PPS exists solely for the benefits of its members, and it is the only company that caters exclusively for graduate professionals. PPS is about the "Power of Mutuality" - that means policyholders can share in the success of PPS, through the unique Surplus Rebate Account. The Surplus Rebate Account is a unique, non-vesting policy benefit until retirement or death. PPS members who are policyholders can share in the profits of PPS through this SRA. Allocations to the SRA are based on the number of Units of Benefits held in the PPS Provider Policy. All of this sounding rather confusing? Don't worry, you can expect a call from a PPS Financial Advisor who is authorised by the Financial Services Board. The Financial Advisor will assist you with professional advice and will prepare a legally compliant quotation which will include terms and conditions. The advisor will also explain the benefits of PPS, including how you can personally benefit from the Surplus Rebate Account. In addition, the Advisor that contacts you will be able to explain the various premium payment options to you, and will also be able to introduce you to other benefits offered by PPS, such as Disability Cover, the Sickness and Permanent Incapacity Benefit, Critical Illness benefit as well as our Short Term Insurance and Medical Aid products should you wish. All of these may be added to your application.

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