Cratos Life


Cratos Life is a juristic representative of Discovery Life, an authorised financial services provider, FSP 18147.

Cratos Life was established in April 2013, by Graeme Twidale. Cratos Life offers professional and individual solutions to its clients, guaranteeing future financial security. Our key focus areas are risk and investment planning and wealth management and preservation. Cratos Life is an independent distributor of Discovery Health, Life, Invest and Insure.

Over a lifetime you can ensure your financial freedom and independence if you invest when you are young. A solid investment solution starts with financial planning, knowledge, analysis and commitment to your dreams.


Cratos Life’s Service and Product offerings


Personal Assurance

Life cover, Disability, Dreaded disease, Income Protection, Education protection

Business Assurance

Buy and Sell Agreements, Contingent Liability, Key person Assurances

Pre and Post Retirement Planning

Retirement Annuities (Individual and Group), Pension and Provident Funds, Pension and Provident Preservation Funds, Linked and Fixed Annuities

Discretionary Investments

Unit Trusts/ Flexible Investments, Endowments, Segregated Share portfolios, Exchange Traded Funds (ETF’s)