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Provider comparison · Updated May 2026
Momentum vs PPS
How Momentum and PPS compare on price, claims, products and rewards across the South African market.
PPS edges Momentum on customer rating.
| Feature | Momentum | PPS |
|---|---|---|
| Customer rating | ★ 4.5 | ★ 4.7 |
| Average premium | R710/pm | R295/pm |
| Claims turnaround | 72h | 48h |
| Pricing tier | Premium | Premium |
| Flagship product | Multiply Rewards | Sickness & Permanent Incapacity |
| Product range | Life, Investments, Short-term, Health | Life, Sickness, Disability, Investments |
Momentum
Long-term financial wellness
Momentum is a diversified financial services group offering life, investments, short-term insurance and Multiply rewards.
Strengths
- Strong life and investment offering
- Multiply rewards programme
- Holistic advice
Trade-offs
- Short-term insurance secondary focus
- Broker-led model
PPS
Mutual society for graduate professionals
PPS is a member-owned mutual financial services group serving graduate professionals in South Africa, sharing all profits with its members.
Strengths
- Profit-share to members
- Specialist sickness cover
- Strong professional community
Trade-offs
- Graduate professionals only
- Niche eligibility
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