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Our Services and Products

LIFE INSURANCE Life insurance or life assurance is a contract between the policy owner and the insurer, where the insurer agrees to pay a designated beneficiary a sum of money upon the occurrence of the insured individual's or individuals' death or other event, such as terminal illness. It is an effective way to protect you and your family against debt (personal loans, bonds, etc).		DREAD DISEASE / CRITICAL ILLNESS Life is meant to be lived to the full, every moment is a gift and we want you to enjoy it without worrying about the future. Unfortunately we cannot always keep the doctor at bay and our bodies cannot always fight everything that comes our way. You may know of someone or a family member who has fallen ill to cancer, stroke, heart disease or any other serious illness. Let us help you provide for the costs associated with recovering and recuperating from a critical illness or trauma-related event.
DISABILITY COVER What if you were disabled in an accident or due to an illness? Will your dependents have sufficient funds to meet their daily and future needs? Will you become a financial burden to your family or relatives? What if your career was suddenly interrupted by long-term injury or illness? How will you continue to accumulate sufficient capital to provide for retirement? With various disability and impairment benefits, you get a cash pay-out that enables you to settle your debts immediately and make lifestyle adjustments to ease the effect of your disability.		LOSS OF INCOME PROTECTION Be prepared for the unexpected – plan for any difficult times that may come your way. Loss of income is not a luxury it’s a necessity. You would not drive a car off the showroom floor or buy a house without first insuring it? Why take the risk on your income, it is your most important asset.
RETIREMENT PLANNING Retirement is a golden time in a person’s life. A time to relax and reflect on a life well lived. We can help you make sufficient provision for this time and give you the freedom to enjoy your grandchildren, a trip around the world or just to smell the flowers. A retirement annuity is an investment structure that any individual can establish. It provides what amounts to a personal pension fund. It could qualify you for tax relief as well.		EDUCATION PLANNING A good education for a child is an important consideration for parents. You want to be able to provide a secure future for your children. Through education planning, you can save for your children’s education with a structured investment plan and have peace of mind knowing that in the event of you being unable to work or continue saving, your children’s education is safe. Through quality investments and a selection of portfolios, we can help you establish a brighter future for your children.
INVESTMENTS Not only is it prudent to accumulate emergency funds, but a well-structured accumulation plan can have a profound impact on one's quality of life; buying a house or car, planning for special events such as marriages, grandchildren, overseas travel, etc. It often provides some tax advantages for various investors.		MEDICAL AID "Medical aid scheme" means a medical scheme of which the rules provide for the payment of the costs of the rendering of medical services to the members thereof and to the dependants of such members by medical practitioners of their own choice and at fees not exceeding the fees calculated in accordance with the tariff of fees. Medical expenses are increasing every year. Should you not have some protection in place?
GAP COVER Should you require more cover or higher limits for a particular aspect of your Medical Aid Scheme, A top-up option allows you to do this without having to take a higher benefit packages, thus saving you money and giving you the right amount of cover where you need it most.		CORPORATE FUNDS (PENSION / PROVIDENT / GROUP-LIFE) As a business owner, a decision maker within a business or a Trustee you have a duty to provide the right retirement and risk solutions to the employees that you are responsible for. Whether your motivation is moral, social, economic, or you are using employee benefits to attract and retain key staff, it’s a big responsibility that you take on. This is why it’s important to deal with a reputable company who can support you through this process. Partnership is often an over-played marketing term used by financial service companies but the reality is that you need to choose a provider that gives the right information and tools to make decisions that work for your unique business.
BUY AND SELL AGREEMENTS A buy and sell agreement will ensure a seamless transition of ownership and protect the financial future of the business, while the deceased’s family receives an agreed price for their business interest. This will ensure that the right people are still running in the business.		KEY PERSON ASSURANCE Key persons are at the helm of your business – they steer, create and drive your business enterprise. Can your business survive after losing such a valuable asset? The solution is insuring your business against the loss of a key person. This will give you cash on hand to recruit and train a replacement.
PERSONAL LIABILITY Debt and business seem to go hand in hand, but it can be very challenging if the business debt is linked to one or more persons in the business. Business owners today need to make necessary provisions for unforeseen events, and also death. Call us today to get your comprehensive cover and protect your business.		PREFERRED COMPENSATION If you want innovation from your employees reward them for new ideas. If you want employees to remain with your company instead of recruiting ones every few months, offer them and increased salary. If you want employees to work hard and be trustworthy with business challenges then recruit them, reward them and value them.