Life Insurance

Insurance is a contract between a policy holder and an insurance company, where the insurer contractually commits to pay a sum of money in exchange for a premium, upon the death, severe illness or disablement of an insured person.

Insurance for debt requirements

Long term insurance requirements

Business Requirements

Disability Insurance

An insurance plan that pays some of a person's income or capital when the insured is disabled or encountered an injury and cannot perform their occupational duty. You have an option for lump sum payout or replacement of income paying monthly on temporary disablement or permanent disablement The two main types of disability insurance are short-term disability and long-term disability.

Capital Disability pays out a lump sum

Permanent Income pays out monthly until policy settlement date

Temporary income pays in the event where you are not able to perform your occupational for a specified term. Waiting periods apply.

Critical illness Insurance

Critical illness insurance provides additional coverage for medical emergencies like heart attacks, strokes, or cancer. Because these emergencies or illnesses often incur greater-than-average medical costs, these policies pay out cash to help cover those overruns when traditional health insurance may fall short.

Business Insurance

Life Cover is a type of business insurance that will provide you with peace of mind, in the event that you, or a key person or business partner in your business is diagnosed with a terminal illness, becomes disabled or unexpectedly dies. The lump sum cash payment can ensure your business continues to operate should the worst happen. Contingent Liability insurance covering company debt obligations. Key Man insurance covers the replacement cost of a key person in the business. A Buy-and-Sell Policy will ensure that the shares are purchased successfully by another shareholder or an outside business partner. It is important that a contract is structured between all parties.