawing up a Will doesn’t need to be expensive. Many professionals, including advisers like those at Clientèle Legal, will help you prepare one at an affordable cost.

“It’s also important that people know where to find it. Store it safely with whomever helps you to draw it up, or in a digital safe, but make sure you speak about it with your family, and they know where to find it,” adds Kopeka.

“A valid Will offers true peace of mind,” says Kopeka. “Our goal is to empower every South African to shape their legacy by making expert legal services affordable and accessible.”

Why every woman needs legal support

Your Rights When Balancing Work and Life

Why Every Woman Needs Legal Support

South African women are increasingly occupying leadership roles, launching careers, and reshaping the future of work. Yet, behind this progress lies a pressing truth: without clear legal knowledge or professional support, many women remain vulnerable to blind spots that can derail careers, affect financial standing, and compromise emotional wellbeing.

Prea Naidoo, Operations Executive at Clientèle Legal, paints this picture vividly: “Women are spending more time in the workplace and while doing so, face unique challenges, from harassment to maternity and family responsibility issues. But, while robust workplace policies guide how things should be done, leaving no room for doubt, not all employers have clear processes to protect their female employees’ rights.”

Clientèle Legal’s FY2024/25 data tells a powerful story: among their top four claim types were unfair dismissals and salary disputes, with their highest individual payout sitting at R217,126. “This isn’t legal drama. It’s lived reality for many individuals who lack the tools and knowledge to assert their rights,” says Naidoo.

Workplace policies are more than just add-ons to employment contracts. They’re high-stakes rulebooks that need to be understood before signing a contract. They define boundaries and provide clarity, which in turn can positively – or negatively – impact all aspects of someone’s wellbeing.

But, asks Naidoo, what happens when those policies are murky or unenforced? Or when issues like menopause and mental health, which are starting to be addressed across the world, start being discussed in South African boardrooms?

The good news is that local legal reforms are slowly catching up. For instance, the Code of Good Practice on Harassment (2022) expanded protection beyond sexual harassment to include unfair treatment, harassment, or discrimination based on someone’s socio-economic background, class, family circumstances, or perceived social status.

Still, policy without implementation can fall flat. Consider a 2021 harassment case where an employer ‘washed its hands’ by delaying disciplinary hearings for six months, allowing the perpetrator to roam freely in the workplace and constituting a failure to protect basic dignity.

These gaps demonstrate the urgency for professional counsel when rights are on the line.

Naidoo urges professionals to first understand, and then advocate, for their rights. Whether a grievance process isn’t treated confidentially, salary negotiations aren’t equitable, or work structures aren’t flexible, the goal is empowerment – not conflict. “The first step is to thoroughly understand an employer’s policies. The second is to make sure you have back-up in the form of accessible, trusted, independent legal counsel,” she says. “Knowledge is the key to holding employers accountable for upholding employees’ rights.”

Clear policies for a diverse workforce

Supporting and protecting today’s diverse workforce:
Clear policies are a must-have for SMMEs

A diverse workforce is not just a compliance tick-box; it also has a tangible effect on bottom-line. According to the World Economic Forum, companies with more diverse management teams have 19% higher revenues, a finding they state is especially significant for start-ups and industries where innovation is the key to growth.

Prea Naidoo, Operations Executive at Clientèle Legal, says that the question for South African SMMEs is no longer whether meaningful workforce diversity should be a priority – it is whether their internal policies support and protect this diversity. “It is critical for any SMME to understand the importance of strong policy frameworks to avoid disputes. But more than this, fair, clear, legally compliant policies that align with the evolving needs and trends within today’s workforce will help to ensure that you become more competitive when it comes to attracting and retaining talent. When employees believe that their employer stands behind them, increased job satisfaction and performance are also likely outcomes.”

While corporates and multi-nationals often have established frameworks, SMMEs can find policy-making daunting and push it to the bottom of the to-do list. Naidoo warns that this is a risk: “Think about a family-run business, where a family member is involved in a complaint. How do you deal with it without a process? Such situations can get very messy, really quickly.”

