Needs before products
Advice starts with your actual priorities, existing cover, and current gaps before product combinations are discussed.
Who We Are
About Vylo Holdings
Vylo Holdings (Pty) Ltd provides Discovery-aligned advisory support across health, life, investment, retirement, short-term insurance, and banking decisions.
Our Position
Integrated planning, not isolated recommendations
We act as a juristic representative of Discovery Life Limited and focus on helping clients understand how separate products work together in practice.
That means structuring advice around the full picture: health cover, risk protection, long-term savings, rewards, servicing, and the tradeoffs between them. The goal is not more complexity. The goal is a cleaner, better coordinated financial setup.
We also place a strong emphasis on clarity and review discipline, so recommendations remain relevant as your income, family obligations, business exposure, or retirement timeline changes.
01
Discovery ecosystem guidance
02
Long-term review support
03
Risk and wealth coordination
04
Clear client communication
Important Disclosure: Vylo Holdings (Pty) Ltd is a juristic representative of Discovery Life Limited. Discovery Life Limited, Registration number 1966/003901/06, is a registered long-term insurer, and an authorised financial services and registered credit provider, NCR Reg No. NCRCP3555. Product rules, terms and conditions apply.
How We Work
Three principles behind the advisory process
Structure before scale
We aim to get the core structure right first, then refine premium, contribution, and reward optimisation from there.
Review before drift
Policy and planning reviews matter because unmanaged drift is one of the fastest ways for a portfolio to become inefficient.
Focus Areas
Where clients usually need the most support
Health and Protection
Medical aid, life, disability and income risk
Helping clients structure essential protection first and understand where Discovery benefits create meaningful value.
Wealth and Retirement
Long-term savings with better alignment
Advisory around contributions, investment positioning, retirement funding, and estate-related liquidity planning.
Servicing and Review
Ongoing support after implementation
Policy reviews, changes in circumstances, and practical servicing support remain part of the relationship over time.
Next Step
Ready to review your current Discovery setup?
Book a consultation and we'll work through your current structure, identify the main gaps, and help prioritise the right changes.