Rating based on 92 reviews

Policy Trader

  • Get cash fast
  • Trade in policies
  • Apply online

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Author Policy Trader. Screenshot of Policy Trader website.
[Accessed January 30, 2023]

Policy Trader - Get cash for your policies

Policy Trader is a service provider to Independent Financial Advisors and other related networks.

For a quick and accurate policy evaluation, they provide you with quick online access to some of South Africa’s largest insurance providers. They have a long-standing relationship with Life Offices and Independent Financial Advisors.

You'll get instant assistance

They can provide you with instant assistance should you need money urgently and they can find ways to cash in your policy if it's older than five years.

Some of their clients’ policies have gained so much value, that they're like mini gold mines, but unfortunately, they do not have any access to them. When you really need instant cash, you get restricted when getting compensation.

Free services for you

They offer you free services and you're kept informed by a free monetary counsellor, working with the largest banks in South Africa such as ABSA.

By offering you a monetary payout which requires no reimbursements or any added charges like in the case of long or short-term loans, they're constantly ensuring that you get what you qualify for.

They're experts at what they do

They strive to provide an administration that is highly competitive in the market. Policy trader does this in order to guarantee that you receive a superbly driven administration, that addresses all your issues. All their administrations are straightforward and processed online.

They'll do all the talking for you and process your cash through their innovative technology, with speed and quality-driven services.

They have a unique service

Their mark is made in the financial industry by providing you with services that are unique in the market.

They understand that when you really desperately need money, you need it immediately. That's why they provide you with quick and secure services to obtain a personal loan as soon as possible.

Why should you choose them as your financial partner?

The web is full of lenders who're providing payday cash loans as well as personal loans at different rates. When you have a policy that might be worth a decent amount of money, you can find yourself restricted when you choose to cash out due to the regulations of that policy. But, they can help you with that.

Get your cash immediately

If you need money that's owed to you, you no longer need to wait until the maturity date of your policy. The money that you contributed over the years can come in handy if you happen to land in a financial crisis. They offer you the choices, the funds and speedy services.

They have all the essential skills

With regards to your policies, they're able to cash in your policies and provide you with the money that you've earned, due to their partner leverage in the financial industry.

That's why they provide efficient administration and fast services to those whose hands are tied. They assist to process the buyouts of various policy arrangements, such as long-term policies, provident funds and more.

If you're unsure whether your policy qualifies, you can call them and they'll provide you with a free and no-obligation evaluation of the policy that you choose to cash in. You can expect feedback on what your policy is worth should you choose to make use of their services.

Policy Trader – Short-term loan

  • Loan Type Short-term loans

Benefits of Policy Trader

  • Policies for cash
  • Quick and easy application

Short-term loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This short-term loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Policy Trader - They have a unique approach to finance

Their main game is to offer an exchange of your policies for cash, but also offer personal and short-term loans for other lump-sum cash requirements.

Policy trader exchanges your policies for cash

They exchange your policies for cash and are there to help you if you have any policy restrictions. As security, they provide you with cash against their policies.

When in desperate need of a short-term loan, they give you access to the funds through viable policies that are over a certain age of maturity. They're aware of how unforgiving life can be and how it comes with hurdles along the path of your financial road, especially when you're restricted and sometimes have no resources when funds are most needed.

They're a trusted financial partner.

Everyone needs a trusted partner who can help them to access money when they need it. Policy Trader provides a service which is easy to use and that'll allow you to obtain the money that you have paid for your policies.

Swopping your policies is as easy as it gets! All you have to do is follow their easy-to-use application process online, and they'll aid you in getting back on your feet with better cash flow.

How does the process work?

You will need to complete their online loan application, and they'll calculate your policy in regard to the maturity and cash amount.

  • They'll determine whether your policy falls in line with the qualifications of payout.
  • You will be obligated to sign a consent form that allows them to take over your policy.
  • You will receive an offer from them to sell your policy to them, in order to get your cash back.
  • Once you've received an offer, it's valid for only 7 days.

If you're happy with the amount they're offering you, you can sign the documents and send them back to them for processing. The document will be amended if required, and then the final version will be sent to their offices to start with the payout process.

Once the documents are received, the transfer of your cash will be processed within 48 hours, to ensure that you receive the funds in your bank account as soon as possible.

Customer Reviews & Testimonials

September 2018

I am not so clued up in finances and their in’s and out’s which is why I prefer a professional to handle everything for me. When I needed to make some changes to my insurance policy I sought help...

Thabo B
— Carletonville —

July 2018

Policy Trader is one of the first of their kind and offers a totally unique service. Making the correct decision for your finances can be daunting – at least that is how it felt for me - which is...

Susan M
— Randfontein —

June 2018

When you find yourself in a tough financial position you often do not have the time to hesitate nor the time to wait for money to land into your account. This is why I will highly recommend Polic...

Betty M
— Roodepoort —

Policy Trader Contact

Contact Number



Physical Address

  • Unit 223, The Quays, Park Lane, Grand Central, Century City Cape Town Western Cape 7441 South Africa
  • Get Directions

Postal Address

  • PO Box 744, Edgemead, 7407, South Africa

Opening Hours

  • not available