Naidoo provides the framework of the overarching legislation that must be considered:

  • The Labour Relations Act 66 of 1995 (LRA) — outlines best practice for disciplinary codes and procedures and governs grievance procedures.
  • The Basic Conditions of Employment Act 75 of 1997 (BCEA) — the rulebook for working hours, overtime, leave, and remuneration.
  • The Occupational Health and Safety Act 85 of 1993 (OHSA) — places a duty on employers to provide a safe and healthy workplace.
  • The Employment Equity Act 55 of 1998 (EEA) — requires designated employers to have an employment equity plan and measures to prevent unfair discrimination and harassment.
  • The Unemployment Insurance Act 63 of 2001 (UIA) — requires employers to deduct and pay contributions to the Unemployment Insurance Fund (UIF).
  • The Compensation for Occupational Injuries and Diseases Act 130 of 1993 (COIDA) — provides compensation for employees who suffer work-related injuries or diseases.
  • The Protection of Personal Information Act 4 of 2013 (POPIA) — imposes obligations regarding employees’ and applicants’ personal data.

Naidoo advises that, in addition to these requisites, SMMEs should also have clear polices on areas that are continually evolving: maternity and family responsibility leave, sexual harassment, remote and hybrid work, substance abuse, recruitment, reputational protection, and IT and HR procedures.

Local policymaking should also stay in step with what is happening globally, even if the conversations have not yet reached our boardrooms. Guidelines for workplace support during menopause have been published in the UK and Australia, while Vodafone has announced a global menopause commitment across its markets. When it comes to mental health, Japanese companies are legally required to conduct periodic stress evaluations and implement follow-up measures, and Denmark and Sweden have passed regulations that clearly outline employers’ responsibilities for their workforces’ psychosocial safety. There are also generational shifts to take into account, with a Deloitte study showing that 77% of Gen Z respondents considered a company’s diversity and inclusion policies when deciding where to work.

Naidoo emphasises that having policies in place before issues arise helps to prevent disputes before they escalate, thus saving time and legal costs, and freeing leadership teams to focus on their specialist responsibilities rather than firefighting avoidable issues.

“I encourage all SMMEs to audit your workplace policies to assess whether they are fit for a more diverse workforce,” says Naidoo. “You cannot underestimate the power of clarity. If your policies are outdated, unclear, or missing entirely, partner with a legal expert to build or refresh them. You will not only protect your business and your employees, you will create a workplace that is ready for the future, for everyone.”

2025 Group Distribution Awards

On 13 March 2025, Clientèle and 1Life came together at the 2025 Group Distribution Awards, celebrating the outstanding brokers and partners who drive our success. This special evening, set against the breathtaking backdrop of Emoyeni Estate in Johannesburg, was a moment to recognise excellence and embrace the future with renewed commitment.

Since the merger of Clientèle and 1Life in July last year, we have embodied the spirit of Sisonke – coming together. This was a key theme throughout the evening, as brokers from both brands were recognised for their hard work, dedication, and the impact they have on the lives of South Africans. Addressing the audience, Group Distribution Executive Kobus Wentzel reinforced this sentiment, stating, “Tonight, as we honour this exceptional group of entrepreneurs, we are truly taking Sisonke to new heights.”

The event was a true celebration of partnership and success. With 120 guests in attendance, the awards recognised the invaluable role that brokers play in connecting South Africans with solutions that offer peace of mind. At Clientèle, our brokers are more than just representatives – they are trusted advisors.

Clientèle has been a trusted name in the insurance industry for 32 years, providing accessible and straightforward insurance solutions tailored for South Africans. Our commitment to service excellence, combined with the dedication of our brokers, ensures that we continue to make a meaningful difference in our clients’ lives.

As we look ahead, we remain focused on strengthening our partnerships and enhancing the lives of our policyholders. To all our brokers and partners, we extend our heartfelt gratitude. Your dedication, expertise, and unwavering support are what make moments like these possible.

Here’s to another year of success, growth, and empowering South Africans through quality financial services.

Have your will drawn up this wills week with Clientèle Legal.

This Wills Week; 16 – 20 September 2024, Clientèle Legal is here to help you take control of your legacy. Drafting a Will is easy — and as a Clientèle Legal client, you can do this anytime as part of your policy benefits. We are extending this offer to all our loyal Funeral, Health, Savings and Perks clients. All our loyal clients can draft their Will for FREE,** do the right thing! By having your Will drawn up with Clientèle Legal, you can ensure your estate is handled according to your wishes, avoiding the risks of intestate succession. This simple step protects your family’s financial future and helps prevent potential conflicts and delays. ​​​

Life is unpredictable, and while South African law provides a framework for distributing estates without a Will, this process can lead to complications and unintended consequences for your loved ones. According to an article on News24, less than 15% of South Africans die with a valid Will,* which means nearly 75% of South Africans pass away without a valid Will in place, leaving many families to navigate these challenges during an already difficult time. ​​​

Safeguard your legacy and draw up your Will today!

