UNIGRO Farmer Lending is operational in Zambia and provides finance to farming operations in Zambia.

Why use our services?

  • Financing structure offers competitive interest rates and securities
  • Revolving Credit can be utilised in the same way as an overdraft facility for general farming expenses
  • The structure is flexible – if excess funds are paid into a term loan, the balance would be available to withdraw at any time
  • Competitive offering – should a client choose to settle a hire purchase agreement earlier than the original term, this would be allowed at no penalty interest
  • Pre-approvals are concluded before the season starts
  • No non-utilisation fees are charged
  • Competitive credit application turnaround times
  • eAccounts platform with online transaction capability

Our product range and high levels of service and execution excellence will assure:

  • Flexibility to accommodate your specific requirements
  • Competitiveness in terms of costs through our one-stop strategy
  • Continuous effort to satisfy your needs through the provision of tailor-made solutions
  • Enhancement of your business through our extensive range of value adding product and service offerings
  • A dedicated team of specialists in their various fields that subscribe to the values of integrity, passion, accountability, respect, team work, innovation and service excellence as a way of doing business

Agriculture is dependent on many variables including climatic changes, changes in demand for products or changes in supply of products, and these changes normally require the stakeholder to change in order to survive. Understanding the relationship between the seasonality of agricultural cycles and credit is vital and we have this knowledge.

UNIGRO prides itself on being the leading provider of tailor-made agricultural finance to the commercial farmer countrywide. As an agricultural player UNIGRO understands farming and the financial requirements of the farmer.

UNIGRO offers the farmer a competitive and economical finance structure, with services that are easy to understand, transparently administered and accurate. This offering has been  expanded to include convenient access to funding through online e-account services.  The e-account service provides online, realtime transactional capability and access to relevant account information.

UNIGRO clients benefit from the knowledge, innovation and commitment of a financial market leader that is specifically focused on the welfare of its clients.

UNIGRO is governed by the Financial Services Board (“FSB”) and acts in accordance with the National Credit Act (“NCA”).

We offer:

  • Mortgage Bond finance for the purchasing of land
  • Flexible security options
  • Product specific seasonal facilities for the purchase of productions inputs
  • Term loans for new infrastructure
  • Financing for the purchase of new and second-hand agricultural equipment
  • Revolving credit
  • Seasonal facilities for production inputs
  • Online Services

Leave your agricultural insurance in our hands

Short term insurance

UNIGRO Insurance Brokers management and employees have vast knowledge and experience in all aspects of short term insurance and life insurance. Our relationships with all major insurers, along with our ability and experience in being able to view and understand risks, provide us with a competitive edge over our competitors.

Products and services include:

  • Commercial, industrial, corporate and agricultural
  • Crop insurance
  • Short-term insurance
  • Personal lines
  • Game and Wildlife insurance
  • Medical cover
  • Life cover
  • Risk financing advice and solutions
  • Niche products such as Crop, Credit Life and Broad form Liability
  • Wealth management
  • Administrative/policy management and in house claims handling

Commercial, industrial, corporate and agricultural

With years of experience, we are able to assist clients in identifying potential risks and tailor make solutions, to mitigate those risks. We pride ourselves in providing quality service to not only small commercial and industrial clients but also larger commercial and corporate clients especially those involved in the agricultural sector. Our ability to issue policy documentation on site, enhances our service offering to our clients, a function endorsed by a number of major insurers.

Examples of cover being:

  • Assets All Risks
  • Liability
  • Business Interruption/Loss of Profits
  • Motor
  • Fidelity Guarantee/Commercial Crime
  • Financial/Performance Guarantees

Personal lines

Alternatively known as Domestic Insurance, UNIGRO Insurance Brokers have developed expertise over many years both on service and product knowledge relating to clients’ personal portfolios.

This has translated into offering our clients a competitive product at an equally competitive premium based on their loss history and lifestyle. Indemnity with regards to our motor product is on Retail Value and not Market Value in the event of a total loss, a basis of settlement often used by other service providers. Other benefits include a nil excess structure offered to retired people.

Crop insurance

Rising interest rates, food prices, input and production costs and a decrease in the producer’s securities, makes Crop Insurance a necessity.

This product caters for not only your established farmer but also your emerging farmer who requires credit products that can be secured with crop insurance policies.

