Life cover
Life cover protects the future of your spouse and children. We assess the adequacy of your existing life cover and make sure there is sufficient cover in place.
Life Insurance
The cover is not for you. It is for the people and the business that would have to carry on without you.
What this covers
Most people who hold life cover took it out years ago, for a salary they no longer earn and with beneficiaries who may no longer be the right ones.
We assess what would actually be needed if your income stopped, compare it with what you already hold, and show you the shortfall or the overspend in plain numbers.
Severe illness cover
Many people survive critical illnesses like cancer and heart disease, but the financial burden can be significant. Severe illness cover, also known as dread disease cover, provides for those costs and for the lifestyle changes that can follow.
Policies differ significantly in what they define as a claimable event, so we go through those definitions with you rather than around them.
Disability cover
If you are temporarily or permanently disabled, there is very likely to be a loss of income as well as additional costs for future lifestyle changes. Disability cover provides for that situation.
Income protection
A monthly income if illness or injury stops you from working, so the household keeps running while you recover.
Employee benefits
Group benefits for your employees, including pension or provident funds, group retirement annuities, group risk cover and group medical aid and gap cover.
We also help explain the benefit to the people receiving it, so that it is understood as part of what they are paid.
Questions we help you answer
Book a conversation- How much would my family actually need?
- Is my existing cover still right for my income?
- What happens to my income if I cannot work for two years?
- Do our staff understand the benefits they have?