Some tips for drawing up a Will:

1. KEEP IT SIMPLE
Before you start, make a list of your beneficiaries (the people who will receive money or assets) and make a list of everything you want to leave behind. Think about it carefully. Then, collect all the paperwork that might apply, for instance Title Deeds of a house, car ownership papers or insurance policies. Keep it all in one place for simple reference.

2. KEEP IT SPECIFIC
Be as clear as possible when drafting a Will and be very specific about each item on it. Be detailed about each item or amount of money. Leave instructions on where the Will is kept and how people might have access to it. The clearer you are, the less likely that your family or loved ones will be confused or become involved in a fight about your legacy.

3. MAKE IT OFFICIAL
In order for a Will to be valid, it has to be in writing and signed by you and two witnesses. Keep a copy for yourself and inform the executor (person appointed to deal with your estate) of where they can access a copy. Make sure all your personal details are on the Will, as well as copies of your Identity Document. This will help the executor and your loved ones so they don’t have to search for it when the time comes.

Download our Free Will Self Help Guide and Will Template.

*Source: News24, 2024
** Terms and Conditions Apply

Please note that this Will is a standard, non-personalised, template that you choose to make use of at your own risk. It is therefore necessary to consult an attorney based on your specific needs. The information available herein is for your personal and non-commercial use only and may not be published, distributed, transmitted nor displayed to third parties without prior written consent from Clientèle General Insurance Limited, an authorised financial services provider and licensed non-life insurer: FSP 34655.
Neither Clientèle General Insurance Limited nor any of its associates shall be held responsible and/or liable for any damages and/or loss sustained, directly or indirectly, by any beneficiary and/or other persons as a result of a Will being invalid or incorrectly drafted by a member of the public, after having consulted this website. Statements or other content in this document must not be construed as advice from Clientèle General to be acted on.

Clientèle Investment SCAM ALERT

It has come to our attention that a syndicate, posing as Clientèle executive employees / authorised representatives, is active on several social media platforms (including Facebook, LinkedIn, WhatsApp and Telegram) and deceiving unknowing customers into investing in phony investment schemes which are purportedly underwritten by Clientèle.

Please note that Clientèle would never send unsolicited communication to customers via social media platforms promoting investment products or opportunities, and no executive employee(s) of Clientèle would ever contact a customer via social media for the sale of investment products or opportunities.

Consumers are accordingly urged to exercise extreme caution before responding to any unsolicited “investment opportunities” being promoted via social media platforms by persons posing to act on behalf of Clientèle and advised, in such case, to contact Clientèles’ customer care centre directly at: (011) 320 3000 or services@clientele.co.za to confirm the authenticity of any relevant communication before responding thereto.

Clientèle Limited is a licensed controlling company of the Clientèle Insurance Group, and both Clientèle Life Assurance Company Limited and Clientèle General Insurance Limited are licensed insurers and authorised Financial Services Providers.

General warning signs of social media investment scams:

  • Promises of a very high return on investment with no risk – e.g. double your investment in a very short period of time.
  • Urgency to invest money.
  • Professional looking investment websites with little or no information about the company.
  • If it seems too good to be true, then it probably is.

What to do when you are contacted by unknown persons regarding “investment opportunities”:

  • Take your time and do thorough research before “investing” any funds.
  • Don’t share your personal information with a third party until you have verified whether the alleged “investment” is legitimate or not.
  • Don’t pay money to anyone who contacted you directly over social media platforms before verifying the source, individual or company.

Clientèle announced industry leader for service

Clientèle has been announced as one of the Top 3 Insurers in the Ask Afrika Orange Index awards for 2022. The independent index is a leading measure of customer service experience in South Africa. Other companies measured in the industry included Old Mutual, Hollard and Discovery. In 2013 Clientèle also achieved a top 3 position and ranked first. A total of 19,986 South Africans were interviewed during May to July 2021 to establish which companies provide the best customer experience in South Africa.

