Healthcare, benefits, short-term cover, and payroll – handled by specialists who know each field inside out.

Medical Scheme Advisory · Primary Healthcare · GAP Cover · Health Actuarial Services

Group Life Cover · Disability & Income Protection · Group Risk Benefit Structuring

Personal Insurance · Commercial Insurance · Liability and Indemnity Insurance

Retirement Fund Advisory · Investment Consulting · Fund Governance Support

Monthly Payroll Processing · EMP501 & IRP5 Submissions · Statutory Compliance

Employee Wellness Programmes · Health Screenings · Financial Wellness Support
Every policy starts with a conversation. We take the time to understand what you need, then find the right way to protect it.
Choosing the right cover shouldn’t feel like guesswork. Here’s what working with 4D actually looks like, service by service.