Sascha Graham has spent years making smart financial decisions. As the Head of Legal at EasyEquities, she knows the importance of growing and protecting wealth. Investing has been part of her life since she was 21, starting with a retirement annuity. Over time, her focus shifted from just retirement savings to building long-term financial security for herself and her family.Today, she maximizes her RA contributions while also investing in ETFs through her TFSA and single stocks in her ZAR account.
Since becoming a mom, her financial priorities have sharpened. "Growing my wealth and maintaining my health have become fundamentals in my life since becoming a mom. I never want my son to have to look after me one day – our parents didn’t always prioritize this the way we do," she says. She also wants to ensure that her son has financial access to opportunities, like university education, without financial stress.
Life insurance has been part of Sascha’s plan since she bought her first apartment. "As we still have an existing home loan and car finance payments, it's very important to me that in the event that I pass, my partner has the funds to fully pay off our assets so him and our son would be able to carry on as financially securely as possible. I don’t want them to go through additional trauma of losing the house, for example. Life insurance should be about covering the gap between your assets and liabilities - not something you rely on to leave behind a fortune."
Over the years, she started questioning whether her life cover was really working for her. High premiums led her to explore better options, and EasyProtect stood out immediately. The biggest advantage? It’s built for investors. Unlike traditional life cover, which remains static while your financial position changes, EasyProtect adjusts with you. Every six months, you have the option to modify your cover based on your EasyEquities assets. If the premium reduces, the savings go straight into your EasyEquities wallet, where they can be reinvested to keep growing wealth.
Another major perk is the flexibility of premium structures. Unlike most insurers who increase premiums significantly as you age, EasyProtect offers two choices. Age-rated premiums start low and gradually increase over time, while level premiums remain the same for life. "If you opt for a level premium while you're in a lower-risk category, you avoid expensive premiums later in life when you need more cash available, like in retirement," she explains.
Sascha was also surprised at how easy the process was. "Super quick and easy," she says of getting her quote. Traditional insurers often require lengthy phone calls, medical checks, and piles of paperwork, but EasyProtect eliminates the usual red tape. And unlike most life insurance providers, EasyProtect actually rewards good investor behavior with discounted premiums. Being a woman also means that Sascha is conserved lower risk. Based on EasyEquities user data, women are getting quoted 38% lower premiums than men for the same amount of life cover.
Her tips for investors and moms? Don't make life insurance an inheritance plan. "It’s unsustainable from a cost perspective and relies on your passing, which is not what you (or your loved ones) want." Instead, she sees life cover as a temporary tool to bridge the gap between liabilities and assets while she works toward complete financial independence.
For Sascha, EasyProtect isn't just another life insurance product - it’s a smarter, more flexible way to secure her family’s future while staying in control of her financial growth.
EasyProtect Life is a life insurance product underwritten and administered by Sanlam Life Insurance Limited, a licensed life insurer, and is offered exclusively on the EasyEquities platform for distribution by EasyEquities. EasyEquities is an authorised FSP, registered credit provider and licensed ODP.