“It is a significant achievement for our brand,” says Basil Reekie, Managing Director of Clientèle Limited. “Customer service levels in South Africa have been challenged by a changing financial landscape. Citizens live in a constantly changing society on a macro- and micro-level and as a result, they experienced lack of trust, fear of the unknown and loneliness on higher levels during Covid Lockdown. It was therefore imperative that we sharpen up our service levels and show a better delivery in terms of the service and emotional components. This nomination is a welcome sign that we are on the right track,” he said. “We have been the name you trust for 30 years and intend to stay that way for the next 30.”

Clientèle recently won Gold and Silver in the City Press Reader’s Choice awards. In the past decade, the company has been recognised by the Ombudsman for its efforts in dispute resolution, as well as achieved top honours in the CCMG (Contact Centre Management Group) Awards. It has also consistently shown high returns for its shareholders, regularly ranking Top 20 the Financial Mail Top Company Report.

Clientèle announced industry leader for service

Clientèle has been announced as one of the Top 3 Insurers in the Ask Afrika Orange Index awards for 2022. The independent index is a leading measure of customer service experience in South Africa. Other companies measured in the industry included Old Mutual, Hollard and Discovery. In 2013 Clientèle also achieved a top 3 position and ranked first. A total of 19,986 South Africans were interviewed during May to July 2021 to establish which companies provide the best customer experience in South Africa.

“It is a significant achievement for our brand,” says Basil Reekie, Managing Director of Clientèle Limited. “Customer service levels in South Africa have been challenged by a changing financial landscape. Citizens live in a constantly changing society on a macro- and micro-level and as a result, they experienced lack of trust, fear of the unknown and loneliness on higher levels during Covid Lockdown. It was therefore imperative that we sharpen up our service levels and show a better delivery in terms of the service and emotional components. This nomination is a welcome sign that we are on the right track,” he said. “We have been the name you trust for 30 years and intend to stay that way for the next 30.”

Clientèle recently won Gold and Silver in the City Press Reader’s Choice awards. In the past decade, the company has been recognised by the Ombudsman for its efforts in dispute resolution, as well as achieved top honours in the CCMG (Contact Centre Management Group) Awards. It has also consistently shown high returns for its shareholders, regularly ranking Top 20 the Financial Mail Top Company Report.

Clientèle Legal supports Wills Week!

Did you know that most South Africans do not have a Will because they think it is expensive and complicated? Recent statistics showed that nearly 75% of South Africans do not have a valid Will even though 98% of people believe it is the right thing to do*.

Clientèle Legal supports National Wills Week this year by offering free Wills to all Clientѐle Life clients. Our professional legal team will ensure your legacy is taken care of with a personalised and confidential Will document. Clientѐle Life clients who want to make use of this free offer, can email their details to wills@clientele.co.za and our dedicated team will contact you back.

Some tips for drawing up a Will:

  1. Keep it simple
    Before you start, make a list of your beneficiaries (the people who will receive money or assets) and make a list of everything you want to leave behind. Think about it carefully. Then, collect all the paperwork that might apply, for instance Title Deeds of a house, car ownership papers or insurance policies. Keep it all in one place for simple reference.
  2. Keep it specific
    Be as clear as possible when drafting a Will and be very specific about each item on it. Be detailed about each item or amount of money. Leave instructions on where the Will is kept and how people might have access to it. The more clear you are, the less likely that your family or loved ones will be confused or become involved in a fight about your legacy.
  3. Make it official
    In order for a Will to be valid, it has to be in writing and signed by you and two witnesses. Keep a copy for yourself and inform the executor (person appointed to deal with your estate) of where they can access a copy. Make sure all your personal details are on the Will, as well as copies of your Identity Document. This will help the executor and your loved ones so they don’t have to search for it when the time comes.

#clientelelegal #clientelelife #freewill #willsweek

Download our Free Will Self Help Guide and Will Template

(*Source: FA News, 2022)

Please note that this Will is a standard, non-personalised, template that you choose to make use of at your own risk. It is therefore necessary to consult an attorney based on your specific needs. The information available herein is for your personal and non-commercial use only and may not be published, distributed, transmitted nor displayed to third parties without prior written consent from Clientèle General Insurance Limited, an authorised financial services provider and licensed non-life insurer: FSP 34655.
Neither Clientèle General Insurance Limited nor any of its associates shall be held responsible and/or liable for any damages and/or loss sustained, directly or indirectly, by any beneficiary and/or other persons as a result of a Will being invalid or incorrectly drafted by a member of the public, after having consulted this website. Statements or other content in this document must not be construed as advice from Clientèle General to be acted on.