Why is it so important to have Life Cover?

·      When the client is no longer there to provide an income and financial security for his family

·      The proceeds can be used for any outstanding bonds, repay debt , estate duty and any other costs

What is Final Expenses benefit?

This benefit pays out a lump sum in the event of death of the Life covered, payment will be paid in 48 hours if all requirements are met.

Why will I take this benefit?

·      Can be used as a dignified funeral plan

·      If the clients estate is inaccessible there will be cash ready

·      Repayment of any credit card and short-term debts

What is Lump sum earning ability cover?

This cover will provide a lump sum for initial adjustments in lifestyle when clients become disabled and can no longer work, this cover can also be managed by the client to replace lost future income.

Why will I need Comprehensive lumps sum cover?

·      When clients become impaired and disabled and can no longer work, this cover will provide a lump sum that will pay for initial adjustments, it could also be managed by the client to replace lost future income

·      This cover will comprehensively protect clients against occupational and functional disability

What is term income cover?

·      This cover your lost in income

·      True income protection – covering full, partial, permanent and temporary income loss.

What is temporary income cover?(Occupational disability temporary income benefit)

·      If clients are self-employed they will need 100% of their income to be protected with as short a waiting period as possible.

·      If clients are fully, partially, temporarily or permanently disabled, they want cover that will replace their income for a short period of time to fill the gap not covered by their long-term disability cover.

·      Employed clients will need top-up cover, which will result in up to 100% of their income being protected for a period of time

Why will I need Business Overheads Replacer Cover?

If a owner or key employee of a company can not work, that company could suffer financial loss as business overhead expenses still accrue. As a result, clients want to be in a position where the business overheads are covered.

Who will be needing 3-in-1 Accidental Cover?

·      Clients who are medically uninsurable

·      It will provides protection against disability, physical impairment or death resulting from accidents, crime and violence.

·      It can be used as top-up cover for extra protection

·      Provides protection for clients who are at high risk of accidents – e.g. where a lot of travelling is required.

Why will I have to take out Illness Cover?

·      To provide peace of mind that any medical shortfalls can be covered

·      Provide cover for both clients and their children

·      Provide extensive cover against most illnesses.

·      Provide cover for the cost of making adjustments to a client’s lifestyle, as a result of surviving a severe illness, such as:

·      Employing a nurse, housekeeper, or modifications to a house or car,

What is Physical Impairment Cover?

·      To provide cover for the cost of making any adjustments to a client’s lifestyle as a result of surviving an impairments, the cost include, physiotherapy, purchasing and ongoing maintenance of prosthetics.

·      Finance modifications to a house or car.

·      Peace of mind that medical shortfalls can be covered.

Why will I need Retrenchment benefit?

·      Provide money to pay for any monthly expenses while looking for a job.

·      Ensure peace of mind – the risk of retrenchment is significant, there is no longer job security guarantees.

·      To ensure an income and financial security when the client is temporarily unable to earn an income because of retrenchment.

Why premium protection?

·      To ensure that cover remains in place when client’s will needs their risk benefits.

·      Provide certainty of risk protection, for the client’s family and business, in future if the premium payer dies of becomes ill.

What is future cover?

·      This cover insure the client’s future insurability for all types of cover.

·      To remove any uncertainty of future insurability

·      Use the client’s health status now to buy the option to apply for cover when it is needed most in the future.

Why will I need Business Contingency Cover?

·      To allow the client’s business partners to continue running the business without added capital strain on the disability or death of the insured.

·      If a person standing surety for business debit dies or becomes disabled there is a risk to the business, finances are then required to repay debt of any outstanding cost.

What is Key Person Cover?

This is financial certainty that the business can continue of a key person becomes disabled , functionally impaired or dies.