We are able to provide insurance underwritten by prudent insurers, covering hail, extended hail, wind, transit, fire, frost and multiperil. Our specialised team are available to discuss your needs with you.

Medical aid solutions

Being the preferred broker to AFGRI, UNIGRO Insurance Brokers now handles the Discovery and Thebe Med Medical schemes for and on behalf of AFGRI Group Holdings. This approach has opened the door to all clients in providing expert Medical Aid advice with a selection of service providers.

UNISERV Equipment Service Plan

The UNISERV product is a service plan for your John Deere equipment and comes standard on all 6-series tractors and up, combine harvesters and self-propelled sprayers and runs for three years, or 2,000 hours. The benefits of the plan include:

  • Service of equipment not dependant on cash flow
  • Service plan can be capitalised on purchase
  • Regular services will enhance the second hand value of the equipment
  • Trained JD technicians can now service your equipment
  • Increases the uptime of the equipment
Uniserv

Life and Credit Life Insurance

Credit life insurance is a decreasing term policy taken out by the consumer to cover the risks of a specific debt. The benefit reduces on a yearly basis as your debt reduces and is valid for the whole loan contract period. The benefit of this type of cover is that unlike most life policies, you are not required to provide evidence of good health.

However the application for this type of cover requires that you disclose any medical conditions that you are suffering from or that you may have suffered from previously.

This cover protects your dependents from having to pay for your debt. Credit Life Insurance not only pays in the event of your death, but may cover you in the event of you becoming disabled (occupation based) leaving you medically unfit for work, in order for you to earn an income and service the debt.

UNIGRO Insurance brokers furthermore have the expertise to assist you or your business with Medical Aid Solutions, Personal Financial Planning, Risk Planning, Estate Planning, Game and Wildlife Insurance and Wealth Creation requirements.  These services are summarised below.  We would welcome a personal consultation to discuss these services and your requirements further.

Personal Financial Planning

Your retirement plan and ongoing financial plans are vital. We assist you with advice on financial protection, concepts and goals.  We then match product and investment structures to suit your individual needs.

Risk planning

Risk planning is essential for all, especially those with dependents and debt obligations. We can assist in analyzing your current risk position and creating tailored Life insurance, disability insurance and dread disease insurance options that mitigate these risks and provide financial peace of mind.

Estate planning

This aspect is often neglected and through our network of consultants we can ensure that you have a regularly reviewed and updated estate plan.

Wealth creation

Retirement can be costly and most often your current retirement policy will not be sufficient, this can be supplemented via wealth creation through structured cost effective investments.

Game and Wildlife Insurance

UNIGRO Insurance Brokers has expertise in ensuring that you are covered with regard to capture cover, 30-days veld or boma cover, auction cover, post release stress, limited all risk cover and transit cover.

Game Insurance

Game breeding has become big business in South Africa with animals ranging from tens of thousands to millions of Rands per animal. We offer comprehensive cover for your breeding animals ranging from accident, diseases, forces of nature, malicious damage or poaching, capture, auction and past release cover.

Farm & Game Lodge Insurance

Essential insurance for every farmer and every farm. Cover against fire, flood, malicious damage, third party damage, liability, vehicles and equipment.

Hunters’ Insurance

Insure your rifle, bow, shotgun, handgun, scope from as little as R50 per month and get free Liability insurance worth R10 million. We also provide personal accident and medical evacuation cover for those dangerous game hunts. You can even insure against wounded animals (kwesbok) penalties.

Association Insurance

Group solutions where buying in bulk makes a significant difference to cover and price. This cover is only available as a member of a hunting organisation, where the organisation takes out this cover for its members. Exclusive to UNIGRO, we can provide R50 million public liability cover in the event you are held liable for damage including R1 million legal defence costs as well as motor, personal accident or medical evacuation group cover.

The benefits of using our services

  • Consolidating all your insurance requirements
  • Expert advice based on your needs
  • A dedicated administration team
  • Assistance with regards to compliance with legislation
  • Industry updates on a regular basis

We pride ourselves in

  • The best advice based on your needs
  • Putting our clients first
  • An excellent administration team is always available to help and advice where needed
  • Efficient processing

Get in touch with UNIGRO Financial Services

Tel:         + 27 11 063 2347

FSP No.1435  |  Member of FIA

Address:  12 Byls Bridge Boulevard, Highveld Ext 73, Centurion

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