Personal Insurance

As you begin your journey into adulthood, your unique individuality deserves a uniquely tailored portfolio of long-term insurance products to protect you against various risks that you are exposed to on a daily basis. Depending on your life stage, lifestyle and many other unique factors, our financial advisors will be able to recommend products that are suitable to your needs. The following products must be considered as part of a balanced life insurance portfolio:

Life cover – life cover is as basic and simple as the name of the product. You pay a premium and the insurer pays out a benefit when you die. This could be taken out to cover any capital needs for your family, debt repayment (such as mortgages) or other financial dependants you may have.

Disability cover (lump sum) – is an important product for any adult that earns an income and is either financially self-reliant, has financial dependants or has debts such as mortgages or car loans etc. This benefit will pay out a lump sum in the event of a disability as per policy wording, which monies could be used to provide for any of the needs mentioned above and more.

Dread disease cover (or critical illness cover) – In today’s world, it isn’t uncommon to hear of someone suffering from, or dying because of illness. And now, more than ever, even younger people are dying from illnesses that were more prominent in the elderly people. Dread disease cover can be taken out to provide you with a lump sum payment upon diagnosis of any illness that is covered as per the insurance policy document. This cover should not be confused with medical aid or used to replace medical aid as it is meant to provide extra funds and serves a different purpose to medical aid. Funds received from this benefit can be used to cover medical bills not met by medical aid, take care of capital debts, replace lost income and so forth.

Investments

The art of overseeing and optimizing various financial elements, from investment portfolios to estate planning. Given the complexity involved, entrusting your finances to our skilled Wealth Manager can streamline the process, ensuring your hard-earned money is managed effectively and efficiently.

Protection

Unlock peace of mind with Personal Short-Term Insurance, a tailored shield for your most valued possessions. From safeguarding your gadgets to securing your wheels, our comprehensive coverage ensures that unexpected mishaps won’t derail your daily life. We make it easy to protect what matters most. Don’t wait for uncertainty to strike, safeguard your tomorrow with confidence.

Medical Aid

With the public healthcare system in South Africa being so unreliable, we are now becoming more and more dependent on private healthcare and it is becoming extremely unaffordable. Medical aid is the best solution for people wanting to transfer the risk of unexpected private healthcare bills to insurers at a premium. Plans range from basic hospital plans to more comprehensive products to suit individuals and families with different lifestyle and health needs. Planning for medical aid should be carefully discussed with an advisor to select a suitable plan.

When it comes to medical aid, whether it is hospitalisation or out-of-hospital procedures, many plans will require clients to pay in a certain percentage (a co-payment) or sometimes the medical aid rates are lower than the doctors’ rates. This payment is almost like an excess on your car insurance. Gap cover is, therefore, important to help clients take care of the difference between medical aid rates and the doctors’ rates or the co-payments charged, which could be costly for certain procedures.

Liability

As a home owner or tenant, you may become liable for losses or accidents that occur to persons while they are on or in your property. It is, therefore, important to take out liability cover in case you become liable for loss of, or damage to property, or injury to persons on your property.