LIFE INSURANCE

Life Cover

What is Life Cover? Life cover is a term used to describe life insurance or death cover which can provide a cash lump sum in the event of your death.

Dreaded Disease

Also referred to as critical illness cover, Dread Disease Cover is an insurance policy that will pay out a lump sum in the event that you are diagnosed with illness leaving you unable to work.Illnesses typically covered include cancer, kidney failure, organ transplant, a stroke, or heart attack. Benefits are usually paid to the policyholder in a lump sum but an income option is also available

Disability – Lump Sum

Disability cover ensures that you’ll continue to have an income, even if you’re no longer able to work due to illness or injury. It provides for expenses that occur because of the disability suffered, for example, alterations to your vehicle or home. It may also be used to settle outstanding debts in your name.

Income Protection

Income protection is a long-term insurance policy designed to supplement your income in circumstances where you are unable to work because you’re ill or injured. It will continue to do so until you retire, are able to return to work or upon death.

Gap cover

Gap cover is short-term insurance policy which provides shortfall cover where specialists charge above medical aid rates of cover in hospital.Gap cover works in conjunction with your medical aid. Will also cover co-payments on scopes and scans.

Medical Aid

Medical aid covers members’ healthcare costs such as hospitalisation, treatments and medicine. These costs are covered according to the rules of the medical scheme and the member’s medical aid plan type. The rules of the Counsil of Medical Schemes ensure that members are fairly cared for.

Business Assurance

Business Assurance cover is a range of risk benefits that helps protect your business if a traumatic event disrupts business as usual, such as an essential employee becoming critically ill, disabled, or passing away. Think of it as risk cover for your business to help keep your business afloat.

Investment Options

An Investment Plan is a financial product which allows you to invest in various asset classes in order for you to build your wealth or create an income from your investments.You can contribute a monthly, quarterly, or annual amount or make a single lump sum investment.

Retirement Planning

What is retirement planning? Retirement planning means preparing today for your future life so that you continue to meet all your goals and dreams independently. This includes setting your retirement goals, estimating the amount of money you will need, and investing to grow your retirement savings.

Corporate Benefits

We offer a range of risk protection options for employees as well as pension fund management on behalf of the company to provide employees with some retirement funds. We can also assist with group medical schemes.

Estate Planning

Planning your estate refers to crafting the documents and processes to be followed upon your death to ensure your loved ones are taken care of. We offer will drafting by our Advisors as well as an external consultant process.