Life Insurance

Although death is a 100% certain risk every living being on this planet faces, exactly when death will occur, is an unknown. It is this unknown that creates the risk. If we knew when we would die, we could perhaps ensure that we had no debts at that point in time and we could perhaps have saved enough money to ensure that our dependents would not face financial hardship.

But, the fact of the matter is that we don’t know and creating a debt-free-with-enough-savings situation on time, a Mission Improbable.

This is where Life Insurance comes into the picture. If you hold a Life Insurance policy, your nominated beneficiary or beneficiaries will receive a predetermined sum of money from your Life Insurer upon your death. This money will help to eliminate or mitigate the financial risks (such as outstanding debt, inadequate funds to cover living expenses etc.) they will be faced with after you die.

Dreaded Disease and Disability Cover

Disability and disease knows no age or profession. These unfortunate circumstances can overtake our lives in an instant. Medical aids cover the cost of treatment but do not cover the cost of your lifestyle modification which is inevitable when an unforeseen circumstance presents itself.

Dread Disease cover indemnifies the insured for potentially life threatening illnesses such as cancer, heart attack, kidney failure etc. Disability cover on the other hand, indemnifies the insured (from 2.5% upto 100%) for the loss or partial loss of any bodily motor function.

Retirement Planning

When it comes to retirement, the overwhelming truth is that many South Africans cannot retire at the age they wish to or sometimes even at all. Surveys have shown that nine out of 10 South Africans who belong to a retirement fund will not have enough to retire on. The average person taking out a retirement policy is not aware of its true value. Our financial advisors can assist in making sound decisions taking in to consideration the tax and long term benefits of retirement and pension fund policies.

Our financial advisors can advise on effective tax and investments solutions to ensure a comfortable retirement.

Contact details

   Contact Details:

    Tel: 0861 000 031
    Fax: 011 